Searching for cheaper insurance coverage rates for your Jeep Grand Cherokee? I doubt anyone enjoys paying for insurance coverage, especially when they are aware that they could find lower prices if they just compared rates.
Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a insurance company to find the absolute cheapest price
You need to quote other rates quite often since prices change quite often. Despite the fact that you may have had the best quotes on Grand Cherokee insurance on your last policy other companies may now be cheaper. Ignore everything you know about insurance coverage because you’re about to learn the only way to reduce your cost while improving coverage.
If you have car insurance now, you should be able to save some money using these tips. Finding the best rates is not rocket science. Nevertheless, vehicle owners must understand how insurance companies price insurance differently because it can help you find the best coverage.
Some companies do not list the entire discount list very clearly, so the list below gives a summary of some of the best known as well as some of the hidden credits available to bring down your rates.
A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts will definitely lower your policy premium.
A few popular companies and their possible discounts include:
If you are trying to find the cheapest insurance quotes, ask every insurance company which credits you are entitled to. A few discounts might not be available to policyholders in your state.
There are a lot of ways to compare insurance coverage quotes, and some are less labor-intensive and much quicker. You could waste time talking to local insurance agents in your area, or you could use the web to get prices fast.
Most of the best insurance companies belong to a marketplace that enables customers to complete one form, and each company then gives them pricing based on the submitted data. This prevents consumers from doing quote requests for every insurance coverage company.
To access this free quoting program, click here to open in new window.
The only drawback to using this type of form is you don’t know exactly which companies you want pricing from. So if you want to choose from a list of companies to receive pricing from, we have a listing of insurance coverage companies in your area. Click here for list of insurance companies.
Whichever method you choose, be certain you are entering identical deductibles and coverage limits with each company. If you use different data it will be nearly impossible to truly determine the lowest rate. Slightly different insurance coverages may result in large price differences. And when comparing insurance coverage rates, know that comparing a wide range of rates helps you find a better price.
When choosing the best auto insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that can help discover whether your personal situation may require specific advice.
If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.
Respected companies like Progressive, Geico, Allstate and State Farm continually stream television, radio, and online ads. They all have a common claim that people will save just by moving your policy. How does each company sell you cheaper insurance coverage? This is the trick they use.
Most companies offer their best rates for the type of driver that will most likely be profitable. One example of this type of risk profile may be a married male, has a low-risk occupation, and has a short commute. Anyone that matches those criteria receives the best rates and most likely will cut their rates if they switch.
Insureds who are not a match for those standards will see a higher premium and ends up with the driver buying from a lower-cost company. If you pay attention, the ads say “drivers that switch” not “everyone who quotes” save that much money. This is how companies can make claims that they all have the best car insurance rates.
Each company has different criteria, so you absolutely need to quote coverage with many companies. Because without a comparison, you cannot know which insurance company will have the best rates at this point in time.
Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.
Insurance for medical payments
Coverage for medical payments and/or PIP pay for expenses like X-ray expenses, dental work and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Collision coverage protection
Collision insurance will pay to fix damage to your Grand Cherokee resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as driving through your garage door, crashing into a ditch, crashing into a building, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
Auto liability insurance
Liability insurance will cover injuries or damage you cause to other’s property or people. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.
Liability coverage pays for claims such as structural damage, loss of income, medical expenses and bail bonds. How much coverage you buy is a personal decision, but buy as much as you can afford.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as theft, a broken windshield and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.
Cheaper insurance is definitely available online and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not offer the ability to get a quote online and most of the time these regional insurance providers provide coverage only through independent insurance agents.
When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, someone dropped liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.
For more information, link through to the following helpful articles:
Dean Bolton
If you don’t have tickets and are close to Detroit, MI, check out Allstate. You might get cheaper rates. Left Liberty Mutual to switch. It’s only liability tho.
Maria Mccall
I drive uninsured.
Elmer Boyd
Does GEICO offer multi-policy discounts?
Claudie Prince
Cheaper car insurance is a myth. I’m in the suburbs of Detroit, MI. Got quotes from AIG Insurance, Sentry, and some smaller one I can’t remember the name of for my Jeep and am saving around $90 a year. Hardly afford to drive anymore.
Lynn Hodges
Good site, thanks. From a town just southwest of Saint Paul, MN. Don’t remember every company but I ended up saving about $20 each month. Was with MetLife.
Charlene Weiss
Anyone buy from American Family? I’m in Kansas City, KS.
Nicola Gutierrez
IT’S ALL TOO EXPENSIVE! I’m in the suburbs of Providence, RI. I quoted with State Farm, GMAC, and Eastwood for my Grand Cherokee and saved just over $80 a year. Insured with Mercury before. I used their online quote form to compare rates.
Hermila Bryant
Checking in from Kansas City, KS. I quoted with State Farm, Esurance, and Hartford for my Jeep and am saving around $70 a year. Was with USAA. BTW speeding tickets are not good.
Leanora Walter
What is comprehensive coverage?
Troy Ellis
In Spokane, Washington, Allstate is a good choice. A clean driving record helps. I recommend comparing lots of rates.
Leonard Rosales
If you’re a decent driver and live in the vicinity of Indianapolis, IN, check out 21st Century. I saved quite a bit. They have a lot of discounts available. God forbid I actually have a claim.
Dawn Bush
I live on the south side of Worcester, MA. Quoted a bunch of companies. Saved about $30 a month. GEICO was the most affordable for me.
Kia Colon
I got decent rates for a 1998 Jeep Grand Cherokee in Miami, FL. Ended up at right around $120 every six months with AIG Insurance. I don’t put full coverage on it.
Dale Wolfe
I found pretty cheap rate quotes for a 1998 Jeep Grand Cherokee in Charlotte, NC. Ended up at about $110 every six months with AIG Insurance. I have a teen driver too. Are quotes cheaper online? Just liability coverage since it’s getting old.
Esperanza Myers
Found cheapest coverage with Progressive for my Grand Cherokee and saved around $120 a year. Switched homeowners coverage too. I quoted rates online then called them.
Alfonzo Parker
I live on the east side of Minneapolis, MN. Checked online prices for a 1998 Jeep Grand Cherokee. Ended up at about $90 savings annually. Went with GEICO. :P Not worth enough to pay for comprehensive and collision.
Jame Brock
What is comprehensive coverage?
Sammie Sellers
Got pretty cheap 1998 Jeep Grand Cherokee insurance from GEICO in Rochester, New York.