Cheap 2000 Jeep Grand Cherokee Car Insurance Rates

Car owners who just recently started comparing insurance coverage prices on the internet are likely to find buying the cheapest insurance coverage can be quite difficult.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using this strategy. Shopping for the best insurance coverage coverage is easy if you know what you’re doing. But drivers can benefit from knowing how the larger insurance companies price insurance differently and apply this information to your search.

The most recommended method to compare policy rates is to take advantage of the fact most of the bigger providers provide online access to compare their rates. To start a quote, the only thing you need to do is give the companies some data like types of safety features, distance driven, how you use your vehicles, and if you lease or own. That rating information is instantly provided to many of the top insurers and you should receive rate quotes instantly to find the best rate.

To compare rates for your 2000 Jeep Grand Cherokee now, click here and enter the information requested.

Lower-cost auto insurance rates with discounts

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that you may not even be aware of. Many discounts should be triggered at quote time, but some discounts are required to be manually applied prior to receiving the credit.

• Anti-lock Brakes – Vehicles with ABS braking systems or traction control are much safer to drive so companies give up to a 10% discount.
• Discount for Home Ownership – Just owning your own home can save a few bucks because it requires a higher level of personal finance.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will save you 10% or more.
• Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for Grand Cherokee insurance but check with your company.
• 55 and Retired – Seniors could receive a small discount on rates for Grand Cherokee insurance.
• No Accidents – Insureds with no claims or accidents can earn big discounts when compared to insureds who have frequent claims or accidents.

A little disclaimer on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, nobody gets a free ride.

A partial list of companies that may offer quotes with these discounts may include but are not limited to:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

Before purchasing a policy, check with all the companies which discounts they offer. Some discounts might not be available to policyholders in your area. If you would like to view providers that can offer you the previously mentioned discounts, click this link.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions could help you determine whether your personal situation might need professional guidance.

• How much can I save by bundling my policies?
• Will my rates increase for filing one claim?
• When should I not file a claim?
• Should I buy additional glass protection?
• Do I need to file an SR-22 for a DUI in my state?
• Do I need special endorsements for business use of my vehicle?
• Is business equipment covered while in my vehicle?
• What is roadside assistance coverage?
• When can my company non-renew my policy?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Six things that determine your insurance premiums

An important part of buying insurance is that you know a few of the rating criteria that help calculate your policy premiums. If you have a feel for what influences your rates, this enables informed choices that will entitle you to cheaper rates.

The factors shown below are a partial list of the pieces used by companies to determine prices.

• Premiums can be impacted by your job – Do you have a high-stress occupation? Jobs such as real estate brokers, social workers and financial analysts are shown to have higher premium rates because of high stress and long work hours. Other jobs such as scientists, students and homemakers have lower than average premiums for Grand Cherokee insurance.
• Alarm systems save money – Choosing a vehicle with anti-theft technology or alarm system can earn a premium discount. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop car theft and help bring rates down.
• Choose high IIHS safety ratings and save – Safer cars tend to be cheaper to insure. Safe vehicles reduce injuries and lower rates of occupant injuries means less money paid by your insurance company and thus lower rates. If your Jeep Grand Cherokee earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
• Bump up physical damage deductibles to lower rates – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some coverage claims could be a dented fender, hail damage, and windstorm damage. Physical damage deductibles tell how much you are willing to pay out-of-pocket in the event of a claim. The higher the amount the insured has to pay upfront, the less your insurance coverage will be for Grand Cherokee insurance.
• Does insurance coverage cost more for men? – Statistics have proven that females take fewer risks when driving. However, don’t assume that females are better at driving than males. Females and males get in auto accidents in similar numbers, but males cause more damage. Men also statistically have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 cause the most accidents and therefore pay the highest rates.
• Small coverages can add up – There are a lot of extra add-on coverages that may not really be needed but may not be useful. Insurance for things like personal injury protection, accidental death, and extra equipment coverage are some examples. They may seem like a good idea at first, but if you have no use for them consider taking them off your policy.

But the ad said I’d save 15% in 15 minutes!

Well-known insurance companies like 21st Century, Allstate and State Farm regularly use ads in print and on television. They all seem to advertise the message that people will save if you change to their company. How is it plausible that every one can make the same claim? This is the trick they use.

All the different companies look for specific characteristics for the type of driver that will not have excessive claims. For instance, a preferred risk might be described as between 25 and 40, has never had a policy lapse, and has a high credit rating. Any driver who fits that profile will probably get cheap car insurance rates and is almost guaranteed to save money with a new company.

Drivers who may not quite match the requirements will be quoted more expensive rates and the customer not buying. The ad wording is “drivers that switch” but not “all drivers who get quotes” save that much when switching. This is how companies can make claims that they all have the best car insurance rates.

This illustrates why drivers must get a wide range of price quotes. It’s just not possible to know which insurance companies will be your best fit.

Auto insurance coverages

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Liability

This coverage will cover damage or injury you incur to a person or their property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as pain and suffering, structural damage and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are set the same as your liablity limits.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like hospital visits, nursing services, funeral costs, prosthetic devices and ambulance fees. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, damage from getting keyed, a broken windshield, theft and hail damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, colliding with a tree, sideswiping another vehicle, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Online plus local equals savings

Cheaper 2000 Jeep Grand Cherokee insurance is possible from both online companies and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some auto insurance companies may not offer the ability to get quotes online and many times these regional carriers sell through independent insurance agencies.

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where an insured dropped full coverage only to regret at claim time that the few dollars in savings costed them thousands. The goal is to find the BEST coverage at the best possible price while not skimping on critical coverages.

People leave their current company for any number of reasons including poor customer service, being labeled a high risk driver, delays in paying claims or even high rates after DUI convictions. It doesn’t matter what your reason, switching auto insurance companies is less work than it seems.

More tips and info about auto insurance is located by following these links:

• All About Airbag Safety (State Farm)
• Who Has Affordable Houston Auto Insurance for a Jeep Grand Cherokee? (HoustonCoverage.com)
• What Does No-Fault Insurance Cover? (Allstate)
• What is Gap Insurance? (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)
• Your Car has been Stolen: Now What? (Allstate)
• Tools for Teen Driving Safety (State Farm)