How Much Does 2001 Jeep Grand Cherokee Insurance Cost?

Sick and tired of not being able to afford to pay high insurance coverage rates every month? Your situation is no different than millions of other consumers. Multiple auto insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurance company and get the best coverage at the cheapest price

You should make it a habit to shop coverage around before your next renewal due to the fact that insurance rates tend to go up over time. Despite the fact that you may have had the lowest premium rates for Grand Cherokee coverage a couple years back the chances are good that you can find a lower price today. Forget all the misinformation about insurance coverage because we’re going to show you the best way to find better rates and still maintain coverage.

If you have a current auto insurance policy or need new coverage, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Choosing the best insurance company for you is quite easy. Consumers just need to learn the proper methods to get comparison rates online.

Discounts for affordable car insurance rates

Some insurance providers don’t necessarily list all disounts very clearly, so the list below gives a summary of some of the best known and the harder-to-find discounts that you can inquire about if you buy auto insurance online.

• Switch and Save Discount – Some companies give discounts for buying a new policy prior to your current policy expiration. The savings is around 10%.
• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices help deter theft and can earn a small discount on your policy.
• ABS Brakes – Cars and trucks with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
• Club Memberships – Affiliation with a qualifying organization can get you a small discount on your next renewal.
• Pay Upfront and Save – If you can afford to pay the entire bill rather than paying monthly you may reduce your total bill.
• Military Rewards – Being deployed in the military could trigger a small discount.
• Low Mileage Discounts – Low mileage vehicles may allow you to get substantially lower prices.
• Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.

A quick disclaimer, many deductions do not apply the the whole policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because you may think you could get a free car insurance policy, you won’t be that lucky.

Larger car insurance companies and some of their more popular discounts can be found below.

• American Family may have discounts that include TimeAway discount, Steer into Savings, good student, defensive driver, and mySafetyValet.
• Nationwide policyholders can earn discounts including anti-theft, business or organization, good student, defensive driving, and accident-free.
• MetLife offers discounts including multi-policy, defensive driver, good student, claim-free, good driver, and accident-free.
• 21st Century may offer discounts for anti-lock brakes, air bags, defensive driver, student driver, and driver training.
• Farmers Insurance offers premium reductions for good student, multi-car, homeowner, bundle discounts, alternative fuel, and mature driver.
• Allstate has discounts for 55 and retired, good student, premier discount, eSmart discount, good payer, utility vehicle, and anti-theft.

Before you buy a policy, ask all companies you are considering which discounts you qualify for. Depending on the company, some discounts may not be offered in your area. If you would like to see a list of companies with significant discounts, click this link.

You may need specialized insurance coverage

When it comes to buying coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can help discover if you might need an agent’s assistance.

• Am I covered if I drive in a foreign country?
• What is no-fault insurance?
• Can I make deliveries for my home business?
• Am I covered by my spouse’s policy after a separation?
• Does medical payments coverage apply to all occupants?
• Are rental cars covered under my policy?
• I don’t drive much so do I pay less?
• Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Detailed coverages of your car insurance policy

Having a good grasp of your car insurance policy helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages available from car insurance companies.

Liability car insurance

Liability insurance provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as medical expenses, legal defense fees, repair costs for stationary objects, loss of income and medical services. How much coverage you buy is up to you, but buy higher limits if possible.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, sideswiping another vehicle, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers

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

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as fire damage, hitting a deer, hitting a bird, a broken windshield and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as prosthetic devices, ambulance fees, X-ray expenses and surgery. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Saving money makes a lot of cents

Some insurance providers do not provide internet price quotes and these small, regional companies only sell through local independent agencies. Cheap 2001 Jeep Grand Cherokee insurance can be bought from both online companies in addition to many insurance agents, so you should compare both to have the best rate selection.

When searching for low cost auto insurance quotes, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, someone dropped comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at the best cost, not the least amount of coverage.

To learn more, take a look at these articles:

• Red Light Cameras (State Farm)
• Choosing a Car for Your Teen (State Farm)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Airbag FAQ (iihs.org)
• Young Drivers: The High Risk Years Video (iihs.org)