2002 Jeep Grand Cherokee Car Insurance Rates

Getting affordable insurance on the web can be intimidating for drivers new to comparing and buying insurance on the internet. With so many insurance agents and insurers to choose from, how are drivers expected to effectively compare every one to find the lowest rates?

If you currently have car insurance, you stand a good chance to be able to save some money using these tips. Buying more affordable insurance is not that difficult. Nevertheless, drivers must understand the way insurance companies market on the web.

How to buy insurance online

To get affordable insurance coverage quotes, there a variety of ways to compare rate quotes from insurance companies in your area. By far the easiest way to comparison shop is simply to get online rate quotes. It’s really quite simple and can be done in just a few minutes using one of these methods.

1. Hands down the most simple method to find the lowest comparison rates is a comparison rater form click here to open form in new window. This style of form saves time by eliminating repetitive form entry to each individual insurance company. Completing one form gets prices estimates from multiple low-cost companies. It’s the fastest way to compare.
2. Another way to find better pricing requires a trip to the website of each company and go through the quote process again. For example, let’s assume you want to view quotes from Nationwide, State Farm and Travelers. You would be required to go to each individual site and enter your information, which is why most consumers use the first method. To view a list of companies in your area, click here.

Whichever way you choose to compare rates, make sure you compare the exact same deductibles and coverage limits with each company. If you use different values for each quote it will be very difficult to truly determine the lowest rate. Just slight variations in insurance coverages can result in a big premium difference. And when price shopping your coverage, comparing a wide range of rates will increase your chances of finding the best rates.

Auto insurance policy discounts

Some providers don’t always publicize the entire discount list very well, so below is a list a few of the more common and also the lesser-known credits that may apply to you. If you check and find you aren’t receiving every discount you qualify for, you’re paying more than you need to.

• Safety Course Discount – Passing a safe driver course could earn you a small percentage discount if you qualify.
• Memberships – Being in a civic or occupational organization could earn you a nice discount when shopping for auto insurance.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles help deter theft and therefore earn up to a 10% discount.
• Payment Discounts – By paying your entire bill at once instead of paying each month you could save 5% or more.
• Early Signing – Some companies provide a discount for switching companies prior to your current policy expiration. The savings is around 10%.
• Student Discounts – This discount may save you up to 25%. The good student discount can last up until you turn 25.
• Multiple Vehicles – Drivers who insure all your vehicles with one company can reduce the rates for all insured vehicles.
• Discounts for New Vehicles – Insuring a vehicle that is new can save you some money due to better safety requirements for newer vehicles.

A quick disclaimer, most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. Even though it appears it’s possible to get free car insurance, it just doesn’t work that way.

A list of companies and a summarized list of policyholder discounts are shown below.

• American Family offers discounts including accident-free, good student, air bags, early bird, mySafetyValet, TimeAway discount, and multi-vehicle.
• Nationwide may offer discounts for accident-free, good student, easy pay, multi-policy, and Farm Bureau membership.
• MetLife policyholders can earn discounts including multi-policy, accident-free, defensive driver, claim-free, and good student.
• 21st Century includes discounts for student driver, automatic seat belts, driver training, theft prevention, air bags, early bird, and 55 and older.
• Farmers Insurance offers discounts for good student, electronic funds transfer, teen driver, business and professional, and youthful driver.
• Allstate may include discounts for defensive driver, FullPay discount, premier plus, good payer, eSmart discount, and multi-policy.

Check with each insurance company how you can save money. Discounts might not be available to policyholders in your area. If you would like to choose from a list of insurance companies who offer discounts, click here to view.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions might point out whether your personal situation could use an agent’s help.

• Do I need motorclub coverage?
• Do I have coverage when pulling a U-Haul trailer?
• Will my insurance pay for OEM parts?
• Can my babysitter drive my car?
• If my 2002 Jeep Grand Cherokee is totaled, can I afford another vehicle?
• Does coverage extend to a rental car in a foreign country?
• Should I have combined single limit or split liability limits?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

How car insurance companies determine Jeep Grand Cherokee insurance premiums

The best way to find cheaper insurance is to take a look at some of the elements that play a part in calculating the price you pay for insurance. If you understand what controls the rates you pay, this enables informed choices that will entitle you to cheaper rates. Many things are part of the calculation when pricing auto insurance. Some are obvious like your driving record, but others are more obscure such as your marital status and annual miles driven.

• Prices are affected by your address – Having an address in small towns and rural areas is a good thing when it comes to insurance. Less people living in that area translates into fewer accident claims as well as less vandalism and auto theft. People in densly populated areas regularly have more traffic problems and more severe claims. More time commuting can result in more accidents.
• Always have insurance – Having a lapse in insurance coverage is a sure-fire way to increase your rates. In addition to paying higher premiums, the inability to provide proof of insurance could earn you a license revocation or jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
• Age of drivers – Mature drivers are more cautious drivers, tend to file fewer claims and tend to be get fewer driving tickets.Beginning drivers have a tendency to be careless and easily distracted when behind the wheel so insurance rates are higher.
• Avoid tickets and save – Drivers with clean records tend to pay less for car insurance as compared to those with violations. Having a single chargable violation may increase your cost by as much as thirty percent. People who have serious violations such as DUI or reckless driving may find they need to file a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.

Advertising myths

Auto insurance companies such as Allstate and Progressive seem to constantly run television and radio advertisements. They all say the same thing that drivers will save a bundle after switching to their company. How does each company claim to save you money? This is the trick they use.

Most companies give the best rates for the type of driver that is profitable for them. For example, a profitable customer might be over the age of 45, owns their home, and drives less than 10,000 miles a year. A customer who fits those characteristics will qualify for the lowest premium rates and will also save some money.

Potential insureds who do not meet these stringent criteria may receive higher premium rates which leads to the customer not buying. If you listen closely, the ads state “drivers that switch” not “everybody who quotes” save that much money. That’s the way insurance companies can state the savings.

That is why drivers should quote coverage with many companies. It is impossible to predict which auto insurance company will have the lowest rates.

Educate yourself about car insurance coverages

Knowing the specifics of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Jeep Grand Cherokee.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as hospital visits, ambulance fees, doctor visits, rehabilitation expenses and dental work. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, damage from getting keyed and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

This pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with a tree, rolling your car, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability

Liability coverage can cover damage or injury you incur to a person or their property. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as pain and suffering, medical expenses, attorney fees and structural damage. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

The best insurance company isn’t always the cheapest

As you quote insurance coverage, don’t be tempted to reduce needed coverages to save money. There have been many situations where someone sacrificed collision coverage only to discover later they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.

Discount 2002 Jeep Grand Cherokee insurance is definitely available online in addition to many insurance agents, so you need to shop insurance coverage with both to have the best rate selection. Some insurance providers don’t offer the ability to get a quote online and these small insurance companies only sell coverage through local independent agencies.

We just covered many ways to reduce 2002 Jeep Grand Cherokee insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest prices are with a small mutual company.

Additional detailed information is available in the articles below:

• How do I File a Claim? (Insurance Information Insitute)
• Who Has the Cheapest Auto Insurance for a Jeep Grand Cherokee in Orlando? (OrlandoInsure.com)
• Who Has the Cheapest Car Insurance Quotes for a Jeep Grand Cherokee in Omaha? (OmahaInsure.com)
• Side Impact Crash Tests (iihs.org)
• Prom Night Tips for Teen Drivers (State Farm)
• Should I Buy a New or Used Car? (Allstate)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Airbag FAQ (iihs.org)