2006 Jeep Grand Cherokee Car Insurance Rates – 6 Ideas for Cheaper Quotes

I doubt anyone anticipates paying for auto insurance, in particular when it costs too dang much. Having so many different company options, it can be challenging to choose the best auto insurance provider.

Consumers need to do rate comparisons at least once a year since insurance rates are rarely the same from one policy term to another. Even if you think you had the best deal for Grand Cherokee coverage a couple years back the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because you’re about to learn the right way to eliminate unnecessary coverages and save money.

Buying car insurance is not rocket science. If you have a policy now or are just looking to switch companies, you can follow these tips to get lower rates while maximizing coverage. Drivers just need to learn the proper methods to compare prices over the internet.

Lower rate quotes by taking advantage of these six discounts

Car insurance is not cheap, but you may be missing some discounts to cut the cost considerably. Some trigger automatically at the time of quoting, but a few need to be specially asked for before you will receive the discount.

• Multi-car Discount – Drivers who insure several vehicles on one policy can reduce the rates for all insured vehicles.
• Federal Employees – Simply working for the federal government can earn a discount up to 10% for Grand Cherokee coverage but check with your company.
• Fewer Miles Equal More Savings – Low mileage vehicles may allow you to get better prices on cars that stay parked.
• Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more for Grand Cherokee coverage as compared to drivers with claims.
• Student in College – College-age children living away from home attending college and do not have a car may be insured at a cheaper rate.
• Defensive Driver Discounts – Successfully completing a class that teaches driver safety techniques is a good idea and can lower rates and make you a better driver.

While discounts sound great, it’s important to understand that most credits do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability and collision coverage. So even though you would think adding up those discounts means a free policy, you aren’t that lucky.

A list of insurance coverage companies and their possible discounts can be read below.

• American Family has savings for air bags, good student, accident-free, early bird, and mySafetyValet.
• State Farm offers discounts for good student, driver’s education, multiple autos, Drive Safe & Save, and accident-free.
• 21st Century has discounts for early bird, good student, air bags, homeowners, defensive driver, and theft prevention.
• Travelers discounts include multi-car, home ownership, payment discounts, student away at school, driver training, hybrid/electric vehicle, and good student.
• Geico includes discounts for defensive driver, membership and employees, driver training, federal employee, five-year accident-free, and daytime running lights.

Check with all companies you are considering how you can save money. All car insurance discounts may not apply to policies in your area. To see a list of insurance coverage companies with the best insurance coverage discounts, click here.

How to buy insurance coverage online

Effectively comparing insurance coverage prices can be exhausting if you don’t know the easiest way. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can utilize online quotes to maximize your effort.

Many insurance companies participate in a marketplace that enables customers to send in one quote, and each company can give them a price based on that data. This prevents consumers from doing quotation requests to every company.

To enter your information into the quoting system, click here to open in new window.

The only downside to getting quotes like this is buyers cannot specifically choose which companies to receive prices from. So if you want to select individual companies to compare rates, we have assembled a list of the cheapest insurance coverage companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using identical coverage information on every quote. If each company quotes mixed coverages it’s impossible to determine the best price for your Jeep Grand Cherokee.

How much car insurance do I need?

When buying the best car insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions might point out if you would benefit from an agent’s advice.

• How much can I save by bundling my policies?
• I don’t drive much so do I pay less?
• Should I buy more coverage than the required minimum liability coverage?
• Is my cargo covered for damage or theft?
• How high should my uninsured/underinsured coverage be in my state?
• Can I get a multi-policy discount?
• When should I drop full coverage on my 2006 Jeep Grand Cherokee?
• How do I insure my teen driver?
• Which is better, split liability limits or combined limits?
• Can I drive in Mexico and have coverage?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance 101

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverage types found on the average insurance policy.

Coverage for medical payments

Med pay and PIP coverage pay for bills such as pain medications, chiropractic care, EMT expenses, prosthetic devices and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision insurance

This coverage will pay to fix damage to your Grand Cherokee resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like driving through your garage door, damaging your car on a curb, hitting a parking meter and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2006 Jeep Grand Cherokee.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, damage from a tornado or hurricane and damage from getting keyed. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability

This provides protection from damages or injuries you inflict on a person or their property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for things like legal defense fees, repair costs for stationary objects and court costs. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Be a Smart Shopper

You just learned a lot of information how to shop for 2006 Jeep Grand Cherokee insurance online. The key concept to understand is the more you quote insurance, the better chance you’ll have of finding inexpensive insurance. You may be surprised to find that the best car insurance rates are with a lesser-known regional company. Regional companies may only write in your state and offer lower premium rates than the large multi-state companies such as State Farm and Allstate.

Cheap 2006 Jeep Grand Cherokee insurance is attainable on the web and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and most of the time these regional carriers work with independent insurance agencies.

Other learning opportunities

• Tread Depth and Tire Safety (State Farm)
• What is a Telematics Device? (Allstate)
• Auto Crash Statistics (Insurance Information Insitute)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)