2009 Jeep Grand Cherokee Car Insurance Quotes

Trying to find better auto insurance rates for your Jeep Grand Cherokee? Searching for better insurance prices for a new or used Jeep Grand Cherokee can turn out to be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to buy auto insurance so we’re going to tell you the best way to get price quotes for a Jeep and locate the lowest possible price either online or from local insurance agents.

Buying car insurance is not that difficult. If you have a current auto insurance policy or are looking for a new policy, you can use this information to reduce the price you pay while maximizing coverage. Vehicle owners just need to understand the tricks to find the lowest price on the web.

Informed drivers can slash their insurance costs

Consumers need to have an understanding of the different types of things that go into determining your policy premiums. If you understand what controls the rates you pay, this allows you to make good choices that could help you find much lower annual insurance costs. Many different elements are part of the calculation when quoting car insurance. Most are fairly basic like a motor vehicle report, although others are less obvious such as your credit history and annual miles driven.

Shown below are some of the major factors that factor into rates.

• Add-on coverages that aren’t used – Insurance companies have many add-on coverages that can add up if you don’t pay attention. Things like personal injury protection, high-cost glass coverage, and membership fees are examples of these. They may seem like a good idea when talking to your agent, but your needs may have changed so remove them from your policy.
• Save by staying claim free – If you file a lot of claims you shouldn’t be surprised to get either higher rates or even cancellation. Insurance companies generally give cheaper rates to insureds who are claim-free. Insurance coverage is designed for claims that you cannot pay yourself.
• Rate your vehicle for proper use – The more you drive your Jeep in a year’s time the more you’ll pay to insure it. A lot of insurance companies rate vehicles partially by how you use the vehicle. Autos left parked in the garage receive better premium rates as compared to vehicles used primarily for driving to work. Double check that your vehicle rating shows annual mileage. A policy that improperly rates your Grand Cherokee can cost quite a bit.
• Never go without insurance – Having a gap between insurance policy dates will be a sure-fire way to increase your insurance rates. In addition to paying higher premiums, the inability to provide proof of insurance could result in a steep fine or even 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.

Take advantage of with these discounts

Some providers don’t always advertise every discount they offer very clearly, so the following is a list of a few of the more common and the more hidden credits available to you. If you don’t get every credit available, it’s possible you qualify for a lower rate.

• Anti-lock Brake System – Anti-lock brake equipped vehicles can stop better under adverse conditions so companies give up to a 10% discount.
• Discounts for Federal Employees – Employees or retirees of the government may reduce rates when you quote insurance on Grand Cherokee insurance with select insurance companies.
• Claim-Free Discount – Drivers with accident-free driving histories can save substantially when compared with insureds who have frequent claims or accidents.
• Own a Home – Just owning your own home can get you a discount since home ownership requires a higher level of personal finance.
• More Vehicles More Savings – Buying a policy with multiple vehicles with one company can reduce rates for all insured vehicles.
• Discounts for Good Drivers – Drivers without accidents may receive a discount up to 45% on Grand Cherokee insurance compared to accident prone drivers.
• No Charge for an Accident – Not a discount per se, but some insurance companies will allow you to have one accident before they charge you more for coverage as long as you don’t have any claims for a set time period.
• College Student – Older children who are attending college and do not take a car to college may be able to be covered for less.
• Multiple Policy Discount – If you insure your home and vehicles with the same company you may earn over 10 percent off each policy depending on the company.
• Discount for Good Grades – This discount may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.

Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, it’s just not the way it works. But all discounts will cut your policy cost.

A few companies that may offer quotes with most of the discounts above are:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

Check with each company or agent which discounts you may be entitled to. A few discounts may not apply to policies in your area. To find providers offering auto insurance discounts, follow this link.

Is there deception in advertising?

Drivers get pounded daily by advertisements that promise big savings by companies like Allstate, Geico and Progressive. All the ads tend to make the same promise about how much you will save if you get a free insurance quote and switch your insurance coverage policy to them.

How do they all make the same claim? This is the way they can do it.

Most companies have specific guidelines for the type of driver that earns them a profit. For instance, a profitable risk profile might be described as over the age of 35, is a homeowner, and has a high credit rating. Any customer who meets those qualifications is entitled to the best price and will probably save a lot if they switch.

Consumers who do not match these standards will see higher rates which leads to the customer buying from a different company. The wording the ads use say “people that switch” not “everyone that quotes” can get the lowest rates when switching. That’s why companies can truthfully advertise the savings. Because each company has a different risk profile, you really should compare quotes as often as possible. It’s not possible to predict which insurance coverage company will have the best premium rates at this point in time.

Your situation helps dictate your coverage

When it comes to choosing the best auto insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if you will benefit from professional help.

• Will my vehicle be repaired with OEM or aftermarket parts?
• Am I covered when driving in Canada or Mexico?
• Should I put collision coverage on all my vehicles?
• How high should my uninsured/underinsured coverage be in my state?
• What is the difference between comprehensive and collision coverage?
• When can my company non-renew my policy?
• Do I pay less if my vehicle is kept in my garage?
• Is my teen driver covered when they drive my company car?
• Why do I need rental car insurance?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Auto insurance policy coverages for a Jeep Grand Cherokee

Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like nursing services, doctor visits, X-ray expenses, prosthetic devices and ambulance fees. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from flooding, hitting a deer, vandalism and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time 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.

Liability coverage – Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, repair bills for other people’s vehicles, funeral expenses and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision – This will pay to fix damage to your Grand Cherokee resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like damaging your car on a curb, crashing into a ditch, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Jeep Grand Cherokee.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Cheaper insurance is a realistic goal

We just showed you a lot of tips how to compare 2009 Jeep Grand Cherokee insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of getting the cheapest insurance. You may be surprised to find that the lowest prices come from a small local company.

Some insurance companies don’t offer internet price quotes smaller companies prefer to sell through independent insurance agencies. Lower-priced insurance can be sourced both online in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis.

Insureds change insurance companies for many reasons like unfair underwriting practices, policy cancellation, questionable increases in premium and poor customer service. It doesn’t matter why you want to switch switching companies is pretty simple and you could end up saving a buck or two.

More information is available below:

• Credit and Insurance Scores (Insurance Information Insitute)
• Who Has Cheap Car Insurance Rates for a Jeep Grand Cherokee in Newark? (NewarkInsure.com)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)