Lower Your 2011 Jeep Grand Cherokee Insurance Rates

Want lower auto insurance rates for your Jeep Grand Cherokee? Think you have an expensive auto insurance policy? You’re in good company because many drivers have buyer’s remorse. Due to the abundance of companies and agents to choose from, it’s nearly impossible to choose the most affordable insurance company.

It’s a good idea to compare premium rates before your policy renews due to the fact that insurance prices change quite often. Just because you found the lowest quotes on Grand Cherokee insurance last year there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because we’re going to demonstrate the tricks you need to know to find the best coverage while lowering your premiums.

The purpose of this post is to tell you the best way to quote coverages and some money-saving tips. If you currently have car insurance, you stand a good chance to be able to save some money using this information. Consumers only need to know how to get comparison quotes over the internet.

How to buy insurance coverage online

Reducing your 2011 Jeep Grand Cherokee insurance rates is a great way to save money. You just need to take a few minutes to compare free car insurance quotes to find out which insurance company has low cost car insurance quotes. This can be accomplished by following the guidelines below.

• If you are pressed for time, the simplest way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for separate forms for each price estimate. Filling out one form gets rate comparisons direct from many companies.
• A more difficult way to get quotes online requires visiting the website for each individual company and fill out their own quote form. For sake of this example, let’s say you want comparison quotes from Geico, Progressive and Allstate. You would have to spend time going to each site individually and repeatedly type in your coverage information, which can get old fast. For a list of companies in your area, click here.
• The most time-consuming way to get comparison rates is to drive around to each insurance agency near you. Shopping for insurance coverage online has made agencies unnecessary unless you want the professional advice that only a licensed agent can provide. It is possible to compare the best prices online and still use a local agent.

It’s your choice how you get your quotes, but make sure you use nearly identical coverage information on every quote. If you have different values for each quote it will be very difficult to determine which rate is truly the best.

Discounts for cheaper insurance coverage rates

Car insurance is not cheap, but you can get discounts to cut the cost considerably. Some of these disounts will be visible when you complete an application, but a few must be specifically requested before they will apply.

• Safety Restraint Discount – Buckling up and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
• Bundled Policy Discount – If you can bundle your auto and homeowners insurance with one company you will save nearly 15% which can help you find low cost car insurance.
• Discount for Good Grades – Getting good grades may save as much as 25% on a car insurance quote. You can use this discount normally up to age 25.
• Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
• Professional Memberships – Affiliation with qualifying employment or professional organizations may earn a discount when shopping for insurance coverage.

Remember that some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way.

Some companies that have most of these discounts possibly include:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

When quoting, ask every prospective company what discounts are available to you. Discounts might not be offered on policies in your area.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions might point out whether you could use an agent’s help.

• Am I covered when driving a rental car?
• Is my ex-spouse still covered by my policy?
• Can my teen driver be rated on a liability-only vehicle?
• Do I need rental car coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• Is business property covered if stolen from my car?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this 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.

Learn how to lower your insurance premiums

Multiple criteria are part of the calculation when you quote your car insurance policy. Some are pretty understandable such as your driving history, although others are less obvious such as your credit history or your vehicle rating.It’s important that you understand the different types of things that are used to determine the price you pay for insurance coverage. If you know what impacts premium levels, this helps enable you to make changes that may result in much lower annual insurance costs.

The list below includes some of the factors used by your company to calculate rates.

• Your spouse saves you money – Your spouse helps lower the price on insurance coverage. Having a spouse demonstrates that you tend to be more mature it has been statistically shown that drivers who are married file infrequent claims.
• Cut insurance coverage rates and deter theft – Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
• Annual miles is a factor – The more miles you rack up on your Jeep in a year’s time the more it will cost to insure it. The majority of insurers charge rates based upon how you use the vehicle. Cars and trucks that sit idle most of the time get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your insurance coverage policy shows the proper vehicle usage. Having the wrong rating on your Grand Cherokee may be costing you higher rates.
• If you don’t need it don’t buy it – Policies have add-on coverages that you can buy but may not be useful. Coverage for things like personal injury protection, death and dismemberment, and membership fees are some examples. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
• Consider raising coverage deductibles – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Jeep. Some instances where coverage would apply are a dented fender, damage from fire, and damage caused by flying debris. The deductibles you choose tell how much you are willing to pay out-of-pocket before a claim is paid by your company. The more of the claim the insured is willing to pay, the lower your rates will be on Grand Cherokee insurance.
• Older drivers pay less – More experienced drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.Youthful drivers have been known to be less responsible when driving so insurance coverage rates are higher.
• Continuous coverage lowers rates – Allowing your insurance coverage policy to lapse is a quick way to trigger a rate increase. Not only will you pay more, getting caught without coverage could result in fines or a revoked license.
• Stay claim-free and save money – If you are a frequent claim filer, don’t be surprised to see either a policy non-renewal or much higher rates. Insurance companies award discounts to policyholders who file claims infrequently. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Slick advertising tricks that work

Consumers can’t escape the ads that claim the cheapest prices by 21st Century, Allstate and State Farm. They all try to convey promises that you’ll save big if you just switch your insurance policy to them.

How is it plausible that every one can lower your prices?

Many companies have underwriting criteria for a prospective insured that will add to their bottom line. One example of a profitable risk profile might be a married male, carries full coverage, and has excellent credit. A customer getting a price quote that fits those parameters will qualify for the lowest rates and will probably cut their rates substantially.

Insureds who do not meet those standards will be charged higher prices and ends up with the customer buying from a different company. The trick companies use is to say “drivers who switch” not “everyone who quotes” can save as much as they claim. That is how companies can truthfully make the claims of big savings.

This emphasizes why drivers should get a wide range of price quotes. It is impossible to predict the company that will have the lowest rates.

Educate yourself about car insurance coverages

Having a good grasp of your policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types offered by car insurance companies.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like vandalism, hail damage, hitting a bird, a broken windshield and damage from a tornado or hurricane. The most your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Jeep Grand Cherokee.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance

This can cover damage that occurs to other’s property or people. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for claims like court costs, bail bonds and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for rehabilitation expenses, doctor visits and nursing services. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision protection

This will pay to fix damage to your Grand Cherokee caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like rolling your car, crashing into a ditch, hitting a mailbox and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Best coverage at the best price

We just showed you many tips how you can reduce 2011 Jeep Grand Cherokee insurance auto insurance rates online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the best auto insurance rates are with a small mutual company. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, Geico and Progressive.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed liability coverage limits and discovered at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Helpful learning opportunities

• Think You’re a Safe Driver? (State Farm)
• Determing Auto Insurance Rates (Geico)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)