View 2001 Jeep Grand Cherokee Insurance Quotes

Searching for cheaper auto insurance rates for your Jeep Grand Cherokee? Car owners new to comparing car insurance prices on the internet might discover locating cheap car insurance is more work than they thought.

You should take the time to do price comparisons every six months because insurance rates tend to go up over time. Just because you had the best rate for Grand Cherokee insurance two years ago the chances are good that you can find a lower price today. There are a lot of ways to save on auto insurance online, but I’m going to show you some great ideas on how to put money back in your pocket.

Drivers can save with these rate-reducing discounts

Some companies do not list their entire list of discounts very well, so here is a list both the well known in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online. If you do not double check each discount available, you could be paying more than you need to.

  • Anti-lock Brake System – Vehicles that have anti-lock braking systems are safer to drive and the ABS can save up to 10%.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Discount for Low Mileage – Low mileage vehicles can earn better premium rates on cars that stay parked.
  • Student Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class in school.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper due to better safety requirements for new vehicles.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. Despite the appearance that adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Large auto insurance companies and some of their more popular discounts can be read below.

  • State Farm includes discounts for multiple policy, passive restraint, good driver, Steer Clear safe driver discount, student away at school, good student, and accident-free.
  • Geico offers discounts for seat belt use, multi-policy, defensive driver, multi-vehicle, and air bags.
  • Liberty Mutual may include discounts for multi-car, hybrid vehicle, new move discount, teen driver discount, preferred payment discount, and safety features.
  • The Hartford discounts include anti-theft, air bag, bundle, good student, and driver training.
  • MetLife has discounts for accident-free, defensive driver, good driver, multi-policy, claim-free, good student
  • Progressive has savings for good student, multi-policy, continuous coverage, online signing, multi-vehicle, online quote discount, and homeowner.

Before buying, ask each company how many discounts you can get. Some discounts listed above might not be available to policyholders in your area.

Smart consumers know how to buy car insurance for less

Many factors are taken into consideration when you get a price on insurance. A few of the factors are predictable like your driving record, but some are less obvious such as your marital status or how safe your car is.

The factors shown below are a few of the things car insurance companies consider when setting prices.

  • Your address can modify prices – Residing in less populated areas of the country is a good thing when buying car insurance. Fewer drivers on the road means less chance of accidents in addition to fewer liability claims. Drivers who live in large cities have to deal with congested traffic and more time behind the wheel. Higher commute times translates into higher accident risk.
  • Never have policy lapses – Driving your car without having proper coverage is illegal and as a result your rates will increase for letting your insurance lapse for non-payment. In addition to paying higher premiums, not being able to provide proof of insurance will get you fines and jail time.
  • The higher your credit score the lower your prices – Credit history can be an important factor in determining what you pay for car insurance. Therefore, if your credit can be improved, you could pay less to insure your 2001 Jeep Grand Cherokee by taking the time to improve your credit score. Consumers who have excellent credit scores tend to be more responsible as compared to drivers with lower credit ratings.
  • Raising comp and collision deductibles lowers premiums – Physical damage coverage, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Some examples of covered claims are a windshield shattered by a rock, damage from fire, and rolling your vehicle. The deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. The more expense you are required to pay out-of-pocket, the bigger discount you will receive for Grand Cherokee insurance.
  • Having a spouse can lower costs – Getting married can get you a discount on your car insurance policy. It usually means you are more responsible and it’s proven that drivers who are married are more cautious.
  • Responsible drivers pay less – Your driving record impacts premiums far more than you think. Good drivers receive lower rates as compared to those with violations. Only having one citation can boost insurance rates by twenty percent. Drivers who have severe citations like DUI or reckless driving may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive a vehicle.
  • Bundle policies and save money – Many car insurance companies allow discounts to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to get quotes from other companies to make sure you are getting the best deal. Consumers may find lower rates even if you insure with multiple companies
  • Cheaper premiums using alarm systems – Selecting a car model with anti-theft technology or alarm system can help bring down rates. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.

Do I need special coverages?

When it comes to choosing the best insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.

  • When do I need to add a new car to my policy?
  • Why do I only qualify for high-risk insurance?
  • How can I get high-risk coverage after a DUI?
  • Should I buy only the required minimum liability coverage?
  • Am I missing any policy discounts?
  • Can I afford low physical damage deductibles?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I have coverage for damage caused while driving under the influence?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Detailed coverages of your car insurance policy

Having a good grasp of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Auto liability insurance

Liability coverage will cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims like repair bills for other people’s vehicles, pain and suffering, loss of income and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Auto collision coverage

This coverage covers 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 can pay for claims such as driving through your garage door, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like X-ray expenses, doctor visits, EMT expenses, prosthetic devices and nursing services. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

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

Comprehensive coverage protects against things like damage from flooding, hail damage, a broken windshield, damage from getting keyed and vandalism. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Have the Midas touch

We just showed you some good ideas how to shop for 2001 Jeep Grand Cherokee insurance online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding the cheapest car insurance. Drivers may discover the lowest premium rates are with a small mutual company.

Insureds leave their current company for a number of reasons such as delays in responding to claim requests, questionable increases in premium, lack of trust in their agent or even being labeled a high risk driver. It doesn’t matter what your reason, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. There are many occasions where drivers have reduced full coverage only to regret at claim time that they should have had better coverage. Your aim should be to find the BEST coverage at the best cost and still be able to protect your assets.

To read more, feel free to browse these articles: