2002 Jeep Grand Cherokee Car Insurance Quotes

Shoppers have options when shopping for low-cost Jeep Grand Cherokee insurance. They can either spend hours driving around getting price quotes or leverage the internet to find the lowest rates.

There are more efficient ways to buy car insurance and we’ll show you the absolute fastest way to price shop coverage for your Jeep and get the lowest price from both online companies and local agents.

Smart consumers take time to check car insurance prices every six months because insurance prices are rarely the same from one policy term to another. Just because you found the best rates for Grand Cherokee insurance six months ago other companies may now be cheaper. Forget all the misinformation about car insurance because we’re going to demonstrate the proper way to find better coverage at a better price.

This article will help educate you on the best way to quote coverages and some tricks to saving. If you currently have car insurance, you will most likely be able to save some money using this strategy. Vehicle owners just need to understand the most effective way to compare prices online.

Insurance quotes and discounts

Some companies don’t always advertise every discount very well, so the below list has both well-publicized as well as some of the hidden savings tricks you should be using when you buy insurance online.

  • Safety Course Discount – Taking part in a course teaching driver safety skills may get you a small discount and make you a better driver.
  • Resident Student – Youth drivers who live away from home to go to college and won’t have access to an insured vehicle may qualify for this discount.
  • Multiple Vehicles – Having all your vehicles on one policy can get a discount for every vehicle.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Grand Cherokee insurance compared to rates paid by drivers with frequent claims.
  • Claim-Free Discount – Insureds who avoid accidents and claims have much lower rates when compared with insureds who have frequent claims or accidents.
  • Driving Data Discount – Policyholders that allow companies to look at their driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot could see a rate decrease if they exhibit good driving behavior.
  • Membership in Organizations – Participating in qualifying clubs or civic groups could trigger savings on your next renewal.
  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and can earn a small discount on your policy.
  • Driver’s Education for Students – Have your child take driver’s ed class as it will make them better drivers and lower rates.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, you aren’t that lucky.

Companies and a partial list of their discounts are included below.

  • Farm Bureau offers premium reductions for multi-policy, good student, renewal discount, multi-vehicle, and youthful driver.
  • Liberty Mutual policyholders can earn discounts including teen driver discount, multi-car, new move discount, newly retired, good student, and hybrid vehicle.
  • State Farm offers discounts for multiple policy, accident-free, passive restraint, safe vehicle, Steer Clear safe driver discount, and anti-theft.
  • Auto-Owners Insurance has discounts for teen driver, paperless, multi-policy, group or association, company car, good student, and safe vehicle.
  • Geico discounts include driver training, anti-lock brakes, defensive driver, multi-vehicle, seat belt use, and federal employee.
  • SAFECO offers discounts including anti-lock brakes, homeowner, safe driver, accident prevention training, anti-theft, teen safety rewards, and teen safe driver.

Check with each insurance company the best way to save money. A few discounts might not apply in your area.

Compare car insurance rates

There are multiple methods to shop for car insurance, and some are less time-consuming than others. You could spend your day talking about coverages with insurance companies in your area, or you could use the web for quick rates.

Most of the best insurance companies take part in a program that enables customers to enter their coverage request one time, and at least one company then returns a price quote determined by their information. This saves time by eliminating quote requests to every company.

To compare rates using this form now click here to open in new window.

The single downside to pricing coverage this way is buyers cannot specifically choose which companies you will receive quotes from. If you wish to select specific providers to compare rates, we have a page of low cost car insurance companies in your area. Click here to view list.

Whichever way you use, be certain you are entering identical quote information for every company. If you are comparing different data it will be nearly impossible to truly determine the lowest rate.

Situations that may require an agent’s advice

When buying the best car insurance coverage, there really is not a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

  • How much liability insurance is required?
  • Do I pay less for low miles?
  • What is covered by UM/UIM coverage?
  • Is my Jeep Grand Cherokee covered if I use it for business?
  • Should I have combined single limit or split liability limits?
  • Is there coverage for injuries to my pets?
  • Should I get collision insurance on every vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Why am I required to buy liability insurance?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Car insurance coverage options for a Jeep Grand Cherokee

Understanding the coverages of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Liability coverage

Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like structural damage, repair costs for stationary objects, bail bonds and loss of income. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Collision coverage protection

Collision coverage will pay to fix damage to your Grand Cherokee resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Jeep Grand Cherokee.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

This coverage pays for 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 insurance covers claims such as fire damage, a broken windshield and hail damage. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for pain medications, surgery and ambulance fees. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Money doesn’t grow on trees

In this article, we presented some good ideas how you can reduce 2002 Jeep Grand Cherokee insurance auto insurance rates online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with a small mutual company.

Cost effective 2002 Jeep Grand Cherokee insurance can be sourced online as well as from independent agents, and you should be comparing both to have the best selection. There are still a few companies who may not provide online quoting and most of the time these smaller providers only sell through local independent agents.

When getting insurance quotes online, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, an insured cut liability limits or collision coverage only to regret at claim time that it was a big mistake. Your aim should be to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

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