2006 Jeep Grand Cherokee Insurance Rates – 6 Tricks for Best Quotes

Searching for the cheapest insurance coverage rates for your Jeep Grand Cherokee? Are you burned out from trying to scrape together enough money to pay high insurance coverage rates every month? Your situation is no different than many other consumers.

Many car insurance companies vie for your insurance dollar, so it can be very hard to choose a insurer to find the cheapest price

Consumers need to get comparison quotes as often as possible because insurance prices tend to go up over time. Just because you had the lowest price on Grand Cherokee coverage a few years ago you can probably find a better rate quote now. Block out anything you think you know about insurance coverage because I’m going to teach you the best way to reduce your cost while increasing coverage.

More discounts mean cheaper premiums

Insurance can be prohibitively expensive, but there could be significant discounts that can help lower your rates. Some discounts apply automatically at quote time, but less common discounts must be asked for before being credited. If you are not receiving all the discounts available, you’re paying more than you need to.

  • Senior Discount – Older drivers can possibly qualify for better auto insurance rates on Grand Cherokee coverage.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out some life insurance too.
  • Low Mileage – Driving fewer miles may enable drivers to earn lower premium rates due to less chance of an accident.
  • Passive Restraints – Options like air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower prices.
  • Drivers Education – Cut your cost by having your teen driver enroll and complete driver’s education in school or through a local driver safety program.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, company stockholders wouldn’t be very happy.

Popular auto insurance companies and their possible discounts can be found below.

  • Farm Bureau policyholders can earn discounts including good student, renewal discount, 55 and retired, youthful driver, multi-vehicle, and multi-policy.
  • MetLife includes discounts for accident-free, multi-policy, defensive driver, good student, good driver, and claim-free.
  • Progressive offers discounts including multi-vehicle, homeowner, online quote discount, good student, continuous coverage, online signing, and multi-policy.
  • AAA offers discounts for multi-policy, pay-in-full, education and occupation, AAA membership discount, anti-theft, and good student.
  • American Family has discounts for multi-vehicle, air bags, good driver, TimeAway discount, and defensive driver.
  • Geico has savings for multi-vehicle, membership and employees, five-year accident-free, anti-theft, military active duty, and anti-lock brakes.
  • State Farm may offer discounts for accident-free, Steer Clear safe driver discount, safe vehicle, student away at school, good student, Drive Safe & Save, and defensive driving training.

If you need low cost insurance quotes, ask every prospective company which discounts you qualify for. Some discounts listed above might not be offered in your area. To see insurers who offer discounts, click here to view.

It’s not one size fits all

When it comes to buying proper insurance coverage for your vehicles, there really is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. These are some specific questions can help discover if you might need an agent’s assistance.

  • Am I covered if I hit my neighbor’s mailbox?
  • How can I get my company to pay me more for my totalled car?
  • Do I have coverage when pulling a U-Haul trailer?
  • Where can I find DUI or SR-22 insurance?
  • Should I buy additional glass protection?
  • When would I need rental car insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

The coverage is in the details

Knowing the specifics of a auto insurance policy helps when choosing the best coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages available from auto insurance companies.

Liability car insurance

This coverage protects you from damage that occurs to other’s property or people 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 liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as emergency aid, medical expenses and bail bonds. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Grand Cherokee.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as EMT expenses, rehabilitation expenses, surgery, prosthetic devices and pain medications. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, hitting a deer, damage from getting keyed, damage from a tornado or hurricane and fire damage. The maximum payout you’ll receive from a claim 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.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, sideswiping another vehicle, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Feed the piggy bank

As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. In many instances, drivers have reduced collision coverage and learned later that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage for the lowest price.

Affordable 2006 Jeep Grand Cherokee insurance is available on the web as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. Some companies may not offer the ability to get quotes online and these regional carriers sell through local independent agencies.

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