Compare 2007 Jeep Grand Cherokee Car Insurance Rates

Want the cheapest insurance coverage rates for your Jeep Grand Cherokee? Do you get exhausted from wondering where the money will come from to pay insurance coverage each month? You are no different than most other consumers.

Due to the large number of different company options, it is hard for the average consumer to locate a more affordable insurance coverage company.

Discounts to earn lower-cost insurance coverage rates

Auto insurance companies don’t necessarily list the complete list of policy discounts very clearly, so the list below contains a few of the more common and also the more inconspicuous credits available to you. If you check and find you aren’t receiving every discount you deserve, you could be paying more than you need to.

  • Discount for Life Insurance – Select insurance companies reward you with a lower price if you buy life insurance.
  • E-sign – A handful of insurance companies give back up to $50 for signing up on their website.
  • ABS Brakes – Cars and trucks that have anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
  • Organization Discounts – Joining a professional or civic organization is a good way to get lower rates on your bill.
  • Auto/Home Discount – If you can combine your homeowners and auto policy with one company you may save as much as 10 to 15 percent.
  • Drive Safe and Save – Insureds without accidents could pay up to 40% less on Grand Cherokee coverage as compared to drivers with claims.
  • Data Collection Discounts – Insureds that choose to allow driving data collection to monitor driving patterns by using a telematics device such as State Farm’s In-Drive might get better premium rates if they show good driving skills.

You should keep in mind that most discounts do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky.

Auto insurance companies that may offer quotes with these benefits are:

When comparing rates, check with each company or agent how many discounts you can get. Depending on the company, some discounts may not apply in your area. To view insurers who offer discounts, click here.

Compare auto insurance price quotes online

When comparison shopping, there are several ways of comparing price quotes from auto insurance companies in your area. The easiest way to find the lowest Jeep Grand Cherokee rates is to get quotes online. This can be accomplished in several different ways.

  1. The best way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This style of form prevents you from having to do repetitive form entry for each company. One simple form will get you rate comparisons instantly.
  2. A harder way to compare prices requires a trip to the website for every company you want to comare to request a price quote. For instance, let’s assume you need rates from Progressive, Farmers and Liberty Mutual. To get rate quotes you would need to take the time to go to each site to enter the same coverage data repeatedly, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The hardest way to shop rates is calling or driving to all the different insurance agencies. Buying insurance online can eliminate the need for a local agent unless you prefer the advice and guidance that only an agent can give. However, consumers can find lower rates online but have your policy serviced through an agent.

Take whichever approach you prefer, but do your best to enter exactly the same deductibles and coverage limits for each comparison quote. If you are comparing different liability limits then you won’t be able to decipher which rate is best. Quoting even small variations in coverage limits can make a big difference in price. And when comparing auto insurance rates, know that comparing a large number of companies will enable you to find a better price.

Five things that impact your insurance rates

One of the most helpful ways to save on insurance is to to have a grasp of the factors that help determine your insurance rates. If you know what determines base rates, this empowers consumers to make smart changes that could result in lower insurance prices.

Shown below are just a few of the factors used by your company to calculate your premiums.

  • Get married and get better rates – Having a spouse can actually save you money on your insurance policy. It demonstrates that you tend to be more stable financially and insurance companies reward insureds because married drivers get in fewer accidents.
  • Never let your insurance lapse – Driving with no insurance is a big no-no and you will pay a penalty because you let your coverage have a gap. Not only will you pay more, being ticketed for driving with no insurance may earn you a license revocation or jail time. You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Know your vehicle’s safety rating – Vehicles with high crash test scores cost less to insure. Highly rated vehicles reduce injuries and lower rates of occupant injuries means your insurance company pays less and thus lower rates.
  • Drivers with excellent credit save on insurance – A driver’s credit history is a big factor in determining premium rates. People that have high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit scores. So if your credit score is lower than you’d like, you could potentially save money when insuring your 2007 Jeep Grand Cherokee by improving your credit score.
  • Youthful driver insurance costs – Older people tend to be more responsible, are lower risk to insure and tend to be get fewer driving tickets.Teen drivers are statistically shown to be easily distracted when at the wheel of a vehicle so insurance rates are higher.

Tailor your insurance coverage to you

When choosing coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that might help in determining whether you would benefit from an agent’s advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • What is the ISO rating for a 2007 Jeep Grand Cherokee?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my car insurance cover rental cars?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can my teen drive my company car?
  • Do I need replacement cost coverage on my 2007 Jeep Grand Cherokee?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance coverage specifics

Knowing the specifics of car insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on the average car insurance policy.

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, vandalism and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage

This coverage will cover damage that occurs to a person or their property. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as pain and suffering, legal defense fees and court costs. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as pain medications, hospital visits, nursing services, X-ray expenses and surgery. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision protection

This coverage covers damage to your Grand Cherokee from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

UM/UIM Coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims 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 only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Have the Midas touch

We just showed you some good ideas how to compare 2007 Jeep Grand Cherokee insurance premium rates online. The key thing to remember is the more you quote car insurance, the better your comparison will be. You may even find the lowest premium rates are with some of the smallest insurance companies. They may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Cheap 2007 Jeep Grand Cherokee insurance is available online and from local insurance agents, so you need to shop car insurance with both to get a complete price analysis. Some insurance companies may not provide online price quotes and many times these smaller companies sell through independent agents.

More detailed car insurance information is available in these articles: