2010 Jeep Grand Cherokee Insurance Rates

Trying to find the cheapest insurance rates for your Jeep Grand Cherokee? Do you get exhausted from scraping the payment together to pay high insurance rates every month? You are in the same boat as many other consumers.

Companies like Progressive, State Farm and Geico continually hit you with ad campaigns and it is challenging if not impossible to see past the geckos and flying pigs and take the time to shop coverage around.

You should make it a habit to quote other rates quite often because insurance rates are usually higher with each renewal. If you had the best rate for Grand Cherokee insurance a couple years back a different company probably has better prices today. Block out anything you think you know about insurance because it’s time to teach you the fastest and easiest way to lower your annual insurance bill.

The quickest method we recommend to compare car insurance rates is to know most insurance companies pay for the opportunity to give you rate quotes. The only thing you need to do is give the companies some data such as the year, make and model of vehicles, how much education you have, whether or not you need a SR-22, and driver ages. Those rating factors is then sent to multiple insurance providers and they respond with quotes with very little delay.

Use discounts to get cheaper insurance quotes

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that you may not even know about. Most are applied when you get a quote, but some need to be asked about before you will receive the discount. If you’re not getting every credit you deserve, you are throwing money away.

• Auto/Life Discount – Larger insurance companies have lower premium rates if you buy some life insurance in addition to your auto policy.
• Good Students Pay Less – This discount may save you up to 25%. You can use this discount normally until age 25.
• 55 and Retired – Older drivers can possibly qualify for lower premium rates for Grand Cherokee insurance.
• Bundle and Save – If you can combine your homeowners and auto policy with the same company you could save approximately 10% to 15%.
• Discounts for Cautious Drivers – Insureds without accidents may save up to 50% more for Grand Cherokee insurance than drivers with accidents.
• Military Discounts – Being deployed with a military unit could qualify you for better premium rates.
• Discounts for Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Grand Cherokee insurance but check with your company.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving could save 15% on medical payment and PIP coverage.
• Safety Course Discount – Taking a defensive driver course could possibly earn you a 5% discount and easily pay for the cost of the class.

We need to note that many deductions do not apply to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. Despite the appearance that you can get free auto insurance, insurance companies wouldn’t stay in business.

Large insurance companies and a selection of discounts are shown below.

• Progressive offers discounts including online quote discount, continuous coverage, online signing, homeowner, good student, and multi-policy.
• MetLife may have discounts that include multi-policy, good driver, defensive driver, accident-free, claim-free, good student
• Mercury Insurance offers discounts for location of vehicle, multi-policy, low natural disaster claims, good student, and professional/association.
• Nationwide offers premium reductions for multi-policy, easy pay, business or organization, accident-free, defensive driving, anti-theft, and Farm Bureau membership.
• Geico has savings for military active duty, emergency military deployment, anti-theft, air bags, and federal employee.
• AAA has discounts for education and occupation, pay-in-full, good student, multi-car, and good driver.

Check with each company the best way to save money. Some discounts listed above may not apply to policyholders in every state.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage, there is no “best” method to buy coverage. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

• Can I afford low physical damage deductibles?
• Is my 2010 Jeep Grand Cherokee covered for smoke damage?
• Is my cargo covered for damage or theft?
• Should I put collision coverage on all my vehicles?
• Should I file a claim if it’s only slightly more than my deductible?
• What should my uninsured motorist coverage limits be in my state?
• What is the minimum liability in my state?
• Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk 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.

Auto insurance 101

Learning about specific coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages available from insurance companies.

Uninsured and underinsured coverage – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as doctor visits, EMT expenses, surgery, prosthetic devices and hospital visits. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Comprehensive coverages – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, theft and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, driving through your garage door, damaging your car on a curb and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Auto liability insurance – This protects you from injuries or damage you cause to other people or property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like repair bills for other people’s vehicles, bail bonds, legal defense fees and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.