2011 Jeep Grand Cherokee Car Insurance Rates

Want the cheapest car insurance rates? Drivers have a choice when trying to find the lowest priced Jeep Grand Cherokee insurance. They can either waste time struggling with agents to get rate comparisons or use the internet to find the lowest rates.

There is a better way to buy car insurance and you need to know the best way to price shop coverage for your Jeep and find the best price possible from local insurance agents and online providers.

It is always a good idea to compare premium rates as often as possible because car insurance rates change quite often. Just because you found the lowest premium rates for Grand Cherokee insurance six months ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the tricks you need to know to save on car insurance.

Are you qualifying for every discount?

Car insurance is not inexpensive, but you might already qualify for some discounts to reduce the price significantly. Many of these discounts will be applied automatically at the time of quoting, but some may not be applied and must be requested specifically before you will receive the discount. If you do not check that you are getting every discount possible, you may be paying too high a price.

  • Low Miles Discount – Driving less can qualify you for discounted car insurancerates on garaged vehicles.
  • Senior Citizens – Seniors can possibly qualify for a small discount on rates for Grand Cherokee insurance.
  • Government Employees – Active or former government employment could qualify for a slight premium decrease for Grand Cherokee insurance with some car insurance companies.
  • Professional Memberships – Being in certain professional organizations could earn you a nice discount on your policy.
  • Seat Belts Save – Drivers who require all occupants to fasten their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Discounts for Safe Drivers – Drivers without accidents can save as much as half off their rates for Grand Cherokee insurance compared to rates paid by drivers with frequent claims.
  • Accident Free – Drivers with accident-free driving histories have much lower rates as compared to insureds who have frequent claims or accidents.

It’s important to note that most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like you can get free auto insurance, that’s just not realistic. But all discounts will lower the premium cost.

A few companies who may offer most of the discounts above are:

If you need lower rates, check with each company or agent which discounts you may be entitled to. Some of the earlier mentioned discounts might not be available to policyholders in your area. To locate companies with significant discounts, click here to view.

Ways to get insurance coverage price quotes

Many insurance companies such as State Farm and Allstate make it easy to get insurance quotes directly from their websites. Getting online rates is fairly straightforward because it’s just a matter of typing in your personal and coverage information as detailed in the form. After the form is submitted, their quoting system obtains your driving and credit reports and generates pricing information determined by many factors.

Online price estimates makes it a lot easier to compare rates but the time required to go to many different websites and fill out multiple forms can get tiresome after awhile. But it’s necessary to compare as many rates as possible in order to find the lowest possible prices on insurance coverage.

An easier way to locate the lowest prices requires only one form to get prices from more than one company. It saves time, helps eliminate reptitive entry, and makes price shopping online much simpler. Once the form is submitted, it is rated and you can choose any or none of the quotes returned.

If you find a better price you can click and sign and buy the new coverage. The entire process just takes a couple of minutes and you’ll know if lower rates are available.

If you want to fill out one form to compare multiple rates now, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you complete the form with the insurance coverages just like they are on your policy. This way, you are getting a price comparison for exact coverage.

Jeep Grand Cherokee insurance cost factors

A large part of saving on insurance is knowing a few of the rating criteria that come into play when calculating insurance rates. When you know what positively or negatively impacts premium levels, this allows you to make good choices that can help you get cheaper rates. Lots of factors are part of the equation when pricing auto insurance. Most are fairly basic such as your driving history, but other criteria are more obscure like your vehicle usage or your financial responsibility.

  • Low comp and collision deductibles cost more – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Jeep. Some instances where coverage would apply would be collision with another vehicle, damage from fire, and damage from a fallen tree branch. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket before your insurance pays a claim. The larger the amount you pay before a claim is paid (deductible), the lower your rates will be for Grand Cherokee insurance.
  • Keep the miles off and save – The more miles you rack up on your Jeep each year the more it will cost to insure it. Many insurance companies calculate prices based upon how you use the vehicle. Autos used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your Grand Cherokee is just wasting money. It’s a smart idea to ensure your insurance declarations sheet states the correct usage, because improper ratings can cost you money.
  • Eliminate unneeded extra coverages – Insurance policies have a lot of extra bells and whistles you can purchase if you don’t pay attention. Insurance for rental car coverage, high-cost glass coverage, and additional equipment coverage are some examples. They may seem like a good idea when talking to your agent, but if you have no use for them think about removing them and cutting costs.
  • Which gender costs less? – Over the last 30 years, statistics show that females tend to be a little less risky than males. The data does not necessarily mean that females are better at driving than males. Men and women cause accidents in similar percentages, but men tend to have more serious accidents. Men also statistically receive more major tickets such as DWI and reckless driving.

When in doubt talk to an agent

When choosing adequate coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining if your situation will benefit from professional help.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if I crash into my own garage door?
  • What is the ISO rating for a 2011 Jeep Grand Cherokee?
  • Is a blown tire covered by insurance?
  • Is my teenager covered with friends in the car?
  • Am I missing any policy discounts?
  • When should I drop full coverage on my 2011 Jeep Grand Cherokee?
  • What if I total my 2011 Jeep Grand Cherokee and owe more than it’s worth?
  • Can my teen drive my company car?
  • What is UM/UIM insurance?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.

Insurance advertising tricks

Consumers constantly see and hear ads that claim the lowest rates by companies like State Farm and Allstate. All the companies say the same thing that you can save if you move your car insurance coverage to their company.

How does every company give you a lower rate? It’s all in the numbers.

Insurance providers have an ideal profile for the type of driver that will generate a profit. One example of a desirable insured may need to be a married male, has no tickets, and drives newer vehicles. Any new insured who matches those parameters will get a cheap rate quote and will save a lot of money.

Insureds who fall outside these standards will have to pay higher premiums with the end result being the customer buying from someone else. If you listen closely, the ads state “drivers that switch” not “everyone that quotes” save that much when switching. That’s why insurance companies can advertise the way they do.

Each company has different criteria, so drivers should do a quote comparison often. It’s just not possible to know which car insurance company will give you the biggest savings.

Specific coverage details

Knowing the specifics of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like doctor visits, X-ray expenses, funeral costs and pain medications. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision protection

Collision insurance covers damage to your Grand Cherokee from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, rolling your car, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, a tree branch falling on your vehicle, damage from flooding and theft. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage

Liability coverage will cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like bail bonds, legal defense fees, funeral expenses, repair costs for stationary objects and attorney fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

A tidy conclusion

Consumers leave their current company for a variety of reasons including delays in paying claims, high rates after DUI convictions, being labeled a high risk driver or delays in responding to claim requests. No matter why you want to switch, finding a new company can be easier than you think.

When searching for cheap auto insurance quotes, make sure you don’t skimp on coverage in order to save money. In many instances, an insured dropped liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at the lowest possible cost while not skimping on critical coverages.

In this article, we covered a lot of tips how to shop for 2011 Jeep Grand Cherokee insurance online. The most important thing to understand is the more you quote auto insurance, the higher your chance of finding low cost auto insurance. Drivers may discover the lowest priced insurance comes from some of the lesser-known companies.

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