2001 Jeep Grand Cherokee Car Insurance Cost – 5 Tips to Save

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 2, 2021

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Looking for better auto insurance rates for your Jeep Grand Cherokee? Paying for high-priced Jeep Grand Cherokee insurance can drain your checking account and make it impossible to make ends meet. Shopping your coverage around is a great way to cut your insurance bill.

Multiple insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurance companies and uncover the absolute lowest rate

It’s important to compare prices yearly since insurance rates are adjusted regularly by insurance companies. Just because you found the lowest rates on Grand Cherokee insurance a few years ago you may be paying too much now. You’ll find quite a bit of inaccurate information about auto insurance online, so I’m going to show you some guaranteed methods to reduce your auto insurance bill.

Vehicle Insurance Comparison

The are a couple different ways of comparing price quotes from local auto insurance companies. The simplest method to find competitive 2001 Jeep Grand Cherokee insurance rates consists of shopping online. This is very easy and can be done in a couple of different ways.

  1. The easiest and least time consuming way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This type of form keeps you from doing a different quote for each company you want a rate for. A single, simple form gets rate comparisons from many national carriers.
  2. A more difficult way to compare rate quotes requires you to visit the website of each company to request a price quote. For instance, we’ll pretend you want to compare Auto-Owners, Safeco and Progressive.

However you get your quotes, double check that you are using identical information on every quote you get. If each company quotes different deductibles then you won’t be able to make a fair comparison for your Jeep Grand Cherokee. Having just a slight variation in coverages may result in large price differences. Keep in mind that quoting more will enable you to find the best rates.

Take advantage of discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help bring down the price. Most are applied when you purchase, but a few need to be asked about prior to receiving the credit.

  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Claim Free – Drivers who don’t have accidents pay less when compared with bad drivers.
  • Payment Method – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Senior Discount – Mature drivers can possibly qualify for a discount up to 10% on Grand Cherokee insurance.
  • Military Discounts – Being deployed with a military unit could mean lower rates.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck. But all discounts will help reduce the cost of coverage.

Companies that possibly offer these money-saving discounts may include but are not limited to:

  • GEICO
  • MetLife
  • Progressive
  • Travelers
  • SAFECO
  • AAA

Double check with every prospective company which discounts you may be entitled to. Discounts might not be offered in every state.

How to know if you need help

When choosing adequate coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can aid in determining if your situation would benefit from an agent’s advice.

  • What companies insure drivers after a DUI or DWI?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How much underlying liability do I need for an umbrella policy?
  • Is my cargo covered for damage or theft?
  • Which is better, split liability limits or combined limits?
  • How do I file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Auto insurance coverage considerations

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages available from auto insurance companies.

Liability

This can cover damages or injuries you inflict on a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as loss of income, bail bonds, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses for prosthetic devices, X-ray expenses, chiropractic care, pain medications and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Jeep Grand Cherokee.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for collisions

This coverage pays for damage to your Grand Cherokee from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, backing into a parked car, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, damage from getting keyed and fire damage. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

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