Cheaper 2011 Jeep Grand Cherokee Insurance Rates

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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 3, 2021

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Looking for the cheapest car insurance rates for your Jeep Grand Cherokee? Are you tired of not being able to afford to buy car insurance? You’re in the same situation as the majority of other car owners. Companies like Progressive, GEICO and Farmers Insurance continually bombard you with ads and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

It’s a good habit to compare rates quite often because prices trend upward over time. Despite the fact that you may have had the best rates on Grand Cherokee insurance a year ago the chances are good that you can find a lower rate today. So just forget all the misinformation about car insurance because I’m going to teach you the proper way to lower your annual insurance bill.

If you have insurance now or are looking for a new policy, you can learn to shop for the lowest rates while maximizing coverage. Finding the best rates is quite easy. Drivers just need to know the proper way to compare company rates on the web.

More discounts equal less premium

Companies offering auto insurance do not advertise every available discount very clearly, so we break down both the well known and also the lesser-known savings tricks you should be using. If you’re not getting every credit available, you are paying more than you should be.

  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • No Claims – Drivers with accident-free driving histories pay less when compared to bad drivers.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • College Student – Youth drivers who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
  • Clubs and Organizations – Being a member of a qualifying organization could trigger savings when buying auto insurance on Grand Cherokee insurance.
  • Drivers Education – Require your teen driver to complete a driver education course in high school.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts could save 15% off the personal injury premium cost.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.

It’s important to understand that many deductions do not apply the whole policy. Most cut specific coverage prices like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.

It’s not one size fits all

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can help discover whether you could use an agent’s help.

  • Can my babysitter drive my car?
  • Why is insurance for a teen driver so high?
  • Is my teenager covered with friends in the car?
  • Should I have combined single limit or split liability limits?
  • Are my friends covered when driving my car?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered if I crash into my own garage door?
  • Should I buy full coverage?
  • When can my company non-renew my policy?

Car insurance specifics

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. These are the usual coverages available from car insurance companies.

Liability insurance

This coverage protects you from injuries or damage you cause to a person or their property. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability can pay for claims such as repair costs for stationary objects, court costs and medical expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as nursing services, prosthetic devices, X-ray expenses, hospital visits and chiropractic care. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, theft, falling objects, rock chips in glass and hitting a deer. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Jeep Grand Cherokee.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Auto collision coverage

Collision insurance pays for damage to your Grand Cherokee resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like backing into a parked car, hitting a mailbox, rolling your car, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Be Smart and Buy Smart

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to find out they didn’t have enough coverage. Your aim should be to get the best coverage possible at an affordable rate while still protecting your assets.

You just read a lot of information how to save on 2011 Jeep Grand Cherokee insurance. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. You may even find the best price on car insurance is with a lesser-known regional company. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate, GEICO and Progressive.

Cheap insurance can be sourced on the web and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

More tips and info about car insurance is available in the articles below:

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