Cheaper 2001 Jeep Grand Cherokee Car Insurance Quotes

Searching for better insurance coverage rates for your Jeep Grand Cherokee? Searching for cheap insurance coverage on the internet may be intimidating for consumers not familiar with shopping for insurance online. With so many choices of companies in the marketplace, how can anyone effectively compare every one to find the cheapest rates?

It’s important to do rate comparisons periodically due to the fact that insurance rates are rarely the same from one policy term to another. Even if you got the lowest rates on Grand Cherokee coverage a couple years back there may be better deals available now. Ignore everything you know about insurance coverage because you’re about to find out the only way to find better coverage at a better price.

If you currently have car insurance, you will most likely be able to cut costs considerably using these tips. This article will instruct you on the most effective way to quote insurance and some money-saving tips. But consumers must learn the way insurance companies price online insurance because it can help you find the best coverage.

Save with discounts on Jeep Grand Cherokee insurance

Insuring your fleet can be pricey, but you may find discounts to help bring down the price. Larger premium reductions will be automatically applied at quote time, but a few need to be manually applied prior to receiving the credit.

  • Multiple Vehicles – Having multiple vehicles on one policy could earn a price break for each car.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Homeowners Savings – Simply owning a home can save you money because of the fact that having a home is proof that your finances are in order.
  • Drive Less and Save – Keeping the miles down on your Jeep could be rewarded with discounted rates on garaged vehicles.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you will save 10% to 20% off each policy.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Paperwork-free – A few companies will give a small break simply for signing over the internet.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Grand Cherokee coverage than their less cautious counterparts.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will reduce the amount you have to pay.

To see a list of companies with the best insurance coverage discounts, click here.

Tailor your coverage to you

When buying the best car insurance coverage for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover if your insurance needs might need professional guidance.

  • Will filing a claim cost me more?
  • Do I need rental car coverage?
  • Can I still get insurance after a DUI?
  • What exactly is covered by my policy?
  • Does car insurance cover theft of personal property?
  • How many claims can I have before being cancelled?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as 21st Century, Allstate and State Farm consistently run ads on television and other media. They all seem to say the same thing about savings if you change your coverage to them. How do they all make almost identical claims?

All the different companies have a preferred profile for the type of customer that makes them money. An example of a driver they prefer might be profiled as between the ages of 30 and 50, has no driving citations, and has a short commute. A driver who meets those qualifications gets the lowest rates and most likely will cut their rates substantially.

Drivers who are not a match for the requirements will have to pay higher rates and ends up with business going elsewhere. The ads say “customers that switch” not “everyone that quotes” save money. That’s the way insurance companies can make those claims.

Because of the profiling, it’s extremely important to get quotes from several different companies. It’s just too difficult to predict which company will give you the biggest savings on Jeep Grand Cherokee insurance.

Insurance policy specifics

Learning about specific coverages of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.


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

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as loss of income, medical services, attorney fees, emergency aid and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, damage from flooding and hail damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your Grand Cherokee resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, driving through your garage door and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for expenses for things like prosthetic devices, hospital visits, nursing services, EMT expenses and funeral costs. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

One last thing

People who switch companies do it for any number of reasons including policy non-renewal, an unsatisfactory settlement offer, questionable increases in premium and even being labeled a high risk driver. It doesn’t matter what your reason, finding a new car insurance company is not as hard as you think.

When buying insurance coverage, never skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

In this article, we covered a lot of information how to shop for 2001 Jeep Grand Cherokee insurance online. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers may even find the lowest premiums are with a small mutual company.

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