Cheaper 2003 Jeep Grand Cherokee Insurance Rates

Having to pay for overpriced Jeep Grand Cherokee insurance can take a big chunk out of your savings account and force you to make sacrifices. Comparison shopping is a great way to reduce premiums and put more money in your pocket. Drivers have so many auto insurance companies to choose from, and although it’s nice to be able to choose, too many choices makes it more difficult to locate the cheapest rates.

It’s important to compare rates yearly since rates change frequently. Even if you think you had the best deal on Grand Cherokee insurance on your last policy the chances are good that you can find a lower rate today. Starting now, forget anything you know (or think you know) about insurance because we’re going to show you how to quote online to reduce your cost while increasing coverage.

Buying car insurance is not rocket science. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Drivers only need to know the most effective way to compare prices over the internet.

These discounts can lower your rates

Companies don’t always list every available discount very clearly, so the following is a list of some of the more common and also the lesser-known auto insurance savings. If you’re not getting every credit available, you are throwing money away.

  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Multiple Policy Discount – If you have multiple policies with one company you may save at least 10% off all policies.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts until age 25.
  • E-sign – A few companies give back up to $50 just for signing your application on their website.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in school.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy life insurance.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts can receive discounts up to 30%.

Consumers should know that some credits don’t apply to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way.

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

Cheap Car Insurance Comparisons

Most companies like Allstate, GEICO and Progressive allow you to get price estimates on the web. Obtaining pricing is pretty painless as you simply type in your required coverages into a form. Once entered, their rating system pulls your credit score and driving record and gives you a price quote determined by many factors. This makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to perform this step if you are searching for the lowest car insurance rates.

A less time-consuming method to compare rates requires only one form that obtains quotes from a bunch of companies at once. It’s a real time-saver, requires much less work on your part, and makes comparison shopping much simpler. Immediately after submitting the form, it gets priced and you can choose your choice of the quotes returned. If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process just takes a couple of minutes and can result in significant savings.

If you want to fill out one form to compare multiple rates now, click here and submit the form. To compare your current rates, we recommend you complete the form with your coverages identical to your current policy. This helps ensure you will have rate comparison quotes using the same coverage and limits.

Different people need different coverages

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For example, these questions may help you determine if your situation will benefit from professional help.

  • Are rental cars covered under my policy?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How much liability coverage do I need in my state?
  • Why do I only qualify for high-risk insurance?
  • Does medical payments coverage apply to all occupants?
  • Should I buy only the required minimum liability coverage?
  • What can I do if my company won’t pay a claim?
  • Am I covered if I drive in a foreign country?
  • How much can I save by bundling my policies?
  • Should I waive the damage coverage when renting a car?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Educate yourself about insurance coverages

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance

Med pay and PIP coverage pay for bills such as hospital visits, doctor visits, funeral costs, prosthetic devices and surgery. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability car insurance

Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things such as medical expenses, medical services, repair bills for other people’s vehicles, emergency aid and bail bonds. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, theft, fire damage, hitting a bird and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision insurance

This pays for damage to your Grand Cherokee resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like colliding with another moving vehicle, colliding with a tree, hitting a mailbox, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Better coverage you can count on

We’ve covered quite a bit of information on how to shop for 2003 Jeep Grand Cherokee insurance online. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the lowest premiums are with a smaller regional carrier. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

Cheaper insurance can be found from both online companies in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

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