View 2004 Jeep Grand Cherokee Car Insurance Rates

Consumers who are new to the process of comparison shopping online can find purchasing affordable insurance quite challenging.

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Comparing insurance rates can be a lot of work if you don’t utilize the most efficient way. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you could use online quotes to get the quickest rates.

Most of the best insurance companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and every company returns a rated price determined by their information. This prevents consumers from doing form submissions to every company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to using this type of form is you can’t choose which insurance companies to get quotes from. If you wish to select individual companies to compare prices, we have a page of low cost insurance companies in your area. Click to view list.

It’s up to you which method you use, but make sure you use the exact same coverages for each price quote. If each company quotes higher or lower deductibles you can’t possibly make a fair comparison for your Jeep Grand Cherokee. Just a small difference in insurance coverages could mean much higher rates. It’s important to know that having more price comparisons gives you a better chance of getting a better price.

Factors that can influence Jeep Grand Cherokee insurance rates

An important part of buying insurance is that you know some of the elements that go into determining your auto insurance rates. Understanding what controls the rates you pay enables informed choices that may reward you with better auto insurance rates.

  • How your age affects price – More mature drivers tend to be more responsible, file fewer claims and receive fewer citations. Young drivers are known to be careless and easily distracted when driving and because of this, their auto insurance rates are much higher.
  • Add-on coverages can add up – There are many extra bells and whistles you can purchase on your Grand Cherokee policy. Coverages like vanishing deductibles, better glass coverage and motor club memberships are examples of these. These coverages may sound good at first, but if you don’t need them get rid of them and save.
  • Discounts for married couples – Having a wife or husband helps lower the price on auto insurance. Marriage is viewed as being more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Bump up deductibles to save – Physical damage deductibles represent how much money you are willing to pay if you file a covered claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The more you’re willing to pay, the bigger discount you will receive on Grand Cherokee insurance.
  • Protect your assets with liability insurance – Liability insurance is the protection when a court rules you are at fault for damages caused by your negligence. It provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Consolidate policies to earn discounts – Most auto insurance companies will award you with lower prices to people who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to comparison shop to verify if the discount is saving money. You may still be able to find a better deal by insuring with multiple companies.
  • A lapse in coverage is a bad thing – Letting your insurance expire is a quick way to increase your auto insurance rates. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a steep fine or even jail time.Then you may be required to file a SR-22 with your state motor vehicle department.

Discounts on Jeep Grand Cherokee insurance

Companies offering auto insurance do not list every available discount in an easy-to-find place, so here is a list some of the best known as well as the least known savings tricks you should be using.

  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Homeowners Savings – Owning a house can help you save on insurance because of the fact that having a home demonstrates responsibility.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on Grand Cherokee insurance than drivers with accidents.
  • College Student – Children who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Claim Free – Claim-free drivers pay less when compared with accident-prone drivers.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Safety Course Discount – Taking part in a driver safety course could cut 5% off your bill if you qualify.
  • Passive Restraints and Air Bags – Factory air bags can receive discounts of 20% or more.

Keep in mind that most credits do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think you could get a free insurance policy, companies wouldn’t make money that way.

To see a list of insurance companies with discount insurance rates, follow this link.

Tailor your coverage to you

When it comes to choosing the best insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different.

For example, these questions might point out if your insurance needs could use an agent’s help.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need to file an SR-22 for a DUI in my state?
  • What are the best liability limits?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered if I hit a deer?
  • I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Coverages available on your insurance policy

Knowing the specifics of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like a tree branch falling on your vehicle, vandalism, hitting a bird and fire damage. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 2004 Jeep Grand Cherokee.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as prosthetic devices, EMT expenses, pain medications, X-ray expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability coverages

This coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for 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. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as pain and suffering, funeral expenses, emergency aid and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying higher limits if possible.

Auto collision coverage

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

Collision coverage protects against claims like driving through your garage door, crashing into a building, hitting a mailbox, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Find Good Coverage for Less

We just covered some good ideas how to lower your 2004 Jeep Grand Cherokee insurance rates. The key concept to understand is the more you quote, the higher the chance of saving money. You may even discover the best price on auto insurance is with a smaller regional carrier.

Drivers who switch companies do it for a number of reasons such as poor customer service, policy non-renewal, high rates after DUI convictions and even not issuing a premium refund. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

When shopping online for auto insurance, do not skimp on coverage in order to save money. There are too many instances where someone dropped liability coverage limits only to regret that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at a price you can afford.

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