Nobody I know enjoys paying for insurance coverage, especially when the cost is way too high. Insurance companies such as GEICO and Progressive all claim big savings, bombarding you with TV and radio ads and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.
It’s important to get comparison quotes quite often because prices fluctuate regularly. Even if you think you had the best rates on Grand Cherokee coverage a couple years back other companies may now be cheaper. Starting now, forget anything you know (or think you know) about insurance coverage because it’s time to teach you the only way to reduce your cost while increasing coverage.
Comparing car insurance rates is a ton of work if you aren’t aware of the easiest way. You can waste hours discussing policy coverages with local insurance agents in your area, or you could use the web to get pricing more quickly.
All the larger companies take part in a program that enables customers to submit one quote, and each participating company then returns a price quote based on that information. This prevents consumers from doing quote forms for each company you want a rate for.
To compare pricing click here to open in new window.
The one downside to pricing coverage this way is you can’t choose the providers to get pricing from. If you would rather choose specific insurance companies for rate comparison, we put together a list of the cheapest car insurance companies in your area. View list of insurance companies.
Which method you use is up to you, but make absolute certain that you use identical deductibles and coverage limits for every company. If you are comparing different limits and deductibles on each one then you won’t be able to determine the best price for your Jeep Grand Cherokee.
Companies that sell car insurance don’t always advertise all available discounts in a way that’s easy to find, so we took the time to find some of the best known and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount available, you are paying more than you should be.
Drivers should understand that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck.
Car insurance companies that may offer these discounts include:
Before buying, ask each company what discounts are available to you. Savings may not apply in every state.
When it comes to choosing the best insurance coverage for your personal vehicles, there is no one size fits all plan. Every situation is different and your policy should reflect that. For example, these questions may help you determine whether you would benefit from professional advice.
If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.
It’s important that you understand some of the elements that play a part in calculating your auto insurance rates. Knowing what impacts premium levels enables informed choices that will entitle you to better auto insurance rates.
Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, rock chips in glass and damage from getting keyed. The maximum payout a 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.
Insurance for medical payments
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for doctor visits, surgery, EMT expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
This coverage protects you from injuries or damage you cause to other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.
Liability coverage protects against claims such as structural damage, medical expenses, attorney fees, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.
This coverage will pay to fix damage to your Grand Cherokee caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision coverage protects against claims like hitting a parking meter, colliding with a tree, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Jeep Grand Cherokee.
Since a lot of drivers have only the minimum liability required by law, 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.
We just showed you many ways to save on 2007 Jeep Grand Cherokee insurance. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may even discover the lowest priced insurance coverage comes from a lesser-known regional company. Smaller companies may only write in your state and offer lower rates than their larger competitors like Allstate and Progressive.
When you buy insurance online, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where an insured dropped liability coverage limits only to regret at claim time they didn’t have enough coverage. Your aim should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
Affordable insurance is definitely available from both online companies in addition to many insurance agents, so you should compare both to have the best selection. Some companies do not provide online quoting and most of the time these small, regional companies sell through independent agents.