How Much Does 2000 Jeep Grand Cherokee Car Insurance Cost?

Looking for the cheapest insurance coverage rates for your Jeep Grand Cherokee? Are you tired of wondering where the money will come from to pay your insurance coverage bill each month? You are no different than many other people. Companies like Allstate, Liberty Mutual and State Farm continually hit you with catchy ads and it is difficult to see past the corporate glitz and do the work needed to find the best deal.

Use discounts on car insurance

Companies that sell car insurance do not advertise every available discount very well, so below is a list a few of the more common as well as some of the hidden credits that you can use to lower your rates.

  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are much safer to drive and therefore earn up to a 10% discount.
  • Membership in Organizations – Belonging to a professional or civic organization could trigger savings on car insurance.
  • Online Discount – Many car insurance companies will provide an incentive for completing your application on the internet.
  • Defensive Driver Discounts – Successfully completing a course that instructs on driving safety could possibly earn you a 5% discount if your company offers it.
  • Theft Deterent – Cars equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Home Ownership Discount – Just being a homeowner can save you money since home ownership shows financial diligence.

As a sidenote, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce specific coverage prices like liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, it just doesn’t work that way.

If you would like to choose from a list of insurers that offer some of these discounts, click here to view.

Which car insurance is cheapest?

Many insurance companies like GEICO, State Farm and Progressive give price estimates on the web. The process is very simple as you just enter your coverage information into the form. After you submit the form the quote system will order information on your driving record and credit history and generates pricing information based on the information you submitted. Being able to quote online makes it simple to compare prices but the work required to visit many different websites and type in the same information gets old quite quickly. But it’s also necessary to compare as many rates as possible if you want to find a lower rate.

A less time-consuming method to lower your car insurance bill requires only one form that analyzes rates from several different companies. It’s a real time-saver, eliminates form submissions, and makes online quotes much simpler. After sending your information, it is rated with multiple companies and you can pick any or none of the resulting price quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The entire process takes just a few minutes to complete and you will find out if you’re overpaying now.

To save time and find out how much you can save on car insurance, click here and submit your coverage information. If you have a policy now, it’s recommended you enter coverages and limits just like they are on your policy. Doing this guarantees you will receive a rate comparison for similar coverage.

How do insurers determine Jeep Grand Cherokee insurance prices?

It’s important that you understand some of the factors that help determine the price you pay for car insurance. If you know what impacts premium levels, this helps enable you to make changes that could result in cheaper rates. Many factors are considered when pricing auto insurance. Some are obvious such as your driving history, but others are more obscure like where you live or how financially stable you are.

The items below are some of the things companies use to determine prices.

  • Save money by eliminating add-on coverages – There are a lot of additional coverages that you can get tricked into buying but may not be useful. Insurance for things like rental car reimbursement, high-cost glass coverage, and Farm Bureau memberships may be costing you every month. You may think they are a good idea when deciding what coverages you need, but your needs may have changed so get rid of them and save.
  • Your liability limits – Liability insurance will protect you if ever you are found liable for causing damage or personal injury in an accident. It provides for a legal defense starting from day one. It is affordable coverage compared to other policy coverages, so buy as much as you can afford.
  • Avoid traffic tickets – Good drivers pay lower auto insurance prices than people who have multiple driving citations. Even a single ticket can boost insurance rates by as much as twenty percent. Drivers who have flagrant tickets such as DUI, reckless driving or excessive speeding may face state-mandated requirements to prove financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • Having a spouse is a good thing – Having a wife or husband helps lower the price compared to being single. Having a spouse is viewed as being more mature and it’s proven that married drivers get in fewer accidents.
  • Can a thief steal your car? – Purchasing a vehicle that has a built-in theft deterrent system can get you a discount on your car insurance. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all hinder auto theft.
  • Car insurance policy lapses increase car insurance rates – Not having insurance is not a good idea and as a result your rates will increase for letting your coverage have a gap. And not only will insurance be more expensive, the inability 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 department of motor vehicles.
  • Too many car insurance claims and you’ll pay more – If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Companies award the lowest premiums to policyholders that do not abuse their auto insurance. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.

Tailor your car insurance coverage to you

When buying adequate coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions could help you determine whether your personal situation may require specific advice.

  • When do I need to add a new car to my policy?
  • How do I file an SR-22 for a DUI in my state?
  • Do I need PIP coverage since I have good health insurance?
  • Can I drive in Mexico and have coverage?
  • Are split liability limits better than a combined single limit?
  • Is my 2000 Jeep Grand Cherokee covered for flood damage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Will my rates increase for filing one claim?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Do insurance coverage companies bend the truth?

Drivers can’t avoid all the ads that promise big savings by companies like GEICO, State Farm and Progressive. They all convey the message that you can save if you change to them.

How can each company lower your car insurance rates? You have to listen carefully.

Companies can use profiling for the type of insured that earns them the most money. One example of a desirable insured might have to be a mature driver, insures multiple vehicles, and drives less than 10,000 miles a year. Anyone that meets those criteria may get the lowest car insurance rates as well as pay quite a bit less when switching companies.

Drivers who don’t qualify for the ideal profile will get a higher rate and the driver buying from a lower-cost company. If you pay attention, the ads say “drivers who switch” but not “everyone who gets a quote” will save that much if they switch. This is how companies can lure you into getting a quote.

Each company has different criteria, so it’s extremely important to compare quotes as often as possible. Because you never know with any certainty which company will have the lowest premium rates for your situation.

Auto insurance coverages

Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on the average auto insurance policy.

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as pain and suffering, legal defense fees, structural damage, emergency aid and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally these limits are set the same as your liablity limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like prosthetic devices, ambulance fees and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision insurance

This coverage will pay to fix damage to your Grand Cherokee resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive auto insurance

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, hitting a bird, damage from getting keyed, a broken windshield and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

A tidy conclusion

Budget-conscious 2000 Jeep Grand Cherokee insurance is attainable both online and with local insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who do not provide online rate quotes and usually these smaller companies prefer to sell through independent agencies.

Throughout this article, we presented many ideas to compare 2000 Jeep Grand Cherokee insurance prices online. It’s most important to understand that the more quotes you get, the better likelihood of getting the cheapest insurance. Drivers may discover the best price on insurance coverage is with a small mutual company. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

Additional detailed information is located in these articles: