View 2001 Jeep Grand Cherokee Car Insurance Quotes

Searching for the cheapest insurance coverage rates for your Jeep Grand Cherokee? Saving money on Driversinsurance coverage can seem to be frustrating for people who are new to shopping for insurance online. You have so many different companies and agents to choose from that it can quickly become hard work to locate the lowest premium rates.

Consumers should take time to check insurance coverage prices before your policy renews because prices are constantly changing. Just because you found the best price for Grand Cherokee insurance a few years ago there is a good chance you can find better rate quotes now. Forget all the misinformation about insurance coverage because you’re going to get a crash course in how to use the internet to find lower rates on insurance coverage.

Don’t overlook these insurance coverage discounts

Companies offering auto insurance don’t necessarily list every available discount in an easy-to-find place, so below is a list some of the more common as well as the least known credits available to you. If you don’t get every credit possible, it’s possible you qualify for a lower rate.

  • Distant College Student Discount – Children who are enrolled in higher education away from home and don’t have a car could qualify for this discount.
  • Accident Forgiveness – This one is not really a discount per se, but certain companies permit an accident without the usual rate increase so long as you haven’t had any claims for a set time period.
  • Discounts for Cautious Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates for Grand Cherokee insurance than less cautious drivers.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple vehicles on a single policy may reduce the rate for each vehicle.
  • Bundled Policy Discount – If you can combine your home and auto policy and place coverage with the same company you will save at least 10 to 15 percent or more.

Just know that some credits don’t apply the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Popular insurance coverage companies and a summarized list of policyholder discounts can be read below.

  • Progressive may offer discounts for online signing, multi-vehicle, homeowner, good student, and continuous coverage.
  • AAA has savings for good student, good driver, multi-policy, anti-theft, multi-car, and education and occupation.
  • Farmers Insurance discounts include bundle discounts, pay in full, early shopping, alternative fuel, and teen driver.
  • GEICO policyholders can earn discounts including anti-theft, defensive driver, multi-vehicle, five-year accident-free, anti-lock brakes, air bags, and military active duty.
  • Esurance may have discounts that include DriveSense, safety device, homeowner, paid-in-full, and Pac-12 alumni.
  • SAFECO includes discounts for teen safe driver, multi-car, teen safety rewards, bundle discounts, anti-theft, homeowner, and anti-lock brakes.
  • State Farm has discounts for passive restraint, good student, good driver, accident-free, and Drive Safe & Save.

Double check with all the companies how many discounts you can get. All car insurance discounts may not be offered in every state. To view insurance coverage companies who offer insurance coverage discounts, follow this link.

When to get professional advice

When it comes to buying the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

These are some specific questions could help you determine whether or not you may require specific advice.

  • Am I covered when using my vehicle for business?
  • Why am I required to buy liability insurance?
  • Should I buy only the required minimum liability coverage?
  • Do I pay less for low miles?
  • Should I bundle my homeowners policy with my auto?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What discounts do I qualify for?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Car insurance coverages explained

Learning about specific coverages of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement.

Comprehensive car insurance – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, damage from getting keyed, hitting a deer, damage from a tornado or hurricane and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages – Liability coverage can cover damage that occurs to other people or property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like attorney fees, loss of income and pain and suffering. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as pain medications, rehabilitation expenses and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage covers damage to your Grand Cherokee resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, rolling your car, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Jeep Grand Cherokee.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are set the same as your liablity limits.

Be a penny pincher

Cheaper insurance coverage is possible online as well as from independent agents, and you need to comparison shop both to have the best selection. A few companies do not provide rate quotes online and most of the time these regional carriers only sell through local independent agencies.

As you go through the steps to switch your coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced full coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

We covered quite a bit of information on how to lower your 2001 Jeep Grand Cherokee insurance rates. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding affordable auto insurance. You may even find the lowest priced insurance coverage comes from a small mutual company.

Much more information about insurance coverage can be read on the following sites: