Compare 2005 Jeep Grand Cherokee Car Insurance Quotes

Drivers have many options when trying to find low-cost Jeep Grand Cherokee insurance. You can either spend your time driving around to get rate comparisons or utilize the internet to make rate comparisons.

There are both good and bad ways to shop for insurance and you need to know the absolute fastest way to quote coverages for a new or used Jeep and obtain the lowest possible price either online or from local insurance agents.

You should make it a habit to shop coverage around every six months because prices change regularly. If you had the best quotes for Grand Cherokee insurance six months ago you can probably find a better rate now. Forget anything you know (or think you know) about insurance because you’re about to find out the fastest and easiest way to lower your rates without sacrificing coverage.

If you have insurance now or are just looking to switch companies, you can use this information to find the best rates while maintaining coverages. The purpose of this post is to let you in on how to get online quotes and some tricks to saving. Consumers just need to understand how to get comparison rates on the web.

Ways to get car insurance price quotes

Most companies give prices on their websites. Getting online rates is possible for anyone as you simply type in the coverage amounts you desire into the quote form. After you complete the form, their system pulls reports for credit and driving violations and generates a price based on the data you entered.

This simplifies rate comparisons, but the time required to go to a lot of sites and type in the same data is a waste of time. But it’s necessary to get many rate quotes in order to get the best price possible.

An easier way to find better car insurance pricing uses one simple form to get prices from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes much simpler. As soon as you send your information, it is rated and you can choose any or none of the quote results.

If a lower price is quoted, it’s easy to complete the application and buy the policy. This process takes 15 minutes at the most and you will find out if you’re overpaying now.

To find out what other companies charge, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you duplicate the limits and deductibles as close as possible to your current policy. This guarantees you will have rate quotes using the exact same coverages.

You may qualify for discounts

Companies that sell car insurance do not list their entire list of discounts in an easy-to-find place, so we researched some of the more common in addition to some of the lesser obvious discounts that you may qualify for.

  • Good Student – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts could see savings up to 30%.
  • More Vehicles More Savings – Drivers who insure multiple cars or trucks on one policy can get a discount on all vehicles.
  • Discount for Swiching Early – A few insurance companies give discounts for switching to them before your current expiration date. It’s a savings of about 10%.
  • Auto/Home Discount – If you can combine your auto and home policy with one company you may save up to 20% off your total premium.
  • ABS Brakes – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
  • Drive Less and Save – Driving less could be rewarded with lower rates on the low mileage vehicles.

A quick disclaimer, some of the credits will not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, that’s just not realistic. Any amount of discount will lower your policy cost.

A few of the larger companies and the discounts they provide can be read below.

  • Travelers may have discounts that include good student, continuous insurance, driver training, payment discounts, and hybrid/electric vehicle.
  • 21st Century discounts include teen driver, 55 and older, theft prevention, student driver, anti-lock brakes, and good student.
  • State Farm may offer discounts for student away at school, good driver, anti-theft, passive restraint, multiple policy, accident-free, and safe vehicle.
  • GEICO policyholders can earn discounts including anti-lock brakes, multi-vehicle, seat belt use, driver training, and federal employee.
  • SAFECO offers premium reductions for anti-lock brakes, teen safe driver, teen safety rewards, multi-car, and accident prevention training.
  • AAA has discounts for good student, education and occupation, good driver, anti-theft, AAA membership discount, and multi-policy.

Check with every prospective company to apply every possible discount. Some credits may not apply in your area.

There’s no such thing as the perfect insurance policy

When it comes to buying adequate coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions might help in determining whether your personal situation will benefit from professional help.

  • How much liability insurance is required?
  • Should I carry comprehensive and collision coverage?
  • Is pleasure use cheaper than using my 2005 Jeep Grand Cherokee to commute?
  • Can I rate high risk drivers on liability-only vehicles?
  • What if I owe more than I can insure my car for?
  • Do I have coverage for damage caused while driving under the influence?
  • Are my tools covered if they get stolen from my vehicle?
  • Will my insurance pay for OEM parts?
  • Do I need higher collision deductibles?
  • Am I covered when driving a rental car?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

Information about specific coverages

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as loss of income, medical expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Jeep Grand Cherokee.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, a tree branch falling on your vehicle, hitting a deer, rock chips in glass and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like crashing into a ditch, sideswiping another vehicle, hitting a mailbox, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as X-ray expenses, nursing services, EMT expenses and surgery. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay