2010 Jeep Grand Cherokee Insurance Cost – 6 Tips to Save

Shoppers have many options when shopping for affordable Jeep Grand Cherokee insurance. They can either spend hours driving around to compare prices or utilize the internet to make rate comparisons. There is a better way to shop for insurance and we’ll show you the absolute fastest way to price shop coverage for a new or used Jeep and obtain the lowest price from local insurance agents and online providers.

It’s smart to compare rates yearly since prices change quite often. Even if you got the best deal for Grand Cherokee coverage at your last renewal you can probably find a better rate quote now. You can find a lot of misleading information regarding insurance on the web, but you can learn some tested techniques to lower your insurance bill.

The best way we recommend to compare rates is to understand almost all companies actually pay money for the chance to provide you with free rate quotes. The only thing you need to do is take a few minutes to give details including whether your vehicle is owned or leased, driver details, level of coverage desired, and if you went to college. Your rating data is then submitted to multiple top-rated companies and they return cost estimate instantly to find the best rate.

Car insurance policy discounts you can’t miss

Properly insuring your vehicles can get expensive, but you might already qualify for some discounts that can drop the cost substantially. Most are applied at the time you complete a quote, but occassionally some discounts must be specifically requested before you get the savings.

  • Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control are much safer to drive so you can save 10 percent or more.
  • Senior Citizens – Mature drivers can get better car insurance rates for Grand Cherokee coverage.
  • Air Bags and Passive Restraints – Vehicles with factory air bags can get savings of 25 to 30%.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up can save 10% or more off PIP or medical payments premium.
  • Own a Home – Owning a home may trigger a policy discount on car insurance since home ownership demonstrates responsibility.
  • Discount for Multiple Policies – If you can combine your auto and home policy and insure them with the same company you could save at least 10% off all policies.

It’s important to understand that some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as comp or med pay. Even though the math looks like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any amount of discount will cut your policy premiums.

A few of the larger companies and some of the discounts can be found below.

  • GEICO policyholders can earn discounts including five-year accident-free, multi-vehicle, daytime running lights, defensive driver, federal employee, multi-policy, and military active duty.
  • Auto-Owners Insurance may have discounts that include paperless, air bags, company car, anti-theft, multiple vehicles, and mature driver.
  • American Family has savings for multi-vehicle, air bags, bundled insurance, defensive driver, good driver, and accident-free.
  • Esurance discounts include DriveSense, paid-in-full, claim free, homeowner, multi-car, online shopper, and defensive driver.
  • Progressive offers discounts for homeowner, continuous coverage, good student, online quote discount, online signing, and multi-policy.
  • State Farm offers premium reductions for student away at school, driver’s education, accident-free, passive restraint, and multiple policy.
  • AAA offers discounts including multi-car, multi-policy, good student, education and occupation, good driver, anti-theft, and AAA membership discount.

Before purchasing a policy, check with all the companies which discounts can lower your rates. Some discounts may not apply in every state.

Insurance agents can help

When buying coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different.

These are some specific questions might point out whether your personal situation would benefit from an agent’s advice.

  • Will my rates increase for filing one claim?
  • Is my babysitter covered when using my vehicle?
  • Does coverage extend to my business vehicle?
  • What is medical payments coverage?
  • Is my dog or cat covered if injured in an accident?
  • Should I sign the liability waiver when renting a car?
  • What is the difference between comprehensive and collision coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can help protect your family.

Brand name doesn’t guarantee savings

Consumers get pounded daily by advertisements for the lowest price insurance coverage by State Farm and Allstate. All the companies make the same claim about how much you will save if you just switch to them.

How does each company charge less that you’re paying now? Just pay attention to how they say it.

Insurance coverage companies have specific characteristics for the type of driver that will be a good risk. An example of this type of risk profile may need to be a married female, is a homeowner, and drives newer vehicles. Someone that meets those criteria is entitled to the best price and will save some money.

Potential insureds who do not meet those standards will be quoted higher rates and this can result in business going elsewhere. The wording the ads use say “people who switch” not “all people who quote” can get the lowest rates when switching. This is how insurance companies can confidently lure you into getting a quote. Because each company has a different risk profile, drivers should do a rate comparison at every renewal. It’s impossible to know the company that will fit your personal profile best.

Learn about insurance coverages for a 2010 Jeep Grand Cherokee

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Coverage for liability

This coverage will cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as medical services, pain and suffering, legal defense fees, loss of income and emergency aid. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Uninsured or underinsured coverage

This gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2010 Jeep Grand Cherokee.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as hospital visits, prosthetic devices, EMT expenses and ambulance fees. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, scraping a guard rail, hitting a mailbox, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, fire damage, a broken windshield, damage from a tornado or hurricane and rock chips in glass. The highest amount your insurance company will pay 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.

Money doesn’t grow on trees

When searching for the cheapest auto insurance quotes, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits and learned later that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.

Cheaper 2010 Jeep Grand Cherokee insurance can be found online and also from your neighborhood agents, so get free auto insurance quotes from both of them to have the best rate selection. A few companies may not offer the ability to get quotes online and usually these smaller providers provide coverage only through local independent agencies.

Consumers who switch companies do it for many reasons like an unsatisfactory settlement offer, high rates after DUI convictions, lack of trust in their agent or even unfair underwriting practices. It doesn’t matter what your reason, finding the right insurance coverage provider is pretty easy and you might even save some money in the process.

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