2010 Jeep Grand Cherokee Insurance Rates

Shoppers have a choice when shopping for low-cost Jeep Grand Cherokee insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to find the lowest rates.

There is a right way and a wrong way to buy insurance coverage and we’ll show you the quickest way to quote coverages for your Jeep and find the cheapest rates.

It is always a good idea to do price comparisons periodically because insurance coverage prices go up and down regularly. Just because you found the lowest rate on Grand Cherokee insurance a couple years back other companies may now be cheaper. Ignore everything you know about insurance coverage because you’re about to find out the proper way to buy cheaper insurance coverage.

If you have a current auto insurance policy or need a new policy, you can use these tips to find better prices and possibly find even better coverage. This information will help you learn the most effective way to quote insurance. Consumers just need to know the proper way to buy auto insurance online.

More discounts mean affordable premiums

Insurance is easily one of your largest bills, but there’s a good chance there are discounts that may help make it more affordable. Some trigger automatically when you complete an application, but occassionally some discounts must be asked about before being credited.

• Switch and Save Discount – A few insurance companies offer discounts for signing up early. This discount can save up to 10%.
• Homeowners Savings – Just owning your own home can help you save on insurance since home ownership means you have a higher level of financial diligence.
• Auto/Home Discount – If you can bundle your home and auto insurance and place coverage with the same company you will save approximately 10% to 15%.
• Cautious Driver Discount – Drivers who avoid accidents can save as much as half off their rates on Grand Cherokee insurance than their less cautious counterparts.
• Defensive Driving Course – Completing a defensive driving course could earn you a small percentage discount depending on where you live.
• Buy New and Save – Putting insurance on a new car is cheaper because newer models keep occupants safer.
• Air Bag Discount – Factory air bags or automatic seat belts may earn rate discounts as much as 30%.
• Pay Upfront and Save – By paying your policy upfront as opposed to paying monthly you can actually save on your bill.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. Even though it appears you could get a free insurance policy, it doesn’t quite work that way.

A few of the larger companies and a partial list of their discounts are shown below.

• Progressive offers premium reductions for good student, multi-vehicle, multi-policy, homeowner, online quote discount, online signing, and continuous coverage.
• Geico has savings for military active duty, daytime running lights, membership and employees, air bags, anti-lock brakes, driver training, and defensive driver.
• State Farm may offer discounts for anti-theft, good driver, Steer Clear safe driver discount, defensive driving training, multiple policy, and good student.
• Esurance may include discounts for renters, Switch & Save, good student, anti-theft, paid-in-full, multi-car, and good driver.
• The Hartford includes discounts for air bag, vehicle fuel type, driver training, good student, bundle, defensive driver, and anti-theft.

When getting a coverage quote, ask each insurance company which discounts they offer. Some discounts might not apply in your area.

How to buy auto insurance online

There are a lot of ways to shop for auto insurance, but there is one way that is less labor-intensive and much quicker. You can spend your afternoon driving to agents in your area, or you can utilize online quotes to get prices fast.

The majority of car insurance companies enroll in a system where insurance shoppers submit one quote, and each company can give them a price based on that information. This system prevents you from having to do quote forms for every auto insurance company.

To participate in this free quote system, click here to start a free quote.

The single downside to pricing coverage this way is that you can’t choose the providers to get pricing from. So if you want to select specific providers to compare, we put together a list of the cheapest auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, ensure you’re using the exact same coverage limits and deductibles for every quote you compare. If you use unequal deductibles or liability limits you can’t possibly make an equal comparison.

It’s not one size fits all

When choosing adequate coverage for your vehicles, there really is not a one size fits all plan. Every situation is different.

These are some specific questions may help highlight if your situation will benefit from professional help.

• When should I buy a commercial auto policy?
• Does my insurance cover damage caused when ticketed for reckless driving?
• How do I buy GAP insurance?
• Am I covered if my car is in a flood?
• Does coverage extend to my business vehicle?
• What are the financial responsibility laws in my state?
• Are rock chip repairs covered?
• Should I waive the damage coverage when renting a car?
• Can I rent a car in Mexico?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage basics

Learning about specific coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses for things like chiropractic care, EMT expenses, ambulance fees, X-ray expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto liability insurance

This coverage protects you from damage that occurs to other’s property or people in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like medical services, medical expenses, loss of income, emergency aid and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, rock chips in glass and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are set the same as your liablity limits.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, colliding with a tree, damaging your car on a curb, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Be a Smart Shopper

We just presented a lot of ways to save on 2010 Jeep Grand Cherokee insurance. It’s most important to understand that the more price quotes you have, the better your comparison will be. Drivers may discover the lowest priced auto insurance comes from a small local company.

When shopping online for auto insurance, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice collision coverage only to discover later they didn’t have enough coverage. The goal is to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.

Cheaper 2010 Jeep Grand Cherokee insurance is possible from both online companies in addition to local insurance agencies, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and many times these regional insurance providers sell through independent agents.

Helpful learning opportunities

• Rental Car Insurance Tips (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• A Tree Fell on Your Car: Now What? (Allstate)