How Much Does 2000 Jeep Grand Cherokee Car Insurance Cost?

Want better insurance coverage rates? Drivers have many options when trying to find the best price on Jeep Grand Cherokee insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to get rate quotes.

There are both good and bad ways to compare insurance coverage rates and you need to know the best way to get price quotes for a Jeep and obtain the lowest possible price either online or from local insurance agents.

Which Car Insurance is Cheapest?

There are several ways you can shop for Jeep Grand Cherokee car insurance and some are less time-consuming than others. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could use the web to quickly compare rates.

Most major companies take part in a program where prospective buyers submit their information once, and at least one company then returns a price quote. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

To enter your information into the quoting system, click here (opens in new window).

The only downside to using this type of form is you can’t choose the companies to get pricing from. So if you want to choose specific insurance companies to request quotes from, we put together a list of companies who write car insurance in your area. Click here to view list.

It’s up to you how you get prices quotes, just make sure you use the exact same quote information for each price quote. If you compare different liability limits it’s not possible to truly determine the lowest rate.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can drop the cost substantially. Some trigger automatically at quote time, but less common discounts must be specially asked for before being credited. If you don’t get every credit possible, you’re just leaving money on the table.

  • Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance from them.
  • 55 and Retired – If you’re over the age of 55, you may qualify for a small decrease in premiums for Grand Cherokee coverage.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Paperless Signup – A handful of insurance companies give back up to $50 simply for signing on their website.
  • Accident Forgiveness – A few companies will forgive one accident before raising your premiums if you are claim-free prior to the accident.
  • Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.
  • Bundle and Save – When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
  • Organization Discounts – Being a member of certain professional organizations could trigger savings on your policy for Grand Cherokee coverage.

It’s important to understand that most discount credits are not given to the entire cost. Most only apply to individual premiums such as comp or med pay. So despite the fact that it appears you could get a free insurance coverage policy, companies wouldn’t make money that way. Any amount of discount will bring down your overall premium however.

Companies that possibly offer these discounts are:

Double check with all companies you are considering which discounts you may be entitled to. Discounts may not apply in your area.

How to know if you need help

When choosing coverage, there really is not a “perfect” insurance plan. Every situation is different.

For instance, these questions can help discover whether you could use an agent’s help.

  • Is a blown tire covered by insurance?
  • Is motorclub coverage worth it?
  • Is there coverage for injuries to my pets?
  • Do I have coverage when using my vehicle for my home business?
  • Do I have newly-aquired coverage?
  • Do I really need UM/UIM coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Auto insurance 101

Having a good grasp of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, rock chips in glass and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

Collision insurance covers damage to your Grand Cherokee caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, crashing into a building, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses such as surgery, X-ray expenses, chiropractic care and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Liability coverages

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as bail bonds, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage

This provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Jeep Grand Cherokee.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.