2003 Jeep Grand Cherokee Insurance Quotes – 8 Ways to Save

Want better car insurance rates for your Jeep Grand Cherokee? Having to pay for overpriced car insurance can empty your checking account and put a big crunch on your finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Numerous insurance companies battle for your business, so it’s not easy to compare every insurer to get the lowest rate possible.

Consumers need to get comparison quotes yearly since insurance rates change frequently. If you had the lowest rates on Grand Cherokee insurance a few years ago there is a good chance you can find better rates now. Starting right now, forget anything you know (or think you know) about car insurance because you’re about to learn the only way to find better rates and still maintain coverage.

How to Buy Car Insurance Online

Getting a cheaper price on 2003 Jeep Grand Cherokee insurance can be quick and easy. Drivers just need to take a couple of minutes getting comparison quotes online from several insurance companies. This can be done in a couple of different ways.

1. The most efficient way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This form prevents you from having to do repetitive form submissions for each company you want a rate for. A single form will get you rate comparisons from many national carriers.
2. A more difficult way to shop for car insurance online requires visiting each company website and complete a new quote form. For examples sake, we’ll assume you want to compare rates from State Farm, 21st Century and Progressive. To get rate quotes you would need to go to every website to input your insurance information, which is why most consumers use the first method.

   For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just make sure you use the exact same coverages for each price quote. If you compare higher or lower deductibles it’s not possible to truly determine the lowest rate.

What is the best insurance coverage?

When it comes to buying the best auto insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique and your policy should reflect that. For example, these questions might point out whether or not you may require specific advice.

• Am I covered when pulling a rental trailer?
• Should I buy only the required minimum liability coverage?
• Should I carry comprehensive and collision coverage?
• Can my teen drive my company car?
• Do I need replacement cost coverage?
• How can I find cheaper teen driver insurance?
• When should I not file a claim?
• Am I covered if hit by an uninsured driver?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Coverages available on your policy

Learning about specific coverages of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average auto insurance policy.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Jeep Grand Cherokee.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Liability car insurance – Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as structural damage, repair bills for other people’s vehicles, pain and suffering, loss of income and repair costs for stationary objects. How much coverage you buy is your choice, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, falling objects and damage from flooding. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Med pay and PIP coverage pay for bills for doctor visits, pain medications and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance pays for damage to your Grand Cherokee resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.