2005 Jeep Grand Cherokee Car Insurance Rates – 10 Tips for Best Quotes

No one likes paying for car insurance, particularly when they are paying too much. Drivers have so many insurers to buy insurance from, and although it’s nice to have a selection, it can be more challenging to find the best rates.

Smart consumers take time to shop coverage around every six months because prices are variable and change quite frequently. Even if you got the best rates on Grand Cherokee coverage six months ago there may be better deals available now. So just block out anything you think you know about car insurance because you’re going to learn how to quote online to save on car insurance.

Verify you’re getting all your discounts

Car insurance companies don’t always list every available discount in a way that’s easy to find, so the following is a list of some of the best known and the more hidden ways to save on insurance coverage. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Homeowners Pay Less – Simply owning a home may earn you a small savings because owning a home is proof that your finances are in order.
  • Good Student – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Organization Discounts – Belonging to certain professional organizations is a good way to get lower rates when buying insurance coverage on Grand Cherokee coverage.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Multiple Cars – Buying coverage for all your vehicles with the same company can get a discount on all vehicles.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could save 15% off your medical payments premium.
  • Claim Free – Drivers with accident-free driving histories pay less as compared to drivers who are more careless.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Grand Cherokee coverage than drivers with accidents.
  • Low Mileage Discounts – Fewer annual miles on your Jeep could qualify for lower rates on the low mileage vehicles.

It’s important to note that most credits do not apply to the overall cost of the policy. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way.

Companies that may offer these money-saving discounts include:

Check with all companies you are considering which discounts they offer. All car insurance discounts might not be offered in every state.

Insurance Coverage Comparisons

Getting better 2005 Jeep Grand Cherokee insurance coverage pricing can be relatively painless. Consumers just need to spend a few minutes on the computer getting comparison quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • One of the simplest ways to compare a lot of rates at once is a comparison rater form click to view form in new window. This easy form saves time by eliminating repetitive form entry to each individual insurance coverage company. A single form will return quotes direct from many companies.
  • A more difficult way to find lower rates is going to each company website to request a price quote. For instance, we’ll assume you want to compare USAA, 21st Century and State Farm. To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is more popular.

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

It’s your choice how you get your quotes, but compare apples-to-apples information for each comparison quote. If each company quotes higher or lower deductibles it’s not possible to make a fair comparison for your Jeep Grand Cherokee.

When should I talk to an agent?

When choosing the best auto insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

  • Is my Jeep Grand Cherokee covered if I use it for business?
  • Does car insurance cover theft of personal property?
  • Are rock chip repairs covered?
  • Is business property covered if stolen from my car?
  • Does coverage extend to a rental car in a foreign country?
  • Am I better off with higher deductibles on my 2005 Jeep Grand Cherokee?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Auto insurance coverage information

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.


This coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as funeral expenses, loss of income, medical services, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, damage from a tornado or hurricane, falling objects and theft. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses such as rehabilitation expenses, funeral costs and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a parking meter, backing into a parked car, colliding with another moving vehicle, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

You can do this!

We just presented a lot of techniques to reduce 2005 Jeep Grand Cherokee insurance prices online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even find the lowest priced auto insurance comes from a smaller regional carrier. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like GEICO and State Farm.

As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. In too many instances, an insured dropped uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. Your focus should be to purchase plenty of coverage for the lowest price while still protecting your assets.

Cheap insurance is possible online in addition to many insurance agents, and you should be comparing both to have the best selection. Some insurance providers do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

Additional information