2008 Jeep Grand Cherokee Car Insurance Rates

Having to pay for overpriced Jeep Grand Cherokee insurance can take a big chunk out of your checking account, especially in this economy. Shopping your coverage around is a great way to tighten up your finances.

Many car insurance companies vie for your business, so it can be very hard to choose a provider to discover the definitive lowest cost out there.

It’s a great practice to check insurance prices on a regular basis since rates fluctuate regularly. Just because you had the best price for Grand Cherokee insurance last year you can probably find a better price now. So forget anything you know (or think you know) about insurance because it’s time to teach you the best methods to save on insurance.

If you currently have car insurance, you will be able to lower your premiums substantially using this strategy. Choosing the best insurance company for you is quite easy. Nevertheless, consumers can benefit from knowing how insurance companies compete online because it can help you find the best coverage.

Finding Car Insurance Deals

There are several ways to compare rate quotes from car insurance companies in your area. The best method to find the cheapest 2008 Jeep Grand Cherokee insurance rates is to perform an online rate comparison. This is very easy and can be done in several different ways.

  1. The easiest and least time consuming way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This method eliminates the need for repetitive form submissions for each company you want a rate for. One form submission will return price quotes from all major companies.
  2. Another way to compare rate quotes consists of visiting the website for each individual company to request a price quote. For examples sake, let’s say you want to compare rates from Farmers, Progressive and GMAC. You would have to take the time to go to each site to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
  3. The hardest way to compare rates is to drive around to different agent offices. Buying insurance online has reduced the need for local agents unless you prefer the professional guidance that only a license agent can provide. It is possible to compare the best prices online and get advice from an agent in your area.

Whichever method you choose, make absolute certain that you use exactly the same coverages with every price quote. If you enter differing limits then you won’t be able to determine which rate is truly the best. Quoting even small variations in coverage limits can make a big difference in price. And when price shopping your coverage, comparing a large number of companies helps locate a better price.

When should I use an insurance agent?

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether you would benefit from an agent’s advice.

  • Why am I required to buy high-risk coverage?
  • What are the best liability limits?
  • When can my company non-renew my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When can I cancel my policy?
  • Will my rates increase for filing one claim?
  • Is my teenager covered with friends in the car?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Car insurance coverage information

Learning about specific coverages of your auto insurance policy helps when choosing the best coverages for your vehicles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most auto insurance policies.

Liability – Liability insurance will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t 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 limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as court costs, medical expenses, legal defense fees, structural damage and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, a broken windshield and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for bills for nursing services, EMT expenses and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Jeep Grand Cherokee.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage – Collision insurance will pay to fix damage to your Grand Cherokee from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, sustaining damage from a pot hole, scraping a guard rail, driving through your garage door and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.