Are you a victim of an overpriced car insurance policy? Trust us when we tell you there are lots of people in the same boat.
Online insurance companies like GEICO, Progressive and Allstate all claim big savings, bombarding you with fancy advertisements and it can be hard to see through the cute green geckos and mayhem and find the best price available.
It’s smart to price shop coverage every six months due to the fact that insurance rates tend to go up over time. Even if you think you had the lowest rates on Grand Cherokee insurance six months ago other companies may now be cheaper. Forget all the misinformation about car insurance because we’re going to demonstrate how to use the internet to find better coverage at a better price.
Properly insuring your vehicles can get expensive, but there are discounts available that can drop the cost substantially. Certain discounts will be applied when you complete an application, but a few need to be asked for before you will receive the discount.
It’s important to note that most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. But any discount will cut your premiums.
To see a list of insurers with discount car insurance rates, click here.
There are several ways to compare rate quotes from local car insurance companies. The easiest way to compare 2010 Jeep Grand Cherokee insurance prices consists of shopping online. This can be done in just a few minutes using one of these methods.
It’s up to you which method you use, but ensure you’re using the exact same coverage information for each price quote. If the quotes have different values for each quote you will not be able to make a fair comparison for your Jeep Grand Cherokee. Just a small difference in coverage limits can mean a large discrepancy in price. It’s important to know that obtaining a wide range of quotes will increase your chances of finding the best price.
Smart consumers have a good feel for some of the elements that help determine the price you pay for insurance. Understanding what determines base rates empowers consumers to make smart changes that could result in big savings.
When buying the best insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that might help in determining if your situation could use an agent’s help.
If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.
Knowing the specifics of your car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be ambiguous and reading a policy is terribly boring. These are typical coverages found on most car insurance policies.
Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as falling objects, rock chips in glass, damage from a tornado or hurricane, vandalism and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Coverage for liability – Liability coverage will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from claims by other people, 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. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage protects against claims like repair costs for stationary objects, structural damage, loss of income, pain and suffering and funeral expenses. How much liability coverage do you need? That is your choice, but buy higher limits if possible.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2010 Jeep Grand Cherokee.
Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Collision – Collision coverage pays for damage to your Grand Cherokee from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like crashing into a building, sustaining damage from a pot hole, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.
Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for bills for things like ambulance fees, chiropractic care, rehabilitation expenses and EMT expenses. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped collision coverage only to find out they didn’t have enough coverage. Your goal should be to purchase plenty of coverage for the lowest price.
Low-cost 2010 Jeep Grand Cherokee insurance is definitely available online in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not provide online quoting and many times these small, regional companies only sell through independent insurance agents.