View 2011 Jeep Grand Cherokee Insurance Rates

Shoppers have options when shopping for low-cost Jeep Grand Cherokee insurance. You can either spend your time driving around getting price quotes or leverage the internet to find the lowest rates. There are more efficient ways to find insurance online and we’ll show you the absolute fastest way to price shop coverage for your Jeep and get the lowest possible price from both online companies and local agents.

You need to price shop coverage before your policy renews because rates trend upward over time. Even if you got the lowest price on Grand Cherokee coverage last year a different company probably has better rates today. There is a lot of wrong information about insurance online, so by reading this article, you’re going to learn the best ways to buy insurance cheaper.

Jeep Grand Cherokee premiums are determined by many factors

It’s important that you understand the factors that help determine your car insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that could result in much lower annual insurance costs.

The following are a partial list of the pieces companies use to determine premiums.

  • Men pay higher rates – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. They both are in accidents at about the same rate, but the males cause more damage. They also receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore are the most expensive to insure.
  • Liability coverage is cheap – Liability insurance is the protection if you are found liable for damages caused by your negligence. Liability provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
  • Save money with special equipment – Owning a car with anti-theft technology or alarm system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • Lower miles equals lower premium – The more you drive in a year’s time the higher your rate. The majority of insurers apply a rate determined by how the vehicle is used. Vehicles that are left in the garage qualify for better rates compared to those used for work or business. Verify your car insurance policy shows the correct driver usage. If your policy improperly rates your Grand Cherokee can result in significantly higher rates.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings can get you lower premiums. These vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Jeep Grand Cherokee earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • One company can mean more discounts – Most insurers will award you with lower prices to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. If you currently are using one company, you still need to comparison shop to confirm you are receiving the best rates possible.
  • More claims means more premium – If you file claims often, you can expect higher rates. Companies provide cheaper rates to insureds who are claim-free. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Take advantage of discounts

Auto insurance companies do not list all their discounts in a way that’s easy to find, so we took the time to find both well-publicized and the more hidden savings tricks you should be using. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Senior Citizens – If you’re over the age of 55, you may qualify for a discount up to 10% on Grand Cherokee coverage.
  • Life Insurance – Some companies give better rates if you take out life insurance from them.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Grand Cherokee coverage with a few insurance companies.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Low Mileage Discounts – Keeping the miles down on your Jeep can earn better rates on cars that stay parked.

Keep in mind that some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates it’s possible to get free car insurance, insurance companies aren’t that generous.

For a list of companies offering insurance discounts, click here.

Do insurance companies bend the truth?

Consumers can’t get away from ads for cheaper car insurance by companies like 21st Century, Allstate and State Farm. All the companies make the same claim that you can save after switching to them.

How do they all make the same claim? It’s all in the numbers.

All the different companies are able to cherry pick for the type of driver that is profitable for them. An example of a profitable customer could possibly be between the ages of 30 and 50, has no tickets, and has a high credit rating. A customer getting a price quote that hits that “sweet spot” is entitled to the best price and as a result will probably save a lot of money.

Consumers who don’t measure up to this ideal profile must pay a higher premium and this can result in business going elsewhere. Company advertisements say “drivers who switch” not “people who quote” save money. That is how companies can advertise the way they do. This illustrates why you should get quotes from several different companies. You cannot predict which company will provide you with the cheapest Jeep Grand Cherokee insurance rates.

How to know if you need help

When buying the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.

  • If my pet gets injured in an accident are they covered?
  • Should I have a commercial auto policy?
  • What discounts do I qualify for?
  • Can my teen drive my company car?
  • Does medical payments coverage apply to all occupants?
  • Am I covered if I hit a deer?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance coverages explained

Understanding the coverages of auto insurance helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, rock chips in glass, damage from getting keyed, damage from a tornado or hurricane and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, driving through your garage door, crashing into a building, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills for nursing services, X-ray expenses and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability

Liability coverage protects you from injuries or damage you cause to other people or property that is your fault. This coverage protects you from claims by other people. 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 policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as loss of income, funeral expenses, legal defense fees and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2011 Jeep Grand Cherokee.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Quote often and quote early

In this article, we presented a lot of tips how to reduce 2011 Jeep Grand Cherokee insurance prices online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a small mutual company.

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to regret that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Cheap insurance can be purchased online in addition to many insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

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