2001 Jeep Grand Cherokee Insurance Quotes – 10 Tips for Cheaper Rates

Finding the cheapest insurance for your Jeep Grand Cherokee could be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to buy car insurance and we’ll show you the quickest way to price shop coverage for a Jeep and find the lowest price.

You probably qualify for some discounts

Car insurance can cost a lot, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied at the time of quoting, but less common discounts must be specially asked for in order for you to get them. If you aren’t receiving every discount available, you are paying more than you should be.

  • Student Driver Training – Require your teen driver to enroll in driver’s education in high school.
  • Organization Discounts – Participating in certain professional organizations may earn a discount on insurance for Grand Cherokee insurance.
  • Homeowners Pay Less – Owning a house may trigger a insurance policy discount because owning a home is proof that your finances are in order.
  • Life Insurance Discount – Larger companies have a break if you buy auto and life insurance together.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Accident Waiver – Some insurance companies allow you one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Low Mileage – Fewer annual miles on your Jeep could qualify for better rates on cars that stay parked.
  • Save over 55 – Older drivers may receive a discount up to 10% for Grand Cherokee insurance.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.

Drivers should understand that some credits don’t apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. So when it seems like adding up those discounts means a free policy, companies don’t profit that way. But any discount will help reduce the amount you have to pay.

To see a list of insurance companies offering insurance discounts, click here to view.

There’s no such thing as the perfect policy

When it comes to buying proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions might point out if your situation might need an agent’s assistance.

  • Do I need more liability coverage?
  • Am I covered if I break a side mirror?
  • Can I still get insurance after a DUI?
  • What is roadside assistance coverage?
  • Who is covered when they drive my 2001 Jeep Grand Cherokee?
  • Does coverage extend to a rental car in a foreign country?
  • Is my Jeep Grand Cherokee covered if I use it for business?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my state a no-fault state?
  • When should I remove comp and collision on my 2001 Jeep Grand Cherokee?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

The fine print in car insurance ads

Consumers can’t get away from ads that promise big savings from the likes of State Farm, Allstate and GEICO. They all seem to make an identical promise that you’ll save big if you change your coverage to them.

How do they all make almost identical claims?

Insurance companies can use profiling for the type of customer that is profitable for them. A good example of a profitable customer might be between the ages of 40 and 55, has no tickets, and chooses high deductibles. A customer getting a price quote who matches those parameters will qualify for the lowest rates and most likely will save a lot of money.

Potential insureds who fall outside this ideal profile will have to pay higher premiums and ends up with business not being written. The ads state “customers that switch” not “everyone that quotes” save that kind of money. That’s why companies can advertise the way they do.

Because of the profiling, drivers must compare many company’s rates. It’s impossible to know the company that will give you the biggest savings on Jeep Grand Cherokee insurance.

Auto insurance coverage information

Understanding the coverages of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Jeep Grand Cherokee.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills for things like ambulance fees, doctor visits, X-ray expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and 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 can be used in place of medical payments coverage

Comprehensive auto coverage

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, hitting a deer and hitting a bird. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance

Liability coverage provides protection from damage or injury you incur to people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like attorney fees, repair costs for stationary objects, structural damage, court costs and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Collision coverage

This pays for damage to your Grand Cherokee from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a ditch, colliding with a tree, hitting a mailbox, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

A fool and his money are soon parted

Discount 2001 Jeep Grand Cherokee insurance can be bought both online in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not provide online quoting and most of the time these smaller companies sell through independent agents.

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There are many occasions where consumers will sacrifice liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at the best price.

We just presented quite a bit of information on how to get a better price on insurance. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the best prices are with some of the lesser-known companies.

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