2010 Jeep Grand Cherokee Insurance Cost

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.

Save money by taking advantage of these discounts

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.

  • Student Driver Training – Have your child enroll in driver’s education in school.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Discount for Swiching Early – A few companies offer discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on Grand Cherokee insurance than less cautious drivers.
  • Safety Course Discount – Completing a driver safety course could save 5% or more depending on where you live.
  • No Claims – Claim-free drivers can earn big discounts as compared to bad drivers.

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.

Car Insurance Quote Comparison

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.

  1. The most efficient way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This form eliminates the need for repetitive form entry to each individual car insurance company. One simple form will get you price quotes from all major companies.
  2. A slightly less efficient method to find lower rates is to take the time to go to each company’s website to complete a price quote. For example, let’s assume you want to compare rates from State Farm, Esurance and GEICO. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
  3. The hardest way of comparing rate quotes is to waste gas driving to and from local insurance agencies. Shopping for car insurance online makes this process obsolete unless you require the personal advice only provided by licensed agents. You can, however, get the lowest quotes online and get advice from an agent in your area and we’ll talk about that later.

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.

Factors determining your Jeep Grand Cherokee insurance premium

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.

  • Never go without insurance – Having an insurance coverage lapse will be a quick way to bump up your insurance costs. Not only will rates go up, but not being able to provide proof of insurance will get you a revoked license or a big fine.
  • Safer cars cost less to insure – Safer cars get lower rates. Safer cars have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If the Jeep Grand Cherokee earned at least four stars on Safercar.gov you are probably receiving a discount.
  • More claims means more premium – Auto insurance companies provide better rates to insureds who file claims infrequently. If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Car insurance is intended to be relied upon for the large, substantial claims.
  • Your car’s features help determine rates – Choosing a vehicle with an alarm system can help lower your rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • Liability coverage is cheap – Your policy’s liability coverage is the protection when a court rules you are at fault for damages from an accident. Liability provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Your stress level may be raising your rates – Did you know that where you work can have an impact on rates? Occupations like judges, business owners and financial analysts tend to pay higher average rates because of stressful work requirements and lengthy work days. Conversely, occupations like scientists, engineers and performers have the lowest average rates on Grand Cherokee insurance.

When should I use an insurance agent?

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.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I have a commercial auto policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I waive the damage coverage when renting a car?
  • Is a fancy paint job covered?
  • Do I need PIP coverage since I have good health insurance?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered if I drive in a foreign country?
  • Should I buy more coverage than the required minimum liability coverage?

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.

Car insurance specifics

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

Stretch your dollar

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.

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