Did you make the mistake of buying overpriced car insurance? Believe me, there are many people just like you.
Having so many companies to choose from, it is hard for the average consumer to pick the best insurance company.
You need to check car insurance prices every six months since prices are variable and change quite frequently. Even if you think you had the best price on Grand Cherokee insurance a couple years back the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because you’re about to learn how to use online quotes to reduce your cost while improving coverage.
The most recommended method to compare rates is to take advantage of the fact almost all companies participate in a system to compare their rates. All consumers are required to do is provide information like whether you are single or married, whether or not you need a SR-22, the year, make and model of vehicles, and types of safety features. Your insurance information is instantly provided to insurance carriers in your area and you get price estimates quickly.
If you wish to get multiple quotes for your 2000 Jeep Grand Cherokee now, click here and enter your zip code.
Auto insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that can help lower your rates. A few discounts will be applied when you purchase, but occassionally some discounts must be manually applied before you will receive the discount. If you’re not getting every credit possible, you could be saving more on your auto insurance.
As a sidenote, most credits do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will bring down the premium cost.
A list of companies and a summarized list of policyholder discounts are included below.
When quoting, ask all the companies how you can save money. Some of the discounts discussed earlier may not apply to policyholders in your area. For a list of companies with significant discounts, follow this link.
When it comes to buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out whether or not you may require specific advice.
If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.
Having a good grasp of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most car insurance policies.
Comprehensive (Other than Collision)
This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as hitting a bird, damage from flooding, hitting a deer and falling objects. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
This can cover injuries or damage you cause to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.
Liability can pay for claims like court costs, legal defense fees, bail bonds and medical services. How much coverage you buy is up to you, but you should buy as much as you can afford.
Medical expense insurance
Coverage for medical payments and/or PIP kick in for immediate expenses for things like ambulance fees, nursing services, pain medications, rehabilitation expenses and dental work. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your 2000 Jeep Grand Cherokee.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.
Collision coverage pays for damage to your Grand Cherokee from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as colliding with a tree, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.