Compare 2006 Jeep Grand Cherokee Car Insurance Quotes

No one in their right mind is fond of buying insurance coverage, in particular when they are paying too much.

Because you have many insurance providers from which to choose, it can be challenging to locate the right insurer.

Choices you make can impact your insurance premiums

Smart consumers have a good feel for some of the factors that help calculate your premiums. When you know what positively or negatively determines premiums, this helps enable you to make changes that could result in much lower annual insurance costs.

The itemized list below are just a few of the factors used by insurance companies to determine rates.

  • Good credit saves on car insurance – An insured’s credit rating is a large factor in calculating your car insurance rates. If your credit history is low, you could save money insuring your 2006 Jeep Grand Cherokee by taking the time to improve your credit score. People that have good credit tend to be more responsible and file fewer claims as compared to drivers with bad credit.
  • Incidental coverages you don’t need – Insurance companies have many additional extra coverages that can add up but may not be useful. Things like rental car reimbursement, towing coverage, and extra equipment coverage are probably not needed. These coverages may sound good when deciding what coverages you need, but your needs may have changed so get rid of them and save.
  • Do safer cars cost less to insure? – Vehicles that have high safety ratings can get you lower premiums. Safe vehicles help reduce the chance of injuries in an accident and fewer injuries means less claims paid and more competitive rates for policyholders. If your Jeep Grand Cherokee has at least four stars on Safercar.gov you may be receiving a better rate.
  • Teenage vs. mature drivers – Beginning drivers are statistically proven to be easily distracted with other occupants in the car so they pay higher car insurance rates. Adding a beginning driver to your policy can increase premiums substantially. Older, more experienced drivers are proven to be safer behind the wheel, statistically cause fewer accidents and receive fewer citations.
  • Claim-free discounts can add up – Car insurance companies give cheaper rates to insureds who do not file claims often. If you are the type of insured that files lots of claims you can look forward to much higher rates or policy non-renewal. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
  • Being married brings a discount – Being married actually saves money on your car insurance bill. Having a significant other usually means you are less irresponsible and insurance companies reward insureds because married couples file fewer claims.
  • Tickets cost more than a fine – Even one speeding ticket or other violation could increase your next policy renewal by twenty percent. Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Drivers who have dangerous violations like DUI or reckless driving may find that they have to to file a SR-22 with their state motor vehicle department in order to legally drive.
  • Gender impacts costs – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean females are better drivers. Males and females cause fender benders at a similar rate, but guys cause more damage and cost insurance companies more money. Not only that, but men also get cited for more serious violations such as DWI and reckless driving. Teenage male drivers have the highest risk to insure and thus pay the highest rates.

Affordable auto insurance quotes with discounts

Some companies don’t always advertise every possible discount in an easy-to-find place, so we took the time to find some of the best known and also the more inconspicuous credits available to lower your premiums when you buy auto insurance online. If you do not double check each discount possible, you’re just leaving money on the table.

  • Good Drivers – Drivers without accidents can save as much as half off their rates on Grand Cherokee insurance than drivers with accidents.
  • First Accident Forgiveness – but companies like Allstate, State Farm and GEICO will turn a blind eye to one accident before they charge you more for coverage if your claims history is clear for a specific time period.
  • Smart Student Discounts – Getting good grades can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Homeowners Discount – Simply owning a home can save you money since owning and maintaining a home requires personal responsibility.
  • Active Military Service – Being on active duty in the military could be rewarded with lower auto insurance rates.
  • Payment Method – By making one initial payment instead of making monthly payments you can avoid the installment charge.
  • Sign Online – Certain companies may give you up to $50 for signing up on your computer.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company they may give you a discount of up to 20% off your total premium.
  • Driver Safety – Completing a driver safety course is a good idea and can lower rates if you qualify.
  • ABS Brakes – Vehicles with ABS and/or traction control can reduce accidents so companies give up to a 10% discount.

We need to note that most credits do not apply to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. Even though it appears you could get a free auto insurance policy, it’s just not the way it works.

Auto insurance companies who may offer many of the previously listed discounts include:

When comparing rates, check with every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier may not be available in your state. If you would like to view auto insurance companies that offer multiple discounts, click here.

Can you really save if you switch?

Well-known insurance coverage companies like Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. All the ads advertise claims about savings if you get a free auto insurance quote and switch your insurance coverage policy to them. But how can every company make almost identical claims? It’s all in how they say it.

All the different companies can use profiling for a prospective insured that earns them a profit. For instance, a desirable insured could possibly be a female over age 40, is a homeowner, and insures a new vehicle. Anybody that fits those parameters is entitled to the best price and as a result will probably save some money.

People who do not match these criteria may receive a higher rate with the end result being the customer not purchasing. If you listen to the ad wording, they say “customers who switch” not “everyone who quotes” save that much. That’s why insurance companies can confidently make claims like that. That is why drivers should compare free auto insurance quotes often. Because you never know which company will provide the lowest rates.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can aid in determining if your situation could use an agent’s help.

  • What if I owe more than I can insure my car for?
  • How can I get high-risk coverage after a DUI?
  • Can my babysitter drive my car?
  • Who is covered by my policy?
  • Can my teen drive my company car?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What is no-fault insurance?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Parts of your car insurance policy

Learning about specific coverages of car insurance can help you determine the right coverages for your vehicles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most car insurance policies.

Auto collision coverage

Collision insurance pays for damage to your Grand Cherokee caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, rolling your car, scraping a guard rail, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses such as rehabilitation expenses, prosthetic devices, hospital visits, ambulance fees and pain medications. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, 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.

Liability

This protects you from damages or injuries you inflict on people or other property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as medical expenses, legal defense fees and loss of income. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Comprehensive car insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, theft, fire damage, rock chips in glass and hitting a deer. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Buy online or local, you save

A few companies may not have the ability to get a quote online and many times these regional carriers provide coverage only through local independent agencies. Budget-friendly insurance can be bought online as well as from insurance agents, so compare prices from both so you have a total pricing picture.

As you go through the steps to switch your coverage, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, an insured dropped liability coverage limits only to discover later they didn’t have enough coverage. Your aim should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

More detailed insurance information can be found at these sites: