How Much Does 2008 Jeep Grand Cherokee Insurance Cost?

I really doubt anyone likes buying insurance coverage, particularly when it costs too dang much. You have multiple auto insurance companies to purchase coverage from, and even though it’s nice to have a selection, it can be more challenging to compare company pricing.

Finding insurance

There are several ways to compare insurance quotes, and some are more efficient than others. You can spend your afternoon discussing policy coverages with agents in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Many popular insurance companies enroll in a system that enables customers to send in one quote, and each company then gives them pricing based on that data. This eliminates the need for form submissions to each company. To compare rates using this form now click here to open in new window.

The only drawback to using this type of form is you cannot specify which carriers to get pricing from. So if you prefer to choose from a list of companies to compare prices, we have a listing of low cost insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make sure you are using exactly the same information on every price quote you get. If you compare higher or lower deductibles it will be next to impossible to make a fair rate comparison.

Verify you’re applying every discount

Car insurance is not an enjoyable expense, but companies offer discounts to reduce the price significantly. Many discounts should be triggered when you quote, but some discounts are required to be specially asked for before they will apply.

  • Employee of Federal Government – Active or former government employment may qualify for a discount when you quote auto insurance on Grand Cherokee insurance with certain companies.
  • Responsible Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on Grand Cherokee insurance than less cautious drivers.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Discount for Low Mileage – Fewer annual miles on your Jeep may allow you to get discounted premium rates on garaged vehicles.
  • Accident Forgiveness – Not a discount per se, but companies like Libery Mutual, GEICO and Allstate will turn a blind eye to one accident without raising rates so long as you are claim-free prior to being involved in the accident.
  • Claim-Free Discount – Insureds with no claims or accidents can save substantially in comparison with policyholders that have many claims.
  • Student in College – Any of your kids who attend college more than 100 miles from home and won’t have access to an insured vehicle could qualify for this discount.
  • Policy Bundle Discount – If you can combine your homeowners and auto policy with one company they may give you a discount of at least 10 to 15 percent or more.
  • Telematics Devices – Drivers that enable their insurance company to track their driving habits by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they show good driving skills.

As a sidenote, most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, that’s just not realistic.

Larger car insurance companies and a partial list of their discounts can be read below.

  • Progressive has savings for multi-vehicle, multi-policy, homeowner, online quote discount, continuous coverage, and online signing.
  • MetLife includes discounts for multi-policy, accident-free, good student, good driver, and defensive driver.
  • Mercury Insurance may include discounts for low natural disaster claims, age of vehicle, good student, multi-car, professional/association, annual mileage, and accident-free.
  • Nationwide policyholders can earn discounts including business or organization, anti-theft, family plan, defensive driving, accident-free, Farm Bureau membership, and good student.
  • GEICO offers discounts for five-year accident-free, daytime running lights, military active duty, driver training, seat belt use, and multi-policy.
  • AAA offers discounts including multi-car, good driver, education and occupation, AAA membership discount, multi-policy, anti-theft, and good student.

If you need lower rates, check with all the companies which discounts they offer. Some of the earlier mentioned discounts might not apply in your area. To choose providers who offer discounts, follow this link.

When should I discuss my situation with an agent?

When choosing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might point out whether you might need an agent’s assistance.

  • At what point should I drop full coverage?
  • When should I remove comp and collision on my 2008 Jeep Grand Cherokee?
  • Is my dog or cat covered if injured in an accident?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need motorclub coverage?
  • Am I insured when driving a different vehicle?
  • What is PIP insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance 101

Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types available from auto insurance companies.

Coverage for collisions

This coverage pays for damage to your Grand Cherokee resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, driving through your garage door, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills like nursing services, chiropractic care, surgery and EMT expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers you and your occupants as well as 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

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Jeep Grand Cherokee.

Since 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. Usually these limits are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, fire damage, rock chips in glass and damage from flooding. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability coverage provides protection from damage that occurs to a person or their property. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like repair bills for other people’s vehicles, attorney fees, repair costs for stationary objects and pain and suffering. How much coverage you buy is your choice, but consider buying as much as you can afford.