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.
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.
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.
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.
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 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.
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.
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.
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.
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
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 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 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.