How Much Does 2000 Jeep Grand Cherokee Insurance Cost?

Want better car insurance rates? Drivers have many options when trying to find the best price on Jeep Grand Cherokee insurance. They can either spend hours struggling with agents to get rate comparisons or utilize the internet to find the lowest rates. There are more efficient ways to find car insurance online and you need to know the best way to get price quotes for your Jeep and obtain the lowest price from both online companies and local agents.

It’s a good idea to do rate comparisons yearly since insurance rates change regularly. Despite the fact that you may have had the lowest rates on Grand Cherokee insurance a couple years back there is a good chance you can find better rates now. Don’t believe everything you read about car insurance online but we’re going to give you some great ideas on how to buy car insurance cheaper.

The most recommended method to compare insurance rates from multiple companies is to take advantage of the fact most insurance companies pay for the opportunity to quote your coverage. All consumers are required to do is provide a little information including the type of vehicles you drive, your occupation, whether you are single or married, and the ages of drivers. Your details is automatically sent to insurance companies and you should receive rate quotes immediately.

Save $415 a year. For real?

Consumers get pounded daily by advertisements that promise big savings from the likes of State Farm, Geico and Progressive. All the companies make the same claim that you can save if you move your coverage to them.

How can each company claim to save you money?

Different companies have a preferred profile for the driver that is profitable for them. For example, a driver they prefer could be over the age of 50, owns a home, and has excellent credit. A customer that hits that “sweet spot” receives the best rates and most likely will cut their rates substantially.

Potential customers who don’t meet these standards will be quoted a more expensive rate and ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “everybody who quotes” save money. This is how insurance companies can confidently make the claims of big savings. This emphasizes why you should get as many quotes as possible. It is impossible to predict which company will provide you with the cheapest Jeep Grand Cherokee insurance rates.

Jeep Grand Cherokee premiums are determined by many factors

It’s important that you understand the different types of things that go into determining the price you pay for auto insurance. Knowing what determines base rates allows you to make educated decisions that will entitle you to better auto insurance rates.

Listed below are a few of the “ingredients” companies use to determine prices.

  • Marriage brings a discount – Getting married can actually save you money when buying auto insurance. Having a spouse means you’re more mature and statistics show drivers who are married are more cautious.
  • Poor driving leads to higher costs – Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Just one moving violation may increase your cost twenty percent or more. If you have severe violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Men fork out a little more – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women have accidents in similar percentages, but the men cause more damage. Men also statistically get cited for more serious violations such as reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
  • High deductibles save money – Your deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The more expense you’re willing to pay, the less your auto insurance will be on Grand Cherokee insurance.
  • Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Frequent auto insurance claims increase rates – If you file claims often, you can expect either a policy non-renewal or much higher rates. Companies award better rates to insureds who file claims infrequently. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.

Save with discounts on Jeep Grand Cherokee insurance

Companies don’t list all their discounts in a way that’s easy to find, so we researched some of the best known as well as the least known ways to save on car insurance. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings of more than 20%.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on Grand Cherokee insurance with select insurance companies.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Homeowners Savings – Being a homeowner may trigger a car insurance policy discount because maintaining a house shows financial diligence.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more on Grand Cherokee insurance than their less cautious counterparts.
  • Defensive Driver – Successfully completing a driver safety course could save 5% or more if your company offers it.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you may save up to 20% off your total premium.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like all the discounts add up to a free policy, car insurance companies aren’t that generous.

To see a list of insurers who offer car insurance discounts, click here.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique.

For instance, these questions can help discover if your insurance needs may require specific advice.

  • Does insurance cover tools stolen from my truck?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What discounts do I qualify for?
  • Will I lose any money if I cancel my policy before it expires?
  • Who is covered when they drive my 2000 Jeep Grand Cherokee?
  • Is my dog or cat covered if injured in an accident?
  • What are the best liability limits?
  • How can I get high-risk coverage after a DUI?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Car insurance coverage specifics

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Jeep Grand Cherokee.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as funeral expenses, attorney fees and pain and suffering. How much coverage you buy is a personal decision, but buy higher limits if possible.

Insurance for medical payments

Med pay and PIP coverage pay for short-term medical expenses for things like EMT expenses, prosthetic devices, funeral costs, nursing services and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision protection

This pays for damage to your Grand Cherokee caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, rolling your car, hitting a parking meter, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, fire damage, damage from getting keyed, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Find Good Coverage for Less

When you buy insurance online, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability limits or collision coverage only to discover later that it was a big mistake. The aim is to buy the best coverage you can find at the best price while not skimping on critical coverages.

We just presented some good ideas how to save on 2000 Jeep Grand Cherokee insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on insurance is with a small local company.

Affordable insurance can be bought both online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.

Much more information about insurance is available on the following sites: