2002 Jeep Grand Cherokee Car Insurance Rates

Trying to find the cheapest insurance coverage rates for your Jeep Grand Cherokee? Are you tired of trying to scrape together enough money to buy car insurance? You are no different than many other drivers.

Popular companies such as State Farm, Geico and Farmers Insurance constantly blast consumers with TV and radio ads and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

It’s a good habit to shop coverage around occasionally because prices are usually higher with each renewal. Just because you found the lowest price for Grand Cherokee coverage two years ago other companies may now be cheaper. Don’t believe everything you read about insurance coverage online, so by reading this article, you’re going to learn a lot of great tips on how to quit paying high insurance coverage rates.

If you have car insurance now, you will be able to cut costs considerably using this strategy. Finding affordable coverage is easy if you know what you’re doing. But consumers must understand the way insurance companies market on the web and apply this information to your search.

The quickest way to compare insurance rates from multiple companies is to know the fact almost all companies will pay a fee to compare rate quotes. The only thing you need to do is provide information like the ages of drivers, if you went to college, types of safety features, and daily mileage. That information is instantly submitted to many different companies and they provide comparison quotes quickly.

How much can you save with discounts?

Properly insuring your vehicles can get expensive, but you may find discounts to help bring down the price. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • Senior Discount – If you qualify as a senior citizen, you may qualify for better insurance coverage rates for Grand Cherokee coverage.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts could save 15% off your medical payments premium.
  • Organization Discounts – Being a member of certain professional organizations could trigger savings on insurance coverage for Grand Cherokee coverage.

Consumers should know that most of the big mark downs will not be given the the whole policy. Some only reduce individual premiums such as liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will help reduce the amount you have to pay.

To see a list of companies with discount insurance coverage rates, click this link.

How much car insurance do I need?

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might help in determining if your insurance needs may require specific advice.

  • Is my nanny covered when driving my vehicle?
  • Are my tools covered if they get stolen from my vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need motorclub coverage?
  • Am I covered when using my vehicle for business?
  • Do I need roadside assistance coverage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverages for a 2002 Jeep Grand Cherokee

Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Jeep Grand Cherokee.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, theft, vandalism and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like EMT expenses, prosthetic devices, X-ray expenses, hospital visits and ambulance fees. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability coverages – This coverage will cover damage or injury you incur to other’s property or people. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like court costs, funeral expenses, pain and suffering and attorney fees. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Collision coverages – This pays for damage to your Grand Cherokee resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, damaging your car on a curb, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

One last thing about your coverage

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice physical damage coverage only to find out they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at the best price.

Throughout this article, we presented many ways to get a better price on 2002 Jeep Grand Cherokee insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the biggest savings come from the smaller companies. They may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

Lower-priced insurance can be found on the web in addition to many insurance agents, so you should compare both to have the best selection. Some companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

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