2008 Jeep Grand Cherokee Car Insurance Quotes – 10 Policy Discounts

Nobody I know looks forward to paying for auto insurance, especially when they are paying too much.

Many car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurer to get the lowest price

If you currently have car insurance, you will most likely be able to reduce your rates substantially using this information. Buying car insurance is quite easy. But vehicle owners must comprehend how companies price online insurance because it can help you find the best coverage.

How to Compare Insurance Quotes

To find the best insurance prices, there are several ways to get quotes from insurance companies in your area. The recommended way to find the lowest 2008 Jeep Grand Cherokee rates is to perform an online rate comparison. It is quite easy and can be accomplished using a couple different methods.

1. The best way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating repetitive form submissions for each company. One simple form gets you price quotes direct from many companies.
2. A less efficient way to analyze rates consists of visiting each company’s website to complete a price quote. For instance, let’s say you want comparison quotes from Allstate, State Farm and Farmers. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

   For a list of links to insurance companies in your area, click here.

Whichever way you use, make absolute certain that you use apples-to-apples deductibles and coverage limits with each company. If you are comparing mixed coverages it will be next to impossible to determine which rate is truly the best. Quoting even small variations in coverages can result in a big premium difference. And when comparing insurance rates, know that getting more free quotes helps locate a better price.

Save big with these ten discounts

Car insurance companies don’t always advertise every discount very clearly, so we researched both the well known and the more hidden ways to save on car insurance.

• Government Employees – Simply working for the federal government can earn a discount up to 10% on Grand Cherokee coverage with select insurance companies.
• Life Insurance Discount – Some companies give a discount if you purchase life insurance.
• Service Members Pay Less – Being on active duty in the military can result in better rates.
• Fewer Miles Equal More Savings – Keeping the miles down on your Jeep could qualify for lower rates on the low mileage vehicles.
• Defensive Driver – Completing a course in driver safety could cut 5% off your bill depending on where you live.
• Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Grand Cherokee coverage than their less cautious counterparts.
• No Claims – Drivers who don’t have accidents can earn big discounts when compared with accident-prone drivers.
• Own a Home – Simply owning a home can help you save on car insurance because of the fact that having a home requires personal responsibility.
• Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
• Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

Consumers should know that most discount credits are not given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of insurance companies with discount car insurance rates, click here to view.

But I don’t know anything about car insurance

When it comes to choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that For example, these questions could help you determine if you could use an agent’s help.

• What if I owe more than I can insure my car for?
• How much liability insurance is required?
• Am I covered when pulling a rental trailer?
• Should I get collision insurance on every vehicle?
• Are rock chip repairs covered?
• Do I need more liability coverage?
• Do I need special endorsements for business use of my vehicle?

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

Car insurance coverages explained

Understanding the coverages of car insurance 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 the normal coverages found on most car insurance policies.

Liability – Liability coverage provides protection from injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as loss of income, court costs, structural damage, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Comprehensive car insurance – This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, hitting a bird and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Grand Cherokee.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, hitting a parking meter, crashing into a ditch, rolling your car and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for chiropractic care, prosthetic devices and funeral costs. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible