2010 Jeep Grand Cherokee Insurance Quotes – 8 Tips to Save

Paying for high-priced Jeep Grand Cherokee insurance can overdraw your bank account and put the squeeze on your family’s finances. Doing a price comparison is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Because you have many options, it’s nearly impossible to pick the right company.

The most recommended method to compare car insurance company rates is to take advantage of the fact auto insurance companies will pay a fee to provide you with a free rate quote. To start a quote, the only thing you need to do is provide information including driver details, if the car is leased, marital status, and daily mileage. That rating data is instantly submitted to many different companies and they return quotes instantly to find the best rate.

To find lower rates now, click here and enter the information requested.

Do I need special coverages?

When it comes to buying coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions could help you determine if you would benefit from professional advice.

  • Can my teen drive my company car?
  • Am I covered if I crash into my own garage door?
  • Is a new car covered when I drive it off the dealer lot?
  • Who is covered by my policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my state a no-fault state?
  • Am I getting all the discounts available?

If you’re not sure about those 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 an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverage considerations

Learning about specific coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages offered by insurance companies.

Coverage for collisions

This pays for damage to your Grand Cherokee from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, damaging your car on a curb, scraping a guard rail, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Liability car insurance

Liability coverage provides protection from injuries or damage you cause to people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as attorney fees, pain and suffering, repair bills for other people’s vehicles, bail bonds and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses such as funeral costs, X-ray expenses, rehabilitation expenses, dental work and EMT expenses. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hail damage, a tree branch falling on your vehicle and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers 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.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.