2011 Jeep Grand Cherokee Insurance Quotes

Trying to find the cheapest insurance rates for your Jeep Grand Cherokee? Are you tired of trying to scrape together enough money to insure your Jeep every month? Your situation is no different than many other drivers. Since consumers have many insurance companies to choose from, it is very difficult to choose the most cost effective company.

Finding Insurance Coverage

There are a variety of methods to shop for 2011 Jeep Grand Cherokee insurance coverage, but there is one way that is more efficient than others. You can spend your afternoon talking to local insurance agents in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Many companies belong to a marketplace where prospective buyers enter their coverage request one time, and each participating company returns a competitive quote based on that data. This prevents consumers from doing quotation requests to each individual insurance coverage company.

To participate in this free quote system, click here (opens in new window).

The one disadvantage to getting quotes like this is you cannot specify which carriers you will receive quotes from. If you would rather choose individual companies to request quotes from, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

However you get your quotes, make sure you use the exact same information on every quote. If you use different liability limits it’s not possible to determine the best price for your Jeep Grand Cherokee.

Are you getting all your discounts?

Auto insurance companies don’t always list all available discounts very well, so we took the time to find both the well known and the more hidden ways to save on insurance. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Low Mileage – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Accident Waiver – Certain companies will allow you to have one accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Save over 55 – If you’re over the age of 55, you may qualify for a discount up to 10% on Grand Cherokee insurance.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Discount for Swiching Early – Select companies give a discount for switching policies prior to your current policy expiring. The savings is around 10%.
  • Use Seat Belts – Drivers who require all occupants to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Drive Safe and Save – Safe drivers may save up to 50% more on Grand Cherokee insurance than drivers with accidents.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only reduce specific coverage prices like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.

Companies that may offer these discounts may include but are not limited to:

Double check with all companies you are considering which discounts you may be entitled to. Discounts may not be available in your state.

Tailor your coverage to you

When choosing adequate coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that might point out if you would benefit from an agent’s advice.

  • Is my ex-spouse still covered by my policy?
  • Is my nanny covered when driving my vehicle?
  • Should I waive the damage coverage when renting a car?
  • How much liability insurance is required?
  • Who is covered when they drive my 2011 Jeep Grand Cherokee?
  • Should I have combined single limit or split liability limits?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Jeep Grand Cherokee insurance rates are influenced by…

Consumers need to have an understanding of the different types of things that go into determining auto insurance rates. Understanding what influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.

Listed below are a partial list of the pieces that factor into rates.

  • Better credit scores mean better rates – Your credit rating is a important factor in calculating your auto insurance rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower credit scores. If your credit rating can use some improvement, you could save money insuring your 2011 Jeep Grand Cherokee by improving your rating.
  • Where you reside plays a part – Choosing to live in less populated areas is a positive aspect when insuring your vehicles. Fewer people means fewer accidents as well as less vandalism and auto theft. Drivers in populated areas regularly have more traffic problems and longer commute times. Higher commute times means higher likelihood of an accident.
  • Marriage brings a discount – Having a wife or husband helps lower the price on your auto insurance policy. It usually means you are more mature and it’s proven that being married results in fewer claims.
  • Proper usage rating affects rates – The higher the mileage driven each year the higher your rate. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Cars that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your auto insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money. If your policy improperly rates your Grand Cherokee can cost quite a bit.
  • Too many auto insurance claims drive up costs – Insurance companies award better rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can expect higher rates. Insurance coverage is designed for larger claims.

Coverage specifics

Learning about specific coverages of a car insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages offered by car insurance companies.

Liability insurance

This protects you from damages or injuries you inflict on people or other property that is your fault. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as legal defense fees, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision insurance will pay to fix damage to your Grand Cherokee from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a mailbox, hitting a parking meter, rolling your car, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as prosthetic devices, dental work, EMT expenses, X-ray expenses and pain medications. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as rock chips in glass, theft, vandalism, hitting a deer and falling objects. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Jeep Grand Cherokee.

Because many people carry very low liability coverage 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.

In Summary

Cheaper 2011 Jeep Grand Cherokee insurance is definitely available online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not provide you the ability to get quotes online and these small insurance companies work with independent agents.

While you’re price shopping online, do not skimp on coverage in order to save money. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to discover later that the savings was not a smart move. Your aim should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

Additional detailed information is available in these articles: