2004 Jeep Grand Cherokee Insurance Cost

Have you had enough of not being able to afford each month for auto insurance? Your situation is no different than most other drivers. Since you have so many insurance providers from which to choose, it is very difficult to pick a lower cost auto insurance company.

Locating the cheapest protection is not that difficult. If you have a policy now or are looking for a new policy, you will benefit by learning to get lower rates while maintaining coverages. Drivers just need to understand the tricks to shop their coverage around on the web.

The quickest method we recommend to compare policy rates is to realize almost all companies actually pay money for the chance to quote your coverage. To start a quote, the only thing you need to do is provide a small amount of information including if you have a valid license, your general credit rating, whether you are single or married, and if you require a SR-22. Those rating factors is instantly submitted to many different companies and you receive quotes instantly.

Do drivers who switch really save $384 a year?

Drivers can’t avoid all the ads that promise big savings for switching by Progressive, Allstate and Geico. All the companies try to convey promises that you can save if you get a free insurance quote and switch your coverage.

How can each company charge lower premium rates? You have to listen carefully.

All the different companies have specific guidelines for the right customer that will most likely be profitable. An example of a profitable insured might have to be between the ages of 40 and 55, owns a home, and insures a new vehicle. Any customer that meets those criteria will get low premium rates and will also save if they switch.

People who may not quite match those criteria will be quoted more expensive rates which results in the customer buying from a different company. The ads state “customers that switch” not “everyone who quotes” can get the lowest rates when switching. That’s why insurance companies can confidently make the claims of big savings.

Because each company has a different risk profile, drivers must compare rate quotes every year. It’s impossible to know which auto insurance company will have the lowest rates.

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Discount auto insurance quotes

Auto insurance is not cheap nor is it fun to buy but you might find some hidden discounts to reduce the price significantly. A few discounts will be applied when you quote, but lesser-known reductions have to be manually applied before being credited.

• Student Discounts – Excelling in school can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
• Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes can avoid accidents and the ABS can save up to 10%.
• Renewal Discounts – A few larger companies offer discounts for renewing your policy prior to the expiration date on your current policy. You could save around 10% when you buy insurance online.
• Organization Discounts – Joining a professional or civic organization may earn a discount when getting a insurance quote.
• Distant College Student Discount – Older children who are attending college and leave their car at home may be insured at a cheaper rate.
• Multi-policy Discount – When you have multiple policies with one insurance company you could save up to 20% and get you low cost insurance.
• Waiver for an Accident – Not a discount per se, but some companies like Allstate, Progressive, and Geico will allow you to have one accident without the usual rate increase if you have no claims prior to the accident.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up before driving can save a little off the personal injury premium cost.
• Defensive Driver – Participating in a course that instructs on driving safety may get you a small discount depending on where you live.

Please keep in mind that many deductions do not apply to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you could get a free auto insurance policy, auto insurance companies aren’t that generous.

Some of the insurance companies that may offer these money-saving discounts include:

• State Farm
• Nationwide
• Geico
• AAA
• 21st Century
• The Hartford

When comparing rates, check with every prospective company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered in your area. To choose auto insurance companies that offer the discounts shown above, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions can aid in determining if you would benefit from an agent’s advice.

• If my pet gets injured in an accident are they covered?
• Do I really need UM/UIM coverage?
• What is UM/UIM insurance?
• Do I need to file an SR-22 for a DUI in my state?
• Why am I be forced to buy a membership to get insurance from some companies?
• Am I insured when driving a different vehicle?
• Can I afford to pay high deductible claims out of pocket?
• What discounts do I qualify for?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are the usual coverages offered by car insurance companies.

Collision coverage protection

Collision insurance pays for damage to your Grand Cherokee from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as scraping a guard rail, colliding with a tree, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Jeep Grand Cherokee.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Auto liability

Liability insurance protects you from damage that occurs to people or other property that is your fault. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like court costs, emergency aid, medical services and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, hail damage, rock chips in glass, damage from a tornado or hurricane and a broken windshield. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for pain medications, rehabilitation expenses, X-ray expenses, funeral costs and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

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Compare but don’t skimp

As you prepare to switch companies, make sure you don’t buy poor coverage just to save money. There have been many situations where someone sacrificed liability coverage limits only to find out they didn’t have enough coverage. Your aim should be to purchase plenty of coverage at the best price but still have enough coverage for asset protection.

We just covered a lot of ways to save on 2004 Jeep Grand Cherokee insurance. The key thing to remember is the more rate comparisons you have, the better likelihood of getting low cost insurance. You may even discover the lowest prices are with a small mutual company. They may have significantly lower rates on certain market segments than their larger competitors like State Farm or Progressive.

To learn more, take a look at the following helpful articles:

• Red Light Cameras (State Farm)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)
• State Car Insurance Guides (Geico)

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