How Much Does 2005 Jeep Grand Cherokee Insurance Cost?

Drivers have lots of choices when trying to find affordable Jeep Grand Cherokee insurance. They can either spend hours contacting agents to get rate comparisons or save time using the internet to compare rates.

There is a right way and a wrong way to buy insurance coverage and you need to know the quickest way to get price quotes on a Jeep and locate the lowest price.

If you have a current car insurance policy or are looking for a new policy, you can learn to shop for the lowest rates and still get good coverage. The purpose of this post is to let you in on how to get online quotes and some tips to save money. Drivers just need to know the tricks to compare company rates online.

Insurance Prices Online

There are a variety of methods you can shop for 2005 Jeep Grand Cherokee insurance but some are more efficient than others. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you could save time and use the internet to get pricing more quickly.

Many popular insurance companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and each participating company can give them a price for coverage. This system prevents you from having to do form submissions for every insurance company.

To find out how much you’re overpaying now click here (opens in new window).

The only drawback to doing it this way is you are unable to specify the companies you want pricing from. So if you want to select specific providers to compare, we have a page of the cheapest insurance companies in your area. Click here to view list.

Whichever method you choose, make darn sure you compare exactly the same coverage information for every company. If your comparisons have differing limits it’s impossible to determine the best price for your Jeep Grand Cherokee.

Buyer beware of insurance coverage advertising tricks

Drivers constantly see and hear ads that promise big savings by Progressive, Allstate and Geico. They all have a common claim that you’ll save big after switching to their company.

How do they all say the same thing?

Insurance companies can use profiling for the type of driver that is profitable for them. For instance, a desirable insured could possibly be between the ages of 30 and 50, is a homeowner, and has a high credit rating. A customer getting a price quote who fits that profile will get very good rates and therefore will save a lot of money.

Drivers who don’t qualify for this ideal profile must pay more money and this can result in business going elsewhere. The ads state “customers who switch” but not “drivers who get quotes” save money. That’s the way companies can advertise the way they do.

This illustrates why drivers must get as many quotes as possible. Because you never know which company will have the lowest Jeep Grand Cherokee insurance rates.

Lower rates by qualifying for discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be applied at the time of purchase, but some may not be applied and must be specifically requested before you get the savings. If you’re not getting every credit available, you’re just leaving money on the table.

Paperless Signup – Some insurance companies will give a small break for buying your policy over the internet.
College Student – Kids in college who live away from home and do not have a car may qualify for this discount.
Low Mileage Discounts – Keeping the miles down on your Jeep could be rewarded with better rates on cars that stay parked.
Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
Service Members Pay Less – Having a deployed family member may qualify for rate reductions.

It’s important to understand that most discounts do not apply the the whole policy. Most cut individual premiums such as medical payments or collision. Just because you may think you can get free auto insurance, it just doesn’t work that way. Any amount of discount will bring down the cost of coverage.

Car insurance companies that may offer some of the above discounts include:

Double check with each insurance company what discounts are available to you. Savings may not apply in every state.

Car insurance is unique, just like you

When choosing the best insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

Is a blown tire covered by insurance?
Am I covered when driving a rental car?
Is rental equipment covered for theft or damage?
What should my uninsured motorist coverage limits be in my state?
What if I don’t agree with a claim settlement offer?
Can I rate high risk drivers on liability-only vehicles?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance policy specifics

Knowing the specifics of your insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s 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 liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for collisions

This will pay to fix damage to your Grand Cherokee caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, driving through your garage door, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, rock chips in glass and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability

Liability insurance can cover injuries or damage you cause to other people or property. This insurance protects YOU against other people’s claims. 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. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as repair costs for stationary objects, emergency aid, structural damage and court costs. How much coverage you buy is up to you, but you should buy as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for bills for things like rehabilitation expenses, surgery and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

You can do this!

Budget-conscious 2005 Jeep Grand Cherokee insurance is attainable both online in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who do not provide online quoting and many times these smaller companies only sell through independent insurance agents.

You just learned quite a bit of information on how to shop for insurance online. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest priced auto insurance comes from a small mutual company.

Insureds leave their current company for a variety of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, not issuing a premium refund or even questionable increases in premium. It doesn’t matter why you want to switch switching companies is pretty simple and you could end up saving a buck or two.