Cheapest 2006 Jeep Grand Cherokee Insurance Rates in 2023
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UPDATED: Dec 3, 2021
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Having to pay for overpriced insurance can empty your checking account and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. Many insurers vie for your insurance dollar, so it’s not easy to compare every provider to find the absolute lowest rate possible.
Consumers need to compare rates at least once a year since insurance rates fluctuate regularly. Despite the fact that you may have had the lowest rates for Grand Cherokee insurance on your last policy a different company probably has better rates today. So block out anything you think you know about insurance because we’re going to show you the only way to remove unneeded coverages and save money.
If you have a policy now or need a new policy, you can use this information to shop for the lowest rates and still get good coverage. Finding the best rates is not rocket science. Consumers only need to know the proper methods to get comparison rates online.
The most recommended method to compare insurance rates in your area utilizes the fact most insurance companies allow for online access to provide you with a free rate quote. The one thing you need to do is provide a little information like your general credit rating, what you do for a living, if a SR-22 is required, and the year, make and model of vehicles. Those rating factors is instantly submitted to many highly-rated insurers and they respond with quotes within a short period of time.
To check rates for your 2006 Jeep Grand Cherokee, click here and see if a lower rate is available.
Pay less for 2006 Jeep Grand Cherokee insurance
Car insurance companies don’t necessarily list all available discounts in a way that’s easy to find, so we took the time to find some of the best known as well as the least known ways to save on car insurance. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.
- Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Defensive Driving Course – Completing a driver safety course could save 5% or more and easily recoup the cost of the course.
- Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
- Good Student – Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
- Discount for New Cars – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, you’re out of luck.
Insurance companies who might offer some of the above discounts may include but are not limited to:
- American Family
- Farmers Insurance
- State Farm
Check with each insurance company which discounts they offer. Discounts may not apply everywhere.
Your Jeep Grand Cherokee insurance rate is a complex equation
Consumers need to have an understanding of the factors that go into determining your insurance coverage rates. Knowing what controls the rates you pay helps enable you to make changes that could result in much lower annual insurance costs.
Listed below are a few of the “ingredients” that factor into premiums.
- Your stress level may be raising your rates – Occupations like doctors, business owners and stock brokers tend to pay the highest rates attributed to high stress and lots of time spent at work. On the other hand, professions such as actors, students and retirees have the lowest average rates for Grand Cherokee insurance.
- Do you know you’re credit rating? – Having a bad credit score is a large factor in your rate calculation. So if your credit score is lower than you’d like, you could pay less to insure your 2006 Jeep Grand Cherokee by improving your rating. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.
- One company can mean more discounts – Many insurance companies will award you with lower prices to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even if you’re getting this discount you still need to compare rates to verify if the discount is saving money.
- Your location is important – Being located in small towns and rural areas is a positive aspect when insuring your vehicles. Drivers in populated areas tend to have more traffic problems and a longer drive to work. Less people living in that area means fewer accidents as well as less vandalism and auto theft.
- Battle of the sexes – Statistics show that men are more aggressive behind the wheel. However, this does not mean women are better drivers. They both have accidents in similar numbers, but the males have costlier accidents. They also get more serious tickets like DUI and reckless driving. Teenage male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
Tailor your coverage to you
When buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions may help you determine whether you would benefit from an agent’s advice.
- Do I need replacement cost coverage?
- Am I covered when driving on a suspended license?
- Should I put collision coverage on all my vehicles?
- Why am I be forced to buy a membership to get insurance from some companies?
- Does my liability insurance cover pulling a trailer or camper?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.
Is there truth in advertising?
Consumers can’t ignore all the ads that promise big savings from the likes of 21st Century, Allstate and State Farm. All the companies say the same thing about savings if you change your coverage to them.
How do they all claim to save you money?
All the different companies have a certain “appetite” for the right customer that is profitable for them. For instance, a preferred risk might be between the ages of 30 and 50, owns a home, and drives newer vehicles. Any driver who matches those parameters will qualify for the lowest rates and is almost guaranteed to save quite a bit of money when switching.
Potential insureds who don’t measure up to these standards must pay higher rates and this can result in business going elsewhere. The ads say “customers who switch” but not “drivers who get quotes” save that kind of money. That’s why companies can claim big savings. This illustrates why you absolutely need to compare many company’s rates. It’s not possible to predict the company that will have the lowest Jeep Grand Cherokee insurance rates.
Insurance policy specifics
Learning about specific coverages of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.
Insurance for medical payments
Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like nursing services, doctor visits and EMT expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
This will cover damage that occurs to people or other property. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.
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 liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers things like legal defense fees, medical expenses, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.
Auto collision coverage
This coverage pays for damage to your Grand Cherokee resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as hitting a mailbox, colliding with another moving vehicle, hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like theft, fire damage, damage from getting keyed, rock chips in glass and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Be a smart shopper
You just read a lot of ways to compare 2006 Jeep Grand Cherokee insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. You may even find the most savings is with the smaller companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.
When you buy insurance online, you should never skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.
Additional information can be read on the following sites:
- Electronic Stability Control FAQ (iihs.org)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Distracted Driving Extends Beyond Texting (State Farm)
- Credit Impacts Car Insurance Rates (State Farm)
- Senior Drivers (Insurance Information Insitute)
- Insuring a Leased Car (Insurance Information Insitute)
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