2008 Jeep Grand Cherokee Insurance Cost – 5 Policy Discounts
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UPDATED: Dec 3, 2021
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Trying to find cheaper insurance rates for your Jeep Grand Cherokee? No one in their right mind enjoys paying for insurance, in particular when they are paying too much.
Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with ads and it is challenging if not impossible to ignore the promise of big savings and find the best price available.
Smart consumers take time to take a look at other company’s rates at least once a year due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you had the lowest price on Grand Cherokee insurance a couple years back you can probably find a lower rate today. Ignore everything you know about insurance because we’re going to demonstrate the fastest way to save money, get proper deductibles and limits, all at the lowest rate.
The quickest method we recommend to compare car insurance rates is to realize most of the larger companies will pay a fee to give rate comparisons. All consumers are required to do is provide information including the type of vehicles you drive, how much you drive, whether or not you need a SR-22, and if you have an active license. Your information is sent automatically to many of the top insurers and you will receive price estimates quickly.
Best discounts on Jeep Grand Cherokee coverage
Companies offering auto insurance don’t necessarily list every available discount very well, so here is a list some of the best known and the more hidden savings tricks you should be using.
- Homeowners Discount – Simply owning a home can help you save on auto insurance because owning a home requires personal responsibility.
- Senior Discount – If you qualify as a senior citizen, you may receive a discount up to 10% on Grand Cherokee insurance.
- Passive Restraint Discount – Cars that have air bags or automatic seat belts can receive discounts of 20% or more.
- Drivers Ed for Students – Have your child take driver’s ed class in school.
- Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
It’s important to understand that most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, you’re out of luck.
A partial list of companies that may offer these money-saving discounts include:
- Auto-Owners Insurance
- American Family
- State Farm
Double check with each company what discounts are available to you. Some discounts might not be offered in your state.
Tailor your coverage to you
When choosing the best car insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different so your insurance should reflect that These are some specific questions may help highlight whether you will benefit from professional help.
- What exactly is covered by my policy?
- Can I drive in Mexico and have coverage?
- Do I have coverage if my license is suspended?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- What should my uninsured motorist coverage limits be in my state?
- When should I not file a claim?
- Do I pay less for low miles?
- Is my Jeep Grand Cherokee covered if I use it for business?
Are insurance companies telling the truth?
Insurance providers like Progressive, Allstate and GEICO constantly bombard you with television and radio advertisements. They all say the same thing that you can save if you switch to their company. How does each company make the same claim?
All the different companies have a certain “appetite” for the type of customer that makes them money. For example, a preferred risk might be profiled as between 30 and 50, owns a home, and chooses high deductibles. A customer getting a price quote who matches those parameters receives the best rates and therefore will save when switching.
Potential insureds who fall outside the requirements will be quoted higher rates and ends up with business not being written. The ads say “customers who switch” not “everyone that quotes” save that much money. That’s why companies can make the claims of big savings. This emphasizes why you need to compare as many rates as you can. It’s impossible to know which insurance company will have the lowest Jeep Grand Cherokee insurance rates.
Insurance coverages and their meanings
Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages found on most insurance policies.
Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for expenses for things like doctor visits, pain medications, EMT expenses and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Jeep Grand Cherokee.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Comprehensive insurance – This pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like a broken windshield, falling objects, theft and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Auto liability – This coverage will cover damage that occurs to a person or their property. This coverage protects you from claims by other people. Liability doesn’t 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. As an example, you may have values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.
Liability insurance covers things like structural damage, medical expenses, loss of income, court costs and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.
Collision – This coverage will pay to fix damage to your Grand Cherokee caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as sustaining damage from a pot hole, backing into a parked car, rolling your car and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.
The best insurance company isn’t always the cheapest
As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at a price you can afford while still protecting your assets.
We covered quite a bit of information on how to compare 2008 Jeep Grand Cherokee insurance prices online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premiums are with an unexpected company. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.
Helpful learning opportunities
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