There are many options for every Jeep Grand Cherokee driver, including state minimum liability and full coverage.
Full coverage combines liability, collision, and comprehensive. You may also choose to include optional selections like roadside assistance, uninsured/underinsured motorist, personal injury protection (PIP), and medical payments (MedPay) coverage.
Some states require uninsured motorist coverage and PIP.
One of the best things about full coverage is that it provides first-party benefits, not strictly third-party benefits like liability-only offers. For example, collision covers damages due to collision-related events, while comprehensive covers non-collision-related incidents like falling objects, theft, vandalism, hail, and natural disasters.
How much you pay in full coverage depends on several factors, such as the make and model of your vehicle, age, gender, zip code of residence, and driving record.
It is highly recommend that you carry full over a state minimum liability policy. If leasing or financing your vehicle, the finance company may require full coverage to preserve their vehicle’s value better.
State Minimum Liability
All states require a minimum amount of bodily injury and property damage liability.
For example, all California drivers must carry a 15/30/5 ($15,000/$30,000/$5,000) policy versus a 30/60/25 policy for Texas drivers. The first number represents bodily injury liability per person, the second represents part of the injury liability for accident, and the third represents property damage liability per accident.
Keep in mind that minimum liability and required coverages vary by state. For example, Florida requires that its drivers carry $10,000 in personal injury protection (PIP), and California does not.
With a single car accident potentially responsible for more than $40,000 in medical expenses and $60,000 in property damages, a minimum 15/30/5 policy is not enough to avoid out-of-pocket costs.