Lower Your 1997 Jeep Grand Cherokee Car Insurance Rates
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UPDATED: May 12, 2022
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Searching for better auto insurance rates for your Jeep Grand Cherokee? Buying the lowest cost auto insurance over the internet can be challenging for consumers not familiar with buying insurance online. With so many choices of companies in the marketplace, how can consumers possibly compare every company to locate the best pricing?
If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this strategy. Finding cheaper coverage can be fairly easy. But vehicle owners can benefit by having an understanding of how companies compete online and apply this information to your search.
Comprehensive Auto Insurance Comparison Quotes
Performing a rate comparison can be a lot of work if you don’t understand the best way to get rate quotes. You could waste a few hours discussing policy coverages with insurance companies in your area, or you can utilize online quoting to get the quickest rates.
Many companies participate in a marketplace where insurance shoppers submit one quote, and each participating company then gives them pricing based on the submitted data. This system prevents you from having to do quote requests to each individual auto insurance company.
To access this free quoting program, click here to start a free quote.
The one downside to pricing coverage this way is buyers cannot specifically choose which companies to get pricing from. If you wish to select specific providers to compare rates, we have a listing of low cost auto insurance companies in your area. View list of insurance companies.
Whichever method you choose, be sure to compare exactly the same deductibles and coverage limits for every company. If you have different values for each quote you will not be able to truly determine the lowest rate. Slightly different coverages can mean a large discrepancy in price. And when comparison shopping, quoting more provides better odds of finding a lower rate.
Discounts can save BIG
Properly insuring your vehicles can get expensive, but there could be available discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but a few must be manually applied before you will receive the discount.
- Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates for Grand Cherokee insurance than drivers with accidents.
- Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
- Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
- Use Seat Belts – Requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
- Auto/Life Discount – Larger companies have lower rates if you buy life insurance.
- Paperwork-free – Certain companies give back up to $50 for buying a policy and signing up online.
- Federal Employees – Active or retired federal employment may qualify you for a discount for Grand Cherokee insurance depending on your company.
- Drive Less and Save – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
- Save with a New Car – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
- Good Student – Getting good grades can save 20 to 25%. The good student discount can last up to age 25.
Keep in mind that some credits don’t apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, you’re out of luck. Any amount of discount will cut your overall premium however.
To see a list of insurance companies offering insurance discounts, click here to view.
Will just any policy work for me?
When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.
For example, these questions might help in determining if your situation would benefit from an agent’s advice.
- What if I total my 1997 Jeep Grand Cherokee and owe more than it’s worth?
- How does medical payments coverage work?
- If my pet gets injured in an accident are they covered?
- What if I don’t agree with a claim settlement offer?
- Am I covered when driving in Canada or Mexico?
- Is my Jeep Grand Cherokee covered if I use it for business?
If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form.
Understanding the coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 1997 Jeep Grand Cherokee.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like hail damage, theft and falling objects. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
This protects you from injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage protects against claims such as medical services, attorney fees, bail bonds and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.
This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like hitting a parking meter, sustaining damage from a pot hole, driving through your garage door, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.
Coverage for medical payments
Med pay and PIP coverage kick in for immediate expenses for nursing services, chiropractic care, X-ray expenses and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible
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