1993 Jeep Grand Cherokee Car Insurance Rates – 9 Tips to Save

Looking for lower car insurance rates for your Jeep Grand Cherokee? Are you a victim of overpriced car insurance? Trust us, there are many people just like you.

Drivers have so many insurance companies to choose from, and though it is a good thing to be able to choose, having more auto insurance companies makes it harder to find the lowest cost provider.

It’s a good idea to shop coverage around quite often because insurance rates tend to go up over time. Even if you got the lowest rates on Grand Cherokee insurance two years ago you may be paying too much now. Block out anything you think you know about car insurance because we’re going to demonstrate how to use the internet to find better coverage at a better price.

Buying car insurance is quite easy. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. But vehicle owners benefit from understanding the methods companies use to price online insurance.

Compare Quotes for Car Insurance

All the larger car insurance companies allow you to get price estimates on the web. Getting online quotes doesn’t take a lot of time as you simply enter your personal and coverage information as detailed in the form. After you submit the form the company’s rating system obtains credit information and your driving record and gives you a price quote based on these and other factors. Online quotes makes it a lot easier to compare rates but having to visit multiple sites and complete many quote forms is repetitive and time-consuming. But it’s absolutely necessary to do this in order to find the lowest possible prices on car insurance.

The quickest way to get multiple rate quotes utilizes a single form to get prices from a bunch of companies at once. It saves time, requires less work, and makes online price comparison much more enjoyable and efficient. As soon as you send your information, it is rated with multiple companies and you can pick any of the price quotes you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process takes 15 minutes at the most and could lower your rates considerably.

To quickly use this form to compare rates, click here to open in a new tab and enter your information. To compare your current rates, we recommend you copy coverages and limits exactly as they are listed on your policy. Doing this assures you are getting a fair comparison for similar insurance coverage.

Lots of discounts mean lots of savings

Car insurance companies do not advertise all available discounts very well, so we researched some of the best known and the harder-to-find discounts you could be receiving.

  • Multi-car Discount – Having more than one vehicle on one policy may reduce the rate for each vehicle.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks simply for signing online.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Payment Method – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Defensive Driving Course – Successfully completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for better insurance coverage rates on Grand Cherokee insurance.
  • College Student – Children who are attending college and don’t have a car can be insured at a reduced rate.
  • One Accident Forgiven – Certain companies permit an accident before your rates go up if your claims history is clear prior to the accident.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts of 20% or more.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way.

Companies that may offer some of the above discounts may include but are not limited to:

It’s a good idea to ask each company what discounts are available to you. Discounts may not apply everywhere.

Situations that might require an agent

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether or not you would benefit from professional advice.

  • How can I get my company to pay me more for my totalled car?
  • What is the minimum liability in my state?
  • Do I benefit by insuring my home with the same company?
  • What are the financial responsibility laws in my state?
  • At what point should I drop full coverage?
  • Do I need special endorsements for business use of my vehicle?
  • If my 1993 Jeep Grand Cherokee is totaled, can I afford another vehicle?
  • Which companies will insure high-risk drivers?
  • How high should deductibles be on a 1993 Jeep Grand Cherokee?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Detailed coverages of your auto insurance policy

Learning about specific coverages of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages offered by auto insurance companies.

Comprehensive coverages

Comprehensive insurance coverage 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 can pay for claims such as hail damage, fire damage, vandalism and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage

This coverage can cover damage or injury you incur to people or other property in an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for claims like medical services, pain and suffering, legal defense fees, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Coverage for collisions

This will pay to fix damage to your Grand Cherokee from colliding 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 claims such as crashing into a ditch, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for medical payments

Med pay and PIP coverage pay for bills for surgery, funeral costs, pain medications and nursing services. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

The best insurance company isn’t always the cheapest

In this article, we covered many ways to reduce 1993 Jeep Grand Cherokee insurance prices online. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with a lesser-known regional company. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.

When trying to cut insurance costs, make sure you don’t skimp on coverage in order to save money. In many cases, someone sacrificed physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at an affordable rate while still protecting your assets.

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