1997 Jeep Grand Cherokee Car Insurance Quotes – 5 Tips for Cheaper Rates

Searching for better insurance rates for your Jeep Grand Cherokee? Overpriced Jeep Grand Cherokee insurance can dwindle your personal savings and put the squeeze on your family’s finances. Comparison shopping is free and is an excellent way to tighten up your finances.

Popular companies such as Allstate and Progressive all promote huge savings with ad campaigns and consumers find it hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

It’s a good idea to do rate comparisons at least once a year due to the fact that insurance rates change regularly. If you had the best price on Grand Cherokee coverage a year ago a different company probably has better rates today. There is too much inaccurate information about insurance online, so we’re going to give you some excellent ideas to quit paying high insurance rates.

How to Lower Your Auto Insurance Cost

There are a variety of methods to compare 1997 Jeep Grand Cherokee auto insurance quotes, but there is one way that is less time-consuming than others. You could spend the better part of a day talking to agents in your area, or you could save time and use online quotes to quickly compare rates.

Many companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and at least one company can give them a price based on that data. This system prevents you from having to do repetitive form submissions for each company.

To fill out one form to compare multiple rates now click to open in new window.

The one disadvantage to using this type of form is you can’t choose which companies you will receive quotes from. If you prefer to choose individual companies to compare, we have a listing of auto insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just ensure you are comparing identical deductibles and coverage limits on every quote you get. If your comparisons have differing limits you will not be able to truly determine the lowest rate. Just a small difference in insurance coverages could mean much higher rates. Keep in mind that getting more free quotes helps locate lower pricing.

When should I talk to an agent?

When buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions can help discover whether your personal situation would benefit from professional advice.

  • When would I need rental car insurance?
  • Am I covered when delivering products for my home-based business?
  • What is medical payments coverage?
  • Is my 1997 Jeep Grand Cherokee covered for smoke damage?
  • Do I need roadside assistance coverage?
  • What if I total my 1997 Jeep Grand Cherokee and owe more than it’s worth?
  • Can my teen driver be rated on a liability-only vehicle?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance coverages

Knowing the specifics of your insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on most insurance policies.

Liability coverages

This coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as legal defense fees, medical expenses, structural damage and emergency aid. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for expenses for things like rehabilitation expenses, prosthetic devices and dental work. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, theft, hitting a deer, falling objects and fire damage. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance pays for damage to your Grand Cherokee resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, colliding with another moving vehicle, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Jeep Grand Cherokee.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.