1993 Jeep Grand Cherokee Insurance Quotes

Looking for the cheapest auto insurance rates? Shoppers have lots of choices when shopping for the best price on Jeep Grand Cherokee insurance. They can either waste time struggling with agents to compare prices or save time using the internet to get rate quotes. There is a better way to compare auto insurance rates and we’ll show you the best way to price shop coverage for a Jeep and locate the best price possible from local insurance agents and online providers.

If you have insurance now or need new coverage, you can use these techniques to reduce the price you pay and possibly find even better coverage. The purpose of this article is to teach you the best way to quote coverages. Drivers just need to learn the most efficient way to compare company rates on the web.

Your Jeep Grand Cherokee insurance rate is a complex equation

It’s important that you understand some of the elements that help determine your insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that may reward you with lower insurance prices.

The following are some of the items used by your company to calculate rates.

  • Add-on coverages can add up – There are quite a few add-on coverages that can waste your money on your Grand Cherokee policy. Coverages like rental car reimbursement, accident forgiveness and term life insurance are some examples. These may sound like a good investment when talking to your agent, but if they’re wasting money get rid of them and save.
  • Where you live can impact rates – Being located in less populated areas can save you money when it comes to insurance. Drivers in populated areas have to deal with traffic congestion and much longer commute distances. Fewer drivers translates into fewer accidents.
  • The more you drive the more you pay – The more miles you rack up on your Jeep in a year’s time the more you’ll pay to insure your vehicle. Almost all companies rate vehicles based on how the vehicle is used. Vehicles that are left in the garage can get a lower rate compared to those used for work or business. Verify your insurance policy is rated on how each vehicle is driven, because it can save money. Incorrect usage on your Grand Cherokee can result in significantly higher rates.
  • Do you work long hours in a high stress job? – Did you know your insurance rates can be affected by your occupation? Occupations like judges, social workers and financial analysts tend to have higher average rates because of high stress and lengthy work days. Conversely, professions such as pilots, engineers and performers receive lower rates for Grand Cherokee coverage.
  • Protect your assets with liability insurance – The liability section of your policy is the coverage that protects you when you are found to be at fault for damages from an accident. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Multiple policies with one company can save – Most insurance companies will give a discount to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. Even though this discount sounds good, you may still want to compare other company rates to make sure you are getting the best deal.
  • Traffic citations inflate rates – Good drivers tend to pay less for car insurance than their less careful counterparts. Even one speeding ticket can increase rates twenty percent or more. Drivers who have dangerous citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Discounts for married couples – Having a wife or husband can get you a discount on insurance. Having a significant other usually means you are more responsible and statistics show married couples file fewer claims.

Save with discounts on 1993 Jeep Grand Cherokee insurance

Companies don’t necessarily list every discount very clearly, so here is a list both the well known and the harder-to-find discounts you could be receiving. If you’re not getting every credit possible, you are throwing money away.

  • College Student – Kids in college who live away from home and do not have a car may qualify for this discount.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Memberships – Affiliation with a civic or occupational organization could qualify you for a break on insurance for Grand Cherokee coverage.
  • Discount for New Cars – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Student Driver Training – Have your child take driver’s ed class if offered at their school.

Drivers should understand that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, insurance companies aren’t that generous.

Insurance companies that may have these money-saving discounts may include but are not limited to:

It’s a good idea to ask every prospective company what discounts are available to you. Discounts may not be available in your state.

How can Progressive, Allstate and Geico save drivers who switch?

Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of Progressive, Allstate and Geico. They all seem to make the same claim that you’ll save big after switching your coverage to them.

How does each company make almost identical claims?

All companies can use profiling for the driver that makes them money. An example of a driver they prefer could be a mature driver, has no driving citations, and has a high credit rating. A customer that hits that “sweet spot” receives the best rates and as a result will probably save quite a bit of money when switching.

Potential customers who don’t qualify for the “perfect” profile will have to pay a more expensive rate which usually ends up with business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save that much money. This is how companies can make the claims of big savings. Because of the profiling, you absolutely need to get quotes from several different companies. It’s not possible to predict which car insurance company will fit your personal profile best.

Tailor your coverage to you

When buying the best auto insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Is business property covered if stolen from my car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can my babysitter drive my car?
  • Do I need replacement cost coverage on my 1993 Jeep Grand Cherokee?
  • Is a new car covered when I drive it off the dealer lot?
  • Will my insurance pay for OEM parts?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Detailed coverages of your insurance policy

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Collision protection

Collision coverage pays for damage to your Grand Cherokee caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, driving through your garage door, crashing into a ditch, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses for things like X-ray expenses, ambulance fees, funeral costs and surgery. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Liability insurance

This will cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as repair costs for stationary objects, medical expenses, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Jeep Grand Cherokee.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

A little work can save a LOT of money

Low-cost 1993 Jeep Grand Cherokee insurance can be bought from both online companies in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut liability coverage limits only to regret at claim time that it was a big error on their part. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

You just learned a lot of techniques to compare insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the lowest priced car insurance comes from some of the smallest insurance companies.

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