1993 Jeep Grand Wagoneer Car Insurance Cost – 6 Tricks for Cheaper Prices

No one in their right mind enjoys paying for auto insurance, especially knowing their premiums are too high.

Insurance companies such as Geico and Progressive all claim big savings, bombarding you with ad campaigns and it can be hard to sift through the bull and take the time to shop coverage around.

Consumers need to check auto insurance prices once or twice a year since rates fluctuate regularly. If you had the best deal for Grand Wagoneer insurance a year ago a different company probably has better rates today. Starting now, ignore everything you know about auto insurance because you’re about to learn how to use online quotes to properly buy coverages and cut your premium.

How to reduce Jeep Grand Wagoneer insurance rates

The cost of insuring your cars can be expensive, but there are discounts available that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be manually applied before they will apply.

  • Student Driver Training – Have your child enroll in driver’s education if it’s offered in school.
  • Claim Free – Good drivers with no accidents can save substantially compared to drivers who are more careless.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Grand Wagoneer insurance than drivers with accidents.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out a life insurance policy as well.

Consumers should know that most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, car insurance companies aren’t that generous. But all discounts will bring down the amount you have to pay.

Insurance companies that may have these benefits include:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts may not be available in your state.

How to Get Insurance Coverage Comparison Quotes

There are several ways to compare Jeep Grand Wagoneer insurance coverage quotes, but there is one way that is easier and takes less work. You can waste hours driving to insurance agencies in your area, or you could use online quotes to achieve your goal.

Most major companies belong to an insurance system that enables customers to submit one quote, and every company returns a competitive quote based on that data. This system prevents you from having to do quote requests to every company.

To compare pricing click here to open in new window.

The one disadvantage to using this type of form is you are unable to specify which insurance companies to get quotes from. If you wish to select specific providers for rate comparison, we have a page of companies who write insurance coverage in your area. Click to view list.

Which method you use is up to you, but make absolute certain that you use identical coverages and limits on every quote you get. If you have different liability limits it will be next to impossible to determine the best price for your Jeep Grand Wagoneer. Slightly different coverages may result in large price differences. And when quoting insurance coverage, remember that comparing a large number of companies provides better odds of finding a better price.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. These are some specific questions might point out whether your personal situation would benefit from professional advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • Can I afford to pay high deductible claims out of pocket?
  • How high should my medical payments coverage be?
  • Why does it cost so much to insure a teen driver?
  • Does coverage extend to Mexico or Canada?
  • Am I getting all the discounts available?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Are insurance companies telling the truth?

Insurance companies such as State Farm, Geico and Progressive constantly bombard you with ads in print and on television. They all seem to make an identical promise that you’ll save big if you switch your coverage to them. How does each company make almost identical claims?

Insurance companies are able to cherry pick for the right customer that earns them a profit. For instance, a driver they prefer could possibly be between the ages of 30 and 50, has no tickets, and has great credit. A customer who meets those qualifications receives the best rates and as a result will probably cut their rates substantially.

Potential customers who fall outside the “perfect” profile must pay a higher premium and ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “people who quote” save that kind of money. This is how insurance companies can confidently state the savings.

This illustrates why drivers should quote coverage with many companies. It’s just too difficult to predict the company that will fit your personal profile best.

Car insurance coverage considerations

Understanding the coverages of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by car insurance companies.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, falling objects and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages

This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as court costs, medical expenses and structural damage. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Auto collision coverage

Collision coverage covers damage to your Grand Wagoneer resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, crashing into a ditch, driving through your garage door, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for doctor visits, hospital visits, rehabilitation expenses, EMT expenses and ambulance fees. The coverages 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 in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Jeep Grand Wagoneer.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally these coverages do not exceed the liability coverage limits.

The best insurance company isn’t always the cheapest

As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where an insured dropped uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. Your focus should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Throughout this article, we presented some good ideas how you can get a better price on 1993 Jeep Grand Wagoneer insurance. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and Geico.

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