Save on 1995 Jeep Grand Cherokee Insurance Quotes

Looking for cheaper car insurance rates for your Jeep Grand Cherokee? Buying car insurance is not a task drivers relish, but unfortunately it’s required to be legal behind the wheel.

Discounts to lower Jeep Grand Cherokee insurance rates

Insuring your fleet can be pricey, but you may find discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but a few must be asked about before you get the savings.

Low Mileage Discounts – Fewer annual miles on your Jeep could qualify for discounted rates on garaged vehicles.
Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Grand Cherokee coverage than drivers with accidents.
Life Insurance Discount – Some companies give lower rates if you buy life insurance from them.
New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiring. It can save you around 10%.
Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
Payment Method – By paying your policy upfront rather than paying monthly you could save up to 5%.

Keep in mind that most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will cut your premiums.

Insurance companies that may have some of the above discounts include:

Check with each company which discounts they offer. Discounts might not apply in every state.

Tailor your coverage to you

When buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions could help you determine if your insurance needs might need an agent’s assistance.

Does having multiple vehicles earn me a discount?
What is medical payments coverage?
Are my friends covered when driving my 1995 Jeep Grand Cherokee?
Will my rates increase for filing one claim?
Should I file a claim if it’s only slightly more than my deductible?
How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Is there deception in advertising?

Insurance companies such as Allstate and Progressive continually stream television and radio advertisements. They all seem to say the same thing that you’ll save big after switching your coverage to them. But how can every company make the same claim? It’s all in the numbers.

Different companies are able to cherry pick for the right customer that is profitable for them. For instance, a desirable insured could possibly be between 25 and 40, has no tickets, and has excellent credit. A customer who meets those qualifications receives the best rates and is almost guaranteed to save when they switch companies.

Drivers who don’t measure up to the “perfect” profile must pay a higher premium which usually ends up with business not being written. Company advertisements say “customers that switch” not “everyone that quotes” save that kind of money. That’s the way companies can advertise the savings.

This illustrates why drivers should quote coverage with many companies. It’s impossible to know the company that will give you the biggest savings on Jeep Grand Cherokee insurance.

Insurance coverages 101

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for expenses for things like nursing services, rehabilitation expenses, doctor visits and prosthetic devices. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability coverage protects you from damage or injury you incur to other’s property or people. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like attorney fees, emergency aid, medical expenses, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, scraping a guard rail, sideswiping another vehicle, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 1995 Jeep Grand Cherokee.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, fire damage, falling objects, a tree branch falling on your vehicle and hitting a deer. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Make a quick buck

In this article, we covered many tips how you can shop for 1995 Jeep Grand Cherokee insurance online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the lowest priced insurance comes from the smaller companies.

Affordable insurance is available from both online companies in addition to many insurance agents, so compare prices from both so you have a total pricing picture. Some companies do not provide online quoting and most of the time these smaller companies sell through independent agents.

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped liability coverage limits to discover at claim time that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at a price you can afford.