1997 Jeep Grand Cherokee Insurance Quotes

Trying to find lower auto insurance rates for your Jeep Grand Cherokee? Have you fallen victim to overpriced auto insurance? Trust us when we tell you there are many people just like you. Big-name insurance companies like Allstate and Progressive persitently shower you with ad campaigns and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.

It’s smart to check auto insurance prices before your policy renews because prices change quite often. Despite the fact that you may have had the lowest rates for Grand Cherokee insurance on your last policy there may be better deals available now. You’ll find quite a bit of inaccurate information about auto insurance on the internet, so by reading this article, you’re going to learn some great ways to stop overpaying for insurance.

If you have a current car insurance policy or need a new policy, you can follow these tips to shop for the lowest rates while maintaining coverages. Finding the best rates is quite easy. Vehicle owners just need to learn the proper methods to compare company rates online.

Don’t miss these discounts

Insurance can be prohibitively expensive, but you may find discounts to cut the cost considerably. Most are applied when you quote, but less common discounts must be requested specifically in order for you to get them. If you’re not getting every credit possible, you’re paying more than you need to.

  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less for Grand Cherokee insurance than less cautious drivers.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Defensive Driver – Completing a driver safety course can save you 5% or more if you qualify.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Resident Student – Children who are attending college and do not have a car may be able to be covered for less.
  • 55 and Retired – Mature drivers can possibly qualify for better insurance rates for Grand Cherokee insurance.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you may save approximately 10% to 15%.
  • Homeowners Discount – Simply owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.

Keep in mind that most discounts do not apply the the whole policy. Most only cut specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will bring down your premiums.

To see a list of providers offering insurance discounts, click here.

The quickest method we recommend to compare insurance rates in your area is to take advantage of the fact almost all companies will pay a fee to give rate comparisons. The only thing you need to do is spend a couple of minutes providing details including if you’re married, whether or not you need a SR-22, your general credit rating, and distance driven. That rating data is instantly provided to multiple companies and they respond with quotes very quickly.

To compare rates now, click here and find out if you can get cheaper insurance.

Jeep Grand Cherokee rate determination is complex

An important part of buying insurance is that you know the different types of things that go into determining insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with lower insurance prices.

Listed below are a few of the “ingredients” that factor into rates.

  • Always keep insurance in force – Driving your car without having proper coverage can get your license suspended and insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, but not being able to provide proof of insurance may earn you a revoked license or a big fine.
  • Choose a safe vehicle and save – Cars with high safety ratings can get you lower premiums. Safe vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Jeep Grand Cherokee earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Rural vs Urban Areas – Being located in less populated areas is a positive aspect when talking about insurance. City drivers tend to have more traffic problems and a longer drive to work. Fewer drivers means a lower chance of having an accident.
  • Don’t buy coverages you don’t need – There are a lot of extra coverages that can waste your money if you aren’t careful. Insurance for rental car reimbursement, accident forgiveness and term life insurance may be wasting your money. These may sound like a good investment initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Pleasure use saves money – The higher the mileage driven in a year the more you will pay for insurance. Most insurance companies rate vehicles based on how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated Grand Cherokee can result in significantly higher rates. Make sure your insurance declarations sheet shows the correct usage for each vehicle.

When might I need help?

When it comes to buying adequate coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions may help you determine if your insurance needs may require specific advice.

  • Does my 1997 Jeep Grand Cherokee qualify for pleasure use?
  • Does my insurance cover my expensive audio equipment?
  • Where can I find high-risk insurance?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I carry comprehensive and collision coverage?
  • Are my friends covered when driving my 1997 Jeep Grand Cherokee?
  • Will my insurance pay for OEM parts?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Car insurance coverages and their meanings

Understanding the coverages of a car insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages found on most car insurance policies.

Comprehensive coverage (or Other than Collision)

This coverage covers 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 coverage pays for things like fire damage, vandalism, falling objects, damage from flooding and hail damage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses like chiropractic care, hospital visits, surgery and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision protection

This coverage will pay to fix damage to your Grand Cherokee from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, rolling your car, colliding with a tree, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Auto liability

This protects you from damage that occurs to a person or their property by causing an accident. This coverage protects you against other people’s claims, and 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. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like loss of income, court costs, structural damage, bail bonds and emergency aid. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

A tidy conclusion

When you buy insurance online, never reduce needed coverages to save money. Too many times, someone dropped uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Affordable 1997 Jeep Grand Cherokee insurance can be sourced both online as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

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