1993 Jeep Grand Cherokee Insurance Cost

Finding better insurance prices for a Jeep Grand Cherokee can be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to find auto insurance online and we’ll show you the absolute fastest way to get price quotes for a new or used Jeep and get the cheapest rates.

It’s a good idea to take a look at other company’s rates periodically because prices are adjusted regularly by insurance companies. Just because you found the best rates for Grand Cherokee insurance last year you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in one of the best ways to save on auto insurance.

Where can I get low cost insurance?

Comparing insurance rates can be a lot of work if you aren’t aware of the easiest way. You can waste a few hours (or days) talking to local insurance agents in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

All the larger companies belong to an insurance system that allows shoppers to submit their information once, and each company provides a quote based on the submitted data. This saves time by eliminating quote forms to each individual insurance company.

To find out how much you’re overpaying now click to open in new window.

The single downside to getting quotes like this is you don’t know exactly which providers you want to price. So if you prefer to pick specific providers to compare rates, we have assembled a list of insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just do your best to use apples-to-apples coverage information with each company. If you enter different values for each quote then you won’t be able to find the best deal for your Jeep Grand Cherokee.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different.

For instance, these questions can aid in determining if your insurance needs might need an agent’s assistance.

Does my car insurance cover rental cars?
Should I buy additional glass protection?
Does insurance cover tools stolen from my truck?
Do I have newly-aquired coverage?
What are the financial responsibility laws in my state?
Am I covered when driving someone else’s vehicle?
When should I remove comp and collision on my 1993 Jeep Grand Cherokee?
Should I rate my 1993 Jeep Grand Cherokee as pleasure use or commute?
If my pet gets injured in an accident are they covered?
What if I owe more than I can insure my car for?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Parts of your car insurance policy

Understanding the coverages of car insurance can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Grand Cherokee.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Liability car insurance

Liability insurance can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as bail bonds, pain and suffering and structural damage. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Auto collision coverage

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

Collision coverage protects against claims like rolling your car, backing into a parked car, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as vandalism, damage from getting keyed, hail damage, fire damage and hitting a bird. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses like ambulance fees, hospital visits, X-ray expenses, chiropractic care and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage