1996 Jeep Grand Cherokee Insurance Cost

Purchasing lower priced insurance coverage over the internet might appear somewhat intimidating for beginners to comparing rates and buying insurance coverage on the web. With more and more insurers available, how can you efficiently compare every company to locate cheaper insurance coverage prices?

It’s a good habit to price shop coverage once or twice a year since rates change regularly. Just because you had the lowest rate on Grand Cherokee coverage two years ago the chances are good that you can find a lower price today. Forget all the misinformation about insurance coverage because I’m going to teach you the right way to save money, get proper coverage and the best rates.

How to buy auto insurance online

There are several ways to compare auto insurance prices but some are easier and takes less work. You could waste a few hours talking to insurance companies in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

The majority of car insurance companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and every company can give them a price based on the submitted data. This system prevents you from having to do quotation requests for each company.

To access this free quoting program, click here to start a free quote.

The one disadvantage to using this type of form is you can’t choose the insurers to get pricing from. So if you want to select from a list of companies to compare prices, we have assembled a list of the cheapest auto insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just do your best to use the same coverages and limits for each comparison quote. If you have different values for each quote you will not be able to decipher which rate is best. Quoting even small variations in insurance coverages or limits could mean much higher rates. Keep in mind that comparing more rates from different companies gives you a better chance of getting a lower rate than you’re paying now. Not every company allows you to get online quotes, so it’s necessary to compare price quotes from those companies as well.

Are you receiving every discount?

Companies that sell car insurance do not list the entire discount list in a way that’s easy to find, so we took the time to find both the well known as well as the least known savings tricks you should be using when you buy car insurance online.

  • Federal Government Employee – Active or retired federal employment can save as much as 8% on Grand Cherokee coverage with some auto insurance companies.
  • Telematics Data Discounts – Insureds that choose to allow driving data collection to scrutinize driving habits remotely such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if their driving habits are good.
  • Homeowners Discount – Owning your own home or condo can help you save on auto insurance since owning and maintaining a home shows financial diligence.
  • Resident Student – College-age children who are enrolled in higher education away from home and don’t have a car may be able to be covered for less.
  • Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on one policy can get a discount on all vehicles.
  • No Accidents – Drivers who stay claim-free pay much less when compared to accident-prone drivers.
  • Low Miles Discount – Low mileage vehicles can qualify you for substantially lower auto insurancerates.

It’s important to note that most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that you could get a free auto insurance policy, auto insurance companies aren’t that generous.

Companies and a summarized list of policyholder discounts are shown below.

  • AAA may offer discounts for multi-car, good student, anti-theft, education and occupation, good driver, AAA membership discount, and pay-in-full.
  • Progressive offers discounts for online quote discount, homeowner, multi-vehicle, multi-policy, continuous coverage, and online signing.
  • State Farm has savings for anti-theft, good driver, driver’s education, defensive driving training, and Drive Safe & Save.
  • Esurance may have discounts that include anti-lock brakes, paid-in-full, Switch & Save, defensive driver, DriveSense, multi-policy, and homeowner.
  • Nationwide discounts include easy pay, family plan, multi-policy, good student, business or organization, accident-free, and defensive driving.

When getting free car insurance quotes, it’s a good idea to each insurance company what discounts are available to you. Some discounts might not be offered in your state. To see insurance companies that provide some of the discounts listed above, click this link.

When in doubt talk to an agent

When buying the best car insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For example, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • What if I don’t agree with a claim settlement offer?
  • Why is insurance for a teen driver so high?
  • Is motorclub coverage worth it?
  • Do I have coverage if my license is suspended?
  • Is extra glass coverage worth it?
  • Should I have combined single limit or split liability limits?
  • Does my 1996 Jeep Grand Cherokee qualify for pleasure use?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When can my company non-renew my policy?
  • Do I really need UM/UIM coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Get cheaper insurance rates by understanding these factors

A large part of saving on insurance is knowing the different types of things that help calculate the rates you pay for insurance. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that can help you get much lower annual insurance costs.

The items below are a few of the things used by insurance companies to determine premiums.

  • Multi-policy discounts can save money – Most insurance companies will award better rates to people who have multiple policies with them in the form of a multi-policy discount. The discount can be ten or even fifteen percent. Even with this discount, drivers will still want to compare rates to help guarantee you have the best rates.
  • Safety ratings are a factor – Vehicles that have high safety ratings tend to be cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and reduced instances of injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Jeep is rated at least four stars on Safercar.gov you may pay a lower rate.
  • Low credit score equals high premiums – Having a bad credit score will be a significant factor in determining your rates. Insureds with very high credit ratings tend to be more responsible and file fewer claims than drivers who have poor credit. If your credit rating can be improved, you could potentially save money when insuring your 1996 Jeep Grand Cherokee if you clean up your credit.
  • Never go without insurance – Driving with no insurance is illegal and insurance companies will penalize you for letting your coverage have a gap. In addition to paying higher premiums, the inability to provide proof of insurance could result in a revoked license or a big fine.

Misconceptions in insurance advertisements

Well-known insurance companies like Allstate, Geico and Progressive continually stream ads on TV and radio. All the companies tend to make the same promise about saving some big amount if you move your coverage. It sounds good, but how can they all charge less that you’re paying now? Just pay attention to how they say it.

Most companies provide the lowest rates for the type of customer that will add to their bottom line. For instance, a preferred risk should be a mature driver, has no claims, and has a high credit rating. Any person who fits those characteristics may get the lowest prices and most likely will cut their rates substantially.

Consumers who don’t meet these standards may be forced to pay a higher premium which translates to the customer buying from someone else. The trick companies use is to say “people that switch” not “everybody who quotes” save the amount stated. This is how insurance companies can confidently make those claims. Each company has different criteria, so you absolutely need to compare price quotes frequently. It’s impossible to know which company will have the lowest rate quotes.

Auto insurance coverage considerations

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Auto liability

This protects you from damages or injuries you inflict on other’s property or people. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

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. You commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like attorney fees, funeral expenses, repair bills for other people’s vehicles, medical services and repair costs for stationary objects. How much coverage you buy is your choice, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Jeep Grand Cherokee.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like fire damage, vandalism and hitting a deer. The most your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like hospital visits, ambulance fees and chiropractic care. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision coverage protection

This coverage will pay to fix damage to your Grand Cherokee caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, colliding with another moving vehicle, crashing into a building, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

In Summary

Insureds who switch companies do it for a number of reasons such as denial of a claim, policy cancellation, high rates after DUI convictions and high prices. Regardless of your reason for switching companies, switching car insurance companies can be easy and end up saving you some money.

Budget-conscious 1996 Jeep Grand Cherokee insurance is possible online as well as from insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance providers do not offer rates over the internet and many times these smaller providers only sell coverage through independent insurance agents.

As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where someone dropped liability limits or collision coverage and learned later they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.

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