Save on 1997 Jeep Grand Cherokee Insurance Quotes

Searching for better car insurance rates? Consumers have a choice when looking for the best price on Jeep Grand Cherokee insurance. You can either waste hours struggling with agents getting price quotes or use the internet to get rate quotes. There are both good and bad ways to shop for car insurance so you’re going to learn the best way to get price quotes for a Jeep and find the cheapest rates either online or from local insurance agents.

Finding car insurance

Many insurance companies give prices directly from their websites. The process is quite easy as you just enter the amount of coverage you want into the quote form. Upon sending the form, their rating system requests credit information and your driving record and generates pricing information based on these and other factors.

Being able to quote online simplifies rate comparisons, but the time required to go to a lot of sites and type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to do this if you want to find the lowest price.

The easiest way to locate the lowest prices uses one simple form that obtains quotes from several different companies. It saves time, requires less work, and makes rate comparisons much easier to do. Once the form is submitted, your coverage is rated and you can select your choice of the quotes that you receive. If a lower price is quoted, you can simply submit the application and purchase the new policy. It takes just a few minutes to complete and you will find out if you’re overpaying now.

To save time and fill out one form to compare multiple rates now, click here to open in a new tab and submit your coverage information. If you currently have coverage, we recommend you complete the form with coverages and limits identical to your current policy. This ensures you will have rate quotes using the exact same coverages.

Slick advertising tricks that work

Consumers get pounded daily by advertisements for cheaper insurance coverage by companies like Allstate and Progressive. They all seem to state the claim about how much you will save just by switching your coverage to them.

Is it even possible that every company can say the same thing? Here is the trick they use.

Insurance providers can use profiling for the type of insured that earns them a profit. For instance, this type of driver may need to be a married male, has a low-risk occupation, and drives a vehicle with a low ISO rating. A customer that meets those criteria will get the preferred rates and will save if they switch.

Potential insureds who do not match the “perfect” profile may be forced to pay a higher rate and the customer not purchasing. Company advertisements say “people who switch” not “all people who quote” save the amount stated. That’s why insurance companies can advertise the way they do. This really illustrates why you really need to do a rate comparison at every renewal. Because you cannot predict the company that will give you the biggest savings.

Verify you’re earning every discount

Insurance coverage is not an enjoyable expense, but you may be missing some discounts that may help make it more affordable. Some discounts will apply at quote time, but less common discounts must be requested specifically before you will receive the discount. If you do not check that you are getting every discount possible, you are just wasting money.

  • Membership in Organizations – Joining certain professional organizations could qualify you for a break on your next insurance coverage statement.
  • Anti-theft System – Vehicles optioned with advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
  • Senior Citizen Discount – If you’re over the age of 55, you may receive a discount up to 10% on Grand Cherokee insurance.
  • Military Deployment Discount – Being on active deployment in the military could mean lower insurance coverage rates.
  • Braking Control Discount – Cars and trucks that have anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Early Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you can avoid monthly service charges.
  • Discounts for Multiple Vehicles – Drivers who insure several vehicles with one company can reduce the rates for all insured vehicles.
  • Auto/Life Discount – Insurance companies who offer life insurance give a discounted price on car insurance if you buy life insurance from them.

We need to note that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.

A few popular companies and a summarized list of policyholder discounts include:

  • 21st Century discounts include teen driver, 55 and older, driver training, air bags, anti-lock brakes, theft prevention, and automatic seat belts.
  • State Farm has savings for multiple autos, Drive Safe & Save, driver’s education, defensive driving training, multiple policy, and safe vehicle.
  • AAA has discounts for multi-car, pay-in-full, education and occupation, anti-theft, multi-policy, and good driver.
  • Liberty Mutual may have discounts that include multi-policy, multi-car, teen driver discount, good student, new graduate, newly married, and newly retired.
  • Progressive offers premium reductions for online quote discount, continuous coverage, multi-policy, homeowner, multi-vehicle, and good student.

Check with all companies you are considering what discounts are available to you. A few discounts may not apply in your area. If you would like to view insurers with discount rates, click this link.

When should I discuss my situation with an agent?

When choosing coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if your situation may require specific advice.

  • Where can I get insurance after a DUI in my state?
  • Do I have coverage when making deliveries for my home business?
  • Why am I required to buy high-risk coverage?
  • Is my babysitter covered when using my vehicle?
  • How many claims can I have before being cancelled?
  • Do I have coverage if my license is suspended?
  • Am I covered when driving a rental car?
  • Is my 1997 Jeep Grand Cherokee covered for flood damage?
  • When should I drop full coverage on my 1997 Jeep Grand Cherokee?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Car insurance coverages for a Jeep Grand Cherokee

Having a good grasp of auto insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Jeep Grand Cherokee.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto collision coverage

Collision insurance pays for damage to your Grand Cherokee resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses like X-ray expenses, funeral costs, EMT expenses and ambulance fees. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as 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

Auto liability insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as medical expenses, bail bonds, structural damage and funeral expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, falling objects and a broken windshield. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Quote more, save more

When searching for the cheapest auto insurance quotes, make sure you don’t buy poor coverage just to save money. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. Your objective should be to buy enough coverage for the lowest price but still have enough coverage for asset protection.

We covered a lot of tips how to shop for 1997 Jeep Grand Cherokee insurance online. The key concept to understand is the more companies you get premium rates for, the more likely it is that you will get a better rate. Consumers could even find that the lowest car insurance rates come from a lesser-known regional company.

Cheaper insurance coverage is possible both online and from local agencies, and you need to price shop both in order to have the best chance of saving money. A few companies may not offer rates over the internet and these smaller providers only sell coverage through independent agents.

More tips and info about insurance coverage can be found at these sites: