Cheaper 1998 Jeep Grand Cherokee Car Insurance Quotes

Looking for cheaper insurance coverage rates for your Jeep Grand Cherokee? There isn’t a single person who looks forward to paying premiums for insurance coverage, in particular when they could find better rates elsewhere. Big-name insurance companies like Progressive, State Farm and Geico increase brand awareness with fancy advertisements and it can be hard to sift through the bull and take the time to shop coverage around.

It is always a good idea to quote other rates once or twice a year because insurance coverage prices change regularly. Despite the fact that you may have had the best quotes for Grand Cherokee coverage a couple years back you can probably find a lower rate today. You can find a lot of wrong information about insurance coverage on the internet, but in just a couple of minutes you can learn some solid techniques on how to lower your insurance coverage bill.

If you are insured now or are just looking to switch companies, you can use these tips to reduce the price you pay and possibly find even better coverage. Choosing the best insurance company for you is quite easy. Drivers just need to know the most efficient way to shop over the internet.

Discount auto insurance rates

Auto insurance is not inexpensive, but there are discounts available that can drop the cost substantially. Some of these disounts will be visible at the time of purchase, but lesser-known reductions have to be asked for in order for you to get them. If you’re not getting every credit possible, you’re just leaving money on the table.

  • E-sign – A few companies may give you up to $50 for buying your policy on their website.
  • Braking Control Discount – Cars with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for Grand Cherokee coverage depending on your company.
  • Multiple Policy Discount – If you combine your auto and home policies with the same insurance company you could save up to 20% off your total premium.
  • Discounts for Good Drivers – Drivers who don’t get into accidents may save up to 50% more for Grand Cherokee coverage than their less cautious counterparts.

Discounts save money, but please remember that some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky.

A few of the larger companies and some of the premium reductions they offer are shown below.

  • State Farm offers discounts including Drive Safe & Save, Steer Clear safe driver discount, safe vehicle, accident-free, and multiple autos.
  • Geico has discounts for multi-policy, good student, membership and employees, defensive driver, and military active duty.
  • Progressive may include discounts for multi-policy, multi-vehicle, online signing, good student, and online quote discount.
  • 21st Century policyholders can earn discounts including theft prevention, 55 and older, student driver, teen driver, defensive driver, automatic seat belts, and homeowners.
  • American Family discounts include Steer into Savings, early bird, bundled insurance, good driver, good student, TimeAway discount, and mySafetyValet.
  • The Hartford may offer discounts for good student, anti-theft, air bag, vehicle fuel type, and driver training.
  • AAA includes discounts for multi-car, good driver, AAA membership discount, pay-in-full, multi-policy, education and occupation, and anti-theft.

If you want cheap car insurance quotes, ask every prospective company which discounts you qualify for. Some discounts may not be available in your area. To see a list of providers that offer many of these discounts, click here.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that could help you determine if your insurance needs may require specific advice.

  • Am I covered when driving a rental car?
  • When should I remove comp and collision on my 1998 Jeep Grand Cherokee?
  • What is covered by UM/UIM coverage?
  • Will my insurance pay for OEM parts?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when using my vehicle for business?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Don’t be fooled by advertising claims

Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of 21st Century, Allstate and State Farm. They all seem to try to convey promises that you can save if you get a free car insurance quote and switch your coverage.

How does every company charge you less for car insurance? It’s all in how they say it.

All the different companies have strict underwriting profiles for the type of customer that will most likely be profitable. A good example of a profitable insured might be described as between 25 and 40, has few claims, and drives less than 10,000 miles a year. Any driver who fits those characteristics receives the best prices and as a result will probably save when switching.

Potential customers who do not fit the ideal profile will probably have to pay a higher premium and this results in the customer not purchasing. The ad wording is “people who switch” not “everybody who quotes” save that much. That’s why insurance companies can confidently make those statements. That is why you need to compare price quotes frequently. Because you cannot predict which company will fit your personal profile best.

Coverages available on your policy

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages offered by auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Jeep Grand Cherokee.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Insurance for medical payments

Med pay and PIP coverage kick in for bills for doctor visits, surgery and chiropractic care. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, fire damage, hitting a bird and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability

Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like funeral expenses, pain and suffering, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, damaging your car on a curb, sustaining damage from a pot hole, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Be a Smart Shopper

We just showed you some good ideas how you can lower your 1998 Jeep Grand Cherokee insurance rates. The key concept to understand is the more times you quote, the better likelihood of getting affordable car insurance. You may be surprised to find that the biggest savings come from some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.

Cost effective 1998 Jeep Grand Cherokee insurance is available on the web as well as from insurance agents, and you need to price shop both to have the best selection. A few companies may not offer the ability to get a quote online and many times these small insurance companies only sell through independent agencies.

When getting car insurance quotes online, don’t be tempted to reduce coverage to reduce premium. There have been many cases where someone sacrificed full coverage only to regret at claim time that they should have had better coverage. The aim is to get the best coverage possible at the best possible price, not the least amount of coverage.

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