View 1993 Jeep Grand Cherokee Insurance Rates

Paying for overpriced Jeep Grand Cherokee insurance can deplete your savings account and make it tough to pay other bills. Comparing rate quotes can save money and help to reduce premiums and put more money in your pocket.

Companies like GEICO, 21st Century and Progressive continually hit you with catchy ads and it can be hard to sift through the bull and do the work needed to find the best deal.

The most recommended method to get policy rate comparisons is to know the fact all the major auto insurance companies participate in online systems to give rate comparisons. To get started, all you need to do is give them some information like which vehicles you own, if you are currently licensed, whether or not you need a SR-22, and driver details. Your details gets sent immediately to many different companies and they return quotes quickly.

To check Jeep Grand Cherokee insurance prices now, click here and complete the form.

Discounts for cheaper auto insurance quotes

Auto insurance is expensive, but you may find discounts that may help make it more affordable. Certain discounts will be triggered automatically at quote time, but a few must be specifically requested in order for you to get them. If you don’t get every credit available, it’s possible you qualify for a lower rate.

  • Life Insurance – Select auto insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Theft Deterent System – Cars that have factory anti-theft systems are less likely to be stolen so companies will give you a small discount.
  • Memberships – Participating in qualifying employment or professional organizations could trigger savings when shopping for auto insurance.
  • Telematics Discount – Policyholders that allow their company to look at their driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they show good driving skills.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you will save up to 20% and get you cheap insurance coverage.
  • E-sign – A handful of auto insurance companies will discount your bill up to fifty bucks for buying your policy on your computer.
  • Homeowners Discount – Owning a home can save a few bucks because it shows financial diligence.

Discounts save money, but please remember that some credits don’t apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any qualifying discounts will bring down the premium cost.

Companies and their possible discounts are:

  • State Farm offers discounts for multiple policy, safe vehicle, driver’s education, student away at school, and passive restraint.
  • GEICO includes discounts for air bags, membership and employees, multi-policy, good student, multi-vehicle, and defensive driver.
  • SAFECO discounts include teen safe driver, anti-theft, homeowner, drive less, anti-lock brakes, multi-car, and accident prevention training.
  • Farmers Insurance may have discounts that include teen driver, electronic funds transfer, alternative fuel, multi-car, and distant student.
  • AAA has savings for AAA membership discount, anti-theft, multi-car, pay-in-full, education and occupation, and multi-policy.
  • USAA has discounts for good student, annual mileage, multi-policy, multi-vehicle, and vehicle storage.

It’s a good idea to ask each company or agent how you can save money. Savings may not apply to policies in your area. To see insurance companies that offer the discounts shown above, click here to view.

You may need specialized auto insurance coverage

When it comes to buying adequate coverage for your personal vehicles, there really is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. For example, these questions can help discover whether your personal situation might need an agent’s assistance.

  • Is my Jeep Grand Cherokee covered if I use it for business?
  • How does medical payments coverage work?
  • Do I need more liability coverage?
  • Is there coverage for injuries to my pets?
  • Does car insurance cover theft of personal property?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • When should I buy a commercial auto policy?
  • Is upholstery damage covered by car insurance?

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 agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Jeep Grand Cherokee insurance rate factors

Many things are part of the equation when you quote your car insurance policy. Some are pretty understandable like an MVR report, but other criteria are less obvious such as your credit history or your financial responsibility.

  • Reduce premiums by driving safer vehicles – Safe vehicles cost less to insure. These vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and lower rates for you. If your Jeep Grand Cherokee is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Teenagers vs. experienced drivers – Older insureds have been proven to be more responsible, cost insurance companies less in claims and are safer drivers.Teen drivers are proven to be easily distracted behind the wheel so insurance coverage rates are higher.
  • Lower stress equals lower insurance coverage rates – Occupations like judges, architects and accountants generally have higher average rates in part from stressful work requirements and lots of time spent away from family. On the other hand, careers like actors, students and performers get better rates on Grand Cherokee coverage.
  • Avoid insurance coverage lapses – Having a lapse in insurance coverage is a fast way to trigger a rate increase. Not only will rates go up, the inability to provide proof of insurance may earn you a fine, jail time, or a revoked license.
  • If you don’t need it don’t buy it – There are many add-on coverages that you can buy if you aren’t careful. Coverage for things like roadside assistance, towing coverage, and membership fees are examples of these. They may seem good when deciding what coverages you need, but if you have no use for them think about removing them and cutting costs.
  • Cheap premiums for being claim-free – If you are the type of insured that files lots of claims you can definitely plan on higher premiums or even policy non-renewal. Car insurance companies provide the lowest premiums to policyholders who only file infrequent claims. Your car insurance is intended to be relied upon for the large, substantial claims.
  • Your location is important – Being located in smaller towns and rural areas of the country has it’s advantages when buying insurance coverage. Less people living in that area means fewer accidents and also fewer theft and vandalism claims. City drivers have to deal with more auto accidents and a longer drive to work. More time behind the wheel means more chances of being involved in an auto accident.
  • Lower premiums with theft deterrents – Buying a car with anti-theft technology or alarm system can earn a premium discount. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop your car from being stolen.

Auto insurance 101

Having a good grasp of car insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on most car insurance policies.

Liability auto insurance – Liability insurance will cover damage or injury you incur to other people or property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like emergency aid, pain and suffering and legal defense fees. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for expenses such as prosthetic devices, X-ray expenses and funeral costs. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverage – Collision coverage covers damage to your Grand Cherokee resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, damage from a tornado or hurricane, hitting a deer and a tree branch falling on your vehicle. The maximum amount 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 consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Pennies from heaven

Cheaper insurance coverage is attainable on the web as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some insurance providers may not offer rate quotes online and most of the time these regional carriers prefer to sell through independent insurance agencies.

We just presented quite a bit of information on how to get a better price on 1993 Jeep Grand Cherokee insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your premium rates. Consumers could even find that the best car insurance rates are with an unexpected company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

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