Cheaper 1996 Jeep Grand Cherokee Car Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Jeep Grand Cherokee? Have you finally had enough of not being able to scrape enough together to make your insurance coverage payment? You are in the same boat as many other drivers.

Since you have so many choices, it can be hard to pick the best insurance coverage provider.

Cheapest insurance rate quotes

Most of the larger companies such as GEICO, State Farm and Progressive make it easy to get pricing from their websites. Getting online rates is quite easy as you simply type in the coverages you want as requested by the quote form. Once entered, their system will order credit information and your driving record and quotes a price determined by many factors. Quoting online makes it easy to compare insurance prices but having to visit multiple sites and type in the same information can get tiresome after awhile. But it’s necessary to get many rate quotes in order to find the lowest price.

There is an easier way to compare rates

An easier way to locate the lowest prices utilizes a single form to obtain quotes from a bunch of companies at once. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons much more enjoyable and efficient. After sending the form, it is rated and you can select any one of the resulting price quotes. If a lower price is quoted, you can click and sign and buy the policy. It only takes a few minutes and could lower your rates considerably.

If you want to compare rates now, simply click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you input the limits and deductibles as shown on your current policy. This makes sure you are getting an apples-to-apples comparison for similar coverage.

Lower your car insurance rates with discounts

Car insurance is neither fun to buy or cheap, but you might already qualify for some discounts that many people don’t even know exist. Many discounts should be triggered at the time of quoting, but some may not be applied and must be manually applied in order for you to get them.

• Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.
• Discount for Multiple Policies – If you insure your home and vehicles with one company you could get a discount of up to 20% off your total premium.
• Theft Deterent Discount – Vehicles with anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• Savings for New Vehicles – Insuring a vehicle that is new is cheaper since new vehicles are generally safer.
• Payment Method – By paying your policy upfront rather than paying monthly you can actually save on your bill.
• Defensive Driver Discounts – Participating in a class that teaches safe driver techniques may get you a small discount and easily pay for the cost of the class.
• Homeowners Discount – Owning a house can get you a discount because maintaining a house means you have a higher level of financial diligence.
• Data Collection Discounts – Drivers that enable data collection to analyze vehicle usage remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they are good drivers.
• Include Life Insurance and Save – Some car insurance companies give a discounted price on car insurance if you buy a life policy as well.
• Accident Waiver – but companies like State Farm and Allstate allow you one accident without getting socked with a rate hike with the catch being you have to be claim-free prior to being involved in the accident.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. Even though it appears all the discounts add up to a free policy, you aren’t that lucky.

To locate providers that offer the discounts shown above, click here to view.

You are unique and your insurance should be too

When it comes to buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether your personal situation might need professional guidance.

• Can I rent a car in Mexico?
• Does having multiple vehicles earn me a discount?
• Am I covered if I hit my neighbor’s mailbox?
• Why am I be forced to buy a membership to get insurance from some companies?
• How many claims can I have before being cancelled?
• Do I benefit by insuring my home with the same company?
• Are my friends covered when driving my car?
• Am I getting all the discounts available?
• Is rental equipment covered for theft or damage?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Specific coverage details

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by auto insurance companies.

Collision coverage – This coverage pays for damage to your Grand Cherokee resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, driving through your garage door, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability coverages – This coverage provides protection from damage that occurs to other’s property or people. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things like medical expenses, loss of income, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for bills such as funeral costs, nursing services, ambulance fees, doctor visits and hospital visits. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, vandalism and damage from getting keyed. The maximum 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 consider dropping full coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your 1996 Jeep Grand Cherokee.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.