1997 Jeep Grand Cherokee Insurance Rates

Being forced to pay for high-priced car insurance premiums can overdraw your funds and require stricter spending habits. Comparing rates annually is free, only takes a few minutes, and is a good way to cut your insurance bill.

Multiple insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurers to find the best rate

You need to shop coverage around on a regular basis because prices are usually higher with each renewal. Even if you think you had the lowest quotes for Grand Cherokee insurance on your last policy there may be better deals available now. Ignore everything you know about car insurance because it’s time to teach you the fastest way to find lower rates on car insurance.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Buying car insurance is not that difficult. But vehicle owners can benefit by having an understanding of how insurance companies sell online and use this information to your advantage.

How to get free insurance quotes online

There are a lot of ways to compare insurance quotes, but there is one way that is more efficient than others. You can spend your afternoon driving to insurance companies in your area, or you can utilize online quotes to get pricing more quickly.

Most of the larger companies are enrolled in a marketplace that enables customers to send in one quote, and at least one company can give them a price based on that data. This system prevents you from having to do quotation requests to each individual insurance company. To compare rates using this form now click here to open in new window.

The one downside to using this type of form is you don’t know exactly the providers you will receive quotes from. If you wish to select specific insurance companies to request quotes from, we put together a list of insurance companies in your area. Click here to view list.

The approach you take is up to you, just be sure you’re using nearly identical quote information for every quote you compare. If you use different liability limits then you won’t be able to determine which rate is truly the best. Quoting even small variations in insurance coverages or limits may cause a big price difference. And when price shopping your coverage, comparing a wide range of rates helps you find the best offered rates.

Save money by earning discounts

Some companies don’t list every available discount very well, so the following is a list of some of the best known in addition to some of the lesser obvious discounts that may be available.

  • No Claims – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance quote in comparison with policyholders that have many claims.
  • One Accident Forgiven – Not a discount per se, but companies like GEICO, Allstate and Liberty Mutual will forgive one accident without getting socked with a rate hike if you are claim-free prior to the accident.
  • 55 and Retired – Drivers over the age of 55 can possibly qualify for better car insurance rates for Grand Cherokee insurance.
  • More Vehicles More Savings – Insuring primary and secondary vehicles with one company can reduce rates for all insured vehicles.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and that can save you a little bit as well.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems may get savings of 20% or more.
  • Driver’s Education for Students – Have your child sucessfully take a drivers education course if it’s offered in school.
  • Multi-line Discount – Some car insurance companies give a discount if you purchase auto and life insurance together.
  • Professional Organizations – Having an affiliation with a qualifying organization could qualify you for a break on your next car insurance statement.
  • Early Renewal Discounts – A few larger companies offer discounts for switching policies prior to your current policy expiring. This discount can save up to 10%.

A little disclaimer on discounts, some credits don’t apply to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.

Popular car insurance companies and a selection of discounts include:

  • Progressive offers premium reductions for good student, homeowner, multi-vehicle, online signing, continuous coverage, online quote discount, and multi-policy.
  • The Hartford may offer discounts for bundle, good student, driver training, anti-theft, defensive driver, vehicle fuel type, and air bag.
  • Mercury Insurance has savings for ease of repair, multi-car, annual mileage, age of vehicle, anti-theft, and accident-free.
  • GEICO has discounts for five-year accident-free, driver training, military active duty, multi-vehicle, and seat belt use.
  • AAA may include discounts for education and occupation, multi-policy, multi-car, AAA membership discount, good student, pay-in-full, and anti-theft.
  • State Farm offers discounts including driver’s education, defensive driving training, passive restraint, anti-theft, Steer Clear safe driver discount, student away at school, and good driver.

Check with all companies you are considering which discounts they offer. A few discounts may not be offered in your area. To choose insurers that offer multiple discounts, click here.

Seven tips to get cheaper insurance premiums

Lots of factors are part of the equation when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but other criteria are more transparent like your vehicle usage and annual miles driven.An important part of buying insurance is that you know the factors that are used to determine your premiums. If you have some idea of what influences your rates, this allows you to make good choices that can earn you better insurance rates.

The factors shown below are a partial list of the pieces utilized by car insurance companies to help set premiums.

  • Rates increase with driving citations – How you drive can have a huge impact on auto insurance premiums. Drivers who don’t get tickets have lower premiums compared to bad drivers. Only having one speeding ticket or other violation can bump up the cost to the point where it’s not affordable. People who have license-revoking tickets such as DUI or reckless driving might be required by their state to prove financial responsibility with their state’s licensing department in order to prevent a license revocation.
  • Multi-policy discounts can save money – Many companies apply better rates to customers that have more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, consumers should still compare other insurance prices to help guarantee you have the best rates.
  • When should you not file a insurance claims? – If you file claims often, you can definitely plan on higher rates. Auto insurance companies provide the best rates to drivers who are not frequent claim filers. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.
  • Only buy extra coverages you need – Insurance policies have a lot of extra coverages you can purchase if you aren’t diligent. Things like roadside assistance, better glass coverage, and extra life insurance coverage may be costing you every month. They may seem good initially, but now you might not need them so think about removing them and cutting costs.
  • Age of drivers – More experienced drivers are viewed as being more responsible, file fewer claims and tend to be get fewer driving tickets.Inexperience drivers are proven to be inattentive and easily distracted when behind the wheel so insurance rates are higher.
  • Cheaper premiums using theft deterrents – Owning a car with a theft deterrent system can save you a little every year. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft and help bring rates down.
  • Save money by having excellent credit – An insured’s credit score can be an important factor in calculating your insurance rates. So if your credit rating is lower than you’d like, you may save money insuring your 1997 Jeep Grand Cherokee by improving your credit score. People with very high credit ratings tend to be better risks to insure than drivers who have worse credit.

Your auto insurance coverage should be tailored to you

When buying coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can aid in determining if you could use an agent’s help.

  • Am I covered if I crash into my own garage door?
  • Is there coverage for injuries to my pets?
  • What is medical payments coverage?
  • Do I need added coverage for expensive stereo equipment?
  • What is covered by UM/UIM coverage?
  • Do I need more liability coverage?
  • Does my insurance cover a custom paint job?
  • Is motorclub coverage worth it?
  • What is the rate difference between pleasure use and commuting?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Car insurance coverage information

Knowing the specifics of car insurance helps when choosing the best coverages for your vehicles. Car insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on the average car insurance policy.

Medical costs insurance

Med pay and PIP coverage kick in for short-term medical expenses for things like chiropractic care, prosthetic devices and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision protection

This pays for damage to your Grand Cherokee caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, sideswiping another vehicle, backing into a parked car, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

Liability insurance can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as bail bonds, court costs and legal defense fees. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, a broken windshield, damage from a tornado or hurricane, rock chips in glass and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

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

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Do the work, save more money

As you shop your coverage around, do not skimp on coverage in order to save money. In many cases, an insured dropped collision coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at the best cost but still have enough coverage for asset protection.

You just read a lot of information how to get a better price on 1997 Jeep Grand Cherokee insurance. It’s most important to understand that the more you quote insurance, the better your comparison will be. You may even find the best car insurance rates are with a small mutual company. Smaller companies may only write in your state and offer lower premium rates as compared to the big name companies such as State Farm or Progressive.

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