1999 Jeep Grand Cherokee Insurance Quotes – 8 Tips for Best Rates

Searching for lower car insurance rates for your Jeep Grand Cherokee? When looking for lower-cost insurance, are you confused by the crazy number of car insurance choices that you can choose from? Many other drivers are as well. There are such a large number of options that it can easily become a big hassle to find better prices.

Finding affordable coverage is quite easy. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. But vehicle owners can benefit from knowing how insurance companies sell insurance online.

How to compare insurance coverage price quotes

When shopping for insurance coverage there are multiple ways of comparing rates from different insurance companies. The simplest method to lower the rate you pay for 1999 Jeep Grand Cherokee insurance is to perform an online rate comparison. This is very easy and can be done in just a few minutes using one of these methods.

  • The fastest way to find low rates is to use a rate comparison form like this one (opens in new window). This easy form eliminates the need for repetitive form entry for each price estimate. A single, simple form gets coverage cost estimates from multiple companies. This is by far the quickest method.
  • A slightly less efficient method to shop for insurance coverage online requires visiting each company website and fill out their own quote form. For example, let’s say you want to see prices from Nationwide, Esurance and Travelers. You would need to take the time to go to each site to input your insurance information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

Whichever way you use, do your best to enter identical coverage limits and deductibles on every quote you get. If you use different liability limits it’s not possible to determine the best price for your Jeep Grand Cherokee. Even a minor difference in coverages may result in large price differences. And when price shopping your coverage, more quotes helps increase your odds of locating a lower rate than you’re paying now.

Get cheaper car insurance with discounts

Some companies don’t always publicize every discount very well, so the list below details both the well known and also the more inconspicuous savings tricks you should be using when you buy auto insurance online.

  • Discounts for Responsible Drivers – Drivers without accidents can pay as much as 50% less on Grand Cherokee coverage than drivers with accidents.
  • Save with a New Car – Buying coverage on a new vehicle can get you a discount because newer vehicles keep occupants safer.
  • Drivers Education – It’s a good idea to have your young drivers enroll and complete driver’s education if offered at their school.
  • Distant Student – Kids who live away from home at college and do not take a car to college may be insured at a cheaper rate.
  • Service Members Pay Less – Having an actively deployed family member may qualify for rate reductions.
  • Driver Safety – Completing a course in safe driver can save you 5% or more and also improve your driving technique.
  • Government Employee Discount – Simply working for the federal government could provide a small rate reduction on Grand Cherokee coverage but check with your company.
  • No Accidents – Good drivers with no accidents get the best car insurance rates in comparison to drivers who are more careless.

Policy discounts save money, but most discount credits are not given to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts should help reduce the amount you have to pay.

Some companies that may have these discounts may include but are not limited to:

Before you buy a policy, ask each company or agent which discounts you qualify for. A few discounts might not apply in your area. If you would like to see a list of insurance companies who offer free car insurance quotes, click here.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions might point out whether you could use an agent’s help.

  • Is my trailer covered?
  • Do I need replacement cost coverage on my 1999 Jeep Grand Cherokee?
  • Am I covered if I crash into my own garage door?
  • Do I need replacement cost coverage?
  • Can I drive in Mexico and have coverage?
  • How do I buy GAP insurance?
  • Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance 101

Knowing the specifics of insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses such as hospital visits, prosthetic devices, dental work and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Jeep Grand Cherokee.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for liability

This coverage protects you from damage or injury you incur to other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for 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. You commonly see values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like court costs, legal defense fees and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Comprehensive auto coverage

This coverage pays for 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 insurance covers claims such as theft, damage from getting keyed, vandalism and hitting a deer. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

Collision coverage covers damage to your Grand Cherokee resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Shop smart and save

Insureds who switch companies do it for a number of reasons such as delays in paying claims, being labeled a high risk driver, not issuing a premium refund and policy cancellation. It doesn’t matter what your reason, switching companies is less work than it seems.

More affordable car insurance is attainable from both online companies as well as from insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies do not offer the ability to get quotes online and usually these regional insurance providers sell through independent insurance agencies.

We just covered many tips how you can reduce 1999 Jeep Grand Cherokee insurance auto insurance rates online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising.

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