Lower Your 1991 Jeep Grand Wagoneer Insurance Quotes

No one likes paying for insurance coverage, especially when they are paying too much.

Big companies like State Farm, Allstate, Geico and Progressive increase brand awareness with TV and radio ads and it can be hard to see through the deception and find the best price available.

You should take the time to compare prices occasionally since rates change quite often. Just because you had the best deal for Grand Wagoneer insurance last year a different company probably has better rates today. There is a lot of bad advice regarding insurance coverage online, so we’re going to give you some great ideas on how to slash your insurance coverage rates.

How to Compare Auto Insurance Costs

Shopping for lower auto insurance rates can take hours if you don’t know the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you could save time and use online quoting for quick rates.

Most of the best insurance companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and each participating company then returns a price quote based on that data. This system prevents you from having to do form submissions for each company you want a rate for.

To participate in this free quote system, click here (opens in new window).

The one downside to pricing coverage this way is you can’t choose the insurers you want pricing from. So if you prefer to choose from a list of companies to request quotes from, we have a page of companies who write auto insurance in your area. Click here to view list.

It’s up to you which method you use, but be sure to compare the exact same deductibles and coverage limits for each price quote. If you have mixed coverages it will be very difficult to make a fair comparison for your Jeep Grand Wagoneer. Just a small difference in limits can mean a large discrepancy in price. It’s important to know that comparing a large number of companies will increase your chances of finding the best rates.

Different people need different coverages

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions might point out whether your personal situation might need an agent’s assistance.

Are my friends covered when driving my car?
Should I get collision insurance on every vehicle?
Does my policy cover me when driving someone else’s vehicle?
Can I rate high risk drivers on liability-only vehicles?
Do I have newly-aquired coverage?
Is rental equipment covered for theft or damage?
Is a fancy paint job covered?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Do I need an umbrella policy?
What discounts do I qualify for?

If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Auto insurance coverages explained

Learning about specific coverages of a auto insurance policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages offered by auto insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, damage from flooding and rock chips in glass. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

Collision insurance covers damage to your Grand Wagoneer resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as sustaining damage from a pot hole, crashing into a building, hitting a parking meter, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills like pain medications, prosthetic devices, chiropractic care, doctor visits and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Liability car insurance

This coverage protects you from damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for 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 might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like medical expenses, bail bonds and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Jeep Grand Wagoneer.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.