1993 Jeep Grand Wagoneer Car Insurance Cost

Tired of being strong-armed each month for car insurance? You are no different than many other drivers. Consumers have many car insurance companies to insure vehicles with, and although it’s a good thing to have multiple companies, it can be more challenging to compare company pricing.

It’s smart to compare prices every six months since insurance rates are constantly changing. If you had the best price on Grand Wagoneer coverage six months ago you may be paying too much now. Ignore everything you know about insurance because we’re going to demonstrate the things you must know in order to find better coverage at a better price.

Discounts to lower 1993 Jeep Grand Wagoneer insurance rates

Car insurance is not cheap, but there are discounts available that you may not even be aware of. Some trigger automatically at quote time, but some must be inquired about prior to receiving the credit. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • One Accident Forgiven – A few companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off on Grand Wagoneer coverage with select insurance companies.
  • Auto/Home Discount – When you have multiple policies with one insurance company you may earn up to 20% off your total premium.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current policy expires. The savings is around 10%.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
  • Homeowners Pay Less – Being a homeowner can save you money because owning a home requires personal responsibility.
  • Life Insurance Discount – Some companies give a discount if you purchase a life insurance policy as well.

It’s important to note that most credits do not apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will cut the amount you have to pay.

Car insurance companies that may offer these discounts include:

Check with each insurance company what discounts are available to you. Discounts might not apply in your area.

Car Insurance Comparison Rates

Finding a lower price on 1993 Jeep Grand Wagoneer insurance can be surprisingly simple. The only requirement is to spend a few minutes to get quotes online from several insurance companies. This is very easy and can be done in several different ways.

The best way to find low rates is a comparison rater form like this one (opens in new window). This form saves time by eliminating a different quote for each company. Taking the time to complete one form gets rate comparisons direct from many companies.

A more difficult way to get quotes online is to take the time to go to each company website to request a price quote. For example, we’ll assume you want comparison quotes from Progressive, State Farm and GMAC. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

The most time-consuming method to get comparison rates is to spend time driving to and from local insurance agencies. The internet has reduced the need for local agents unless you want the personal advice of a licensed agent. You can, however, obtain prices from the web and still use a local agent and you’ll learn how to do that later.

Whichever method you choose, ensure you are comparing exactly the same information for each price quote. If each company quotes higher or lower deductibles you can’t possibly determine the lowest rate for your Jeep Grand Wagoneer.

Jeep Grand Wagoneer insurance premiums are calculated by many factors

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for auto insurance. Understanding what controls the rates you pay enables informed choices that could result in better auto insurance rates.

  • Your car’s features help determine rates – Choosing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • Too many auto insurance claims drive up costs – If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Insurance companies award better rates to insureds who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of larger claims.
  • Battle of the sexes – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both sexes tend to get into accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations such as reckless driving.
  • Occupation reflects on rates – Did you know your auto insurance rates can be affected by your occupation? Jobs such as doctors, business owners and financial analysts have higher average rates in part from job stress and lots of time spent at work. Conversely, professions such as farmers, engineers and performers get better rates on Grand Wagoneer coverage.
  • A lapse in coverage is a bad thing – Driving with no insurance is against the law and you will pay a penalty because you let your coverage lapse. Not only will you pay more, but being ticketed for driving with no insurance might get you a license revocation or jail time.
  • Choose a safe vehicle and save – Vehicles with high crash test scores tend to have better insurance rates. Safer cars result in less severe injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Jeep has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Discounts for multiple policies – Some insurance companies give discounts to policyholders who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare rates to verify if the discount is saving money. Drivers may still find a better deal by buying insurance from more than one company.
  • Pleasure use saves money – The more miles you rack up on your Jeep every year the higher your rates will be. Most insurance companies charge to insure your cars based on how the vehicle is used. Vehicles not used for work or commuting qualify for better rates than vehicles that are driven to work every day. If your policy improperly rates your Grand Wagoneer can result in significantly higher rates. Ask your agent if your auto insurance policy properly reflects how each vehicle is driven.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions can help discover if your situation would benefit from professional advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need higher collision deductibles?
  • What is the rate difference between pleasure use and commuting?
  • Do I have newly-aquired coverage?
  • Is business equipment covered while in my vehicle?
  • Is my Jeep Grand Wagoneer covered if I use it for business?
  • What is PIP insurance?
  • When would I need rental car insurance?
  • Which is better, split liability limits or combined limits?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Can switching companies really save?

Consumers can’t get away from ads for car insurance savings from the likes of Allstate and Progressive. All the ads make an identical promise that you can save if you move your coverage to them.

How does each company make almost identical claims? This is how they do it.

All companies have a preferred profile for the driver that is profitable for them. For instance, a desirable insured might be profiled as between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” is entitled to the best price and most likely will save quite a bit of money when switching.

Potential customers who don’t measure up to the “perfect” profile must pay higher premiums which usually ends up with the customer not buying. The ad wording is “customers who switch” not “everybody who quotes” save that much. This is how companies can make those claims.

This illustrates why drivers should get quotes from several different companies. Because you never know which insurance companies will have the lowest Jeep Grand Wagoneer insurance rates.

Coverages available on your policy

Understanding the coverages of insurance aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, pain medications, X-ray expenses and prosthetic devices. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Jeep Grand Wagoneer.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as damaging your car on a curb, crashing into a building, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive insurance – This covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as vandalism, theft and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverages – Liability insurance can cover damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as court costs, emergency aid and medical expenses. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Buy online or local, you save

We’ve covered some good ideas how you can get a better price on 1993 Jeep Grand Wagoneer insurance. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even find the most savings is with an unexpected company. They may only write in your state and offer lower rates than the large multi-state companies such as State Farm or Progressive.

Cost effective insurance is attainable online and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. A few companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Additional information can be read on the following sites: