1994 Jeep Grand Cherokee Insurance Rates

Buyers have many options when searching for the lowest priced Jeep Grand Cherokee insurance. They can either waste time driving around to compare prices or utilize the internet to get rate quotes. There is a better way to buy insurance coverage so we’re going to tell you the absolute fastest way to get price quotes for a Jeep and obtain the best price possible from local insurance agents and online providers.

Finding Auto Insurance

Reducing your 1994 Jeep Grand Cherokee insurance rates can be relatively painless. Consumers just need to invest a little time comparing rate quotes provided by online insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  • The easiest and least time consuming way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This form keeps you from doing a different quote for each company you want a rate for. One simple form will return price quotes direct from many companies. Recommended for those who want to invest the least amount of time.
  • A more difficult way to get quotes online is going to each individual company website to request a price quote. For sake of this example, we’ll pretend you want comparison quotes from Liberty Mutual, State Farm and American Family. To get each rate you have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  • The most time-consuming method of getting rate comparisons is to spend your day driving to local insurance agencies. Shopping for auto insurance online makes this process obsolete unless you prefer the professional advice only provided by licensed agents. You can, however, find lower rates online and still use a local agent and we’ll talk about that later.

Which method you use is up to you, but make absolute certain that you use exactly the same coverage limits and deductibles for every company. If you use unequal deductibles or liability limits it’s not possible to determine the best price for your Jeep Grand Cherokee.

Factors that might impact rates for a Jeep Grand Cherokee

Smart consumers have a good feel for the rating factors that come into play when calculating your insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that could result in much lower annual insurance costs.

The list below includes a partial list of the pieces that factor into premiums.

  • Low deductibles can be expensive – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Jeep from damage. Some examples of claims that would be covered could be running into the backend of another car, vandalism, and windstorm damage. Your deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more money the insured has to pay upfront, the less your company will charge you for insurance for Grand Cherokee insurance.
  • Pleasure use saves money – Driving more miles in a year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based upon how you use the vehicle. Cars left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your insurance coverage properly reflects the proper vehicle usage. Incorrect usage on your Grand Cherokee can cost quite a bit.
  • Careful drivers pay lower rates – Drivers who don’t get tickets get better rates than people who have multiple driving citations. Only having one moving violation can bump up the cost twenty percent or more. If you have severe violations such as DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • You might want pay the small claims yourself – Insurance companies generally give better rates to people who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Liability coverage is cheap – The liability section of your policy provides coverage when you are found liable for causing damage or personal injury in an accident. It provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.

Take discounts and save

Auto insurance companies don’t always publicize every discount in a way that’s easy to find, so we took the time to find some of the best known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Safety Course Discount – Successfully completing a driver safety course could save 5% or more if you qualify.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Grand Cherokee insurance depending on your company.
  • Club Memberships – Belonging to certain professional organizations may earn a discount when buying insurance coverage for Grand Cherokee insurance.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Homeowners Savings – Being a homeowner may trigger a insurance coverage policy discount because owning a home shows financial diligence.
  • Student in College – Any of your kids who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Senior Citizens – Mature drivers can possibly qualify for better insurance coverage rates for Grand Cherokee insurance.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Paperless Signup – A few companies give back up to $50 for buying a policy and signing up online.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Jeep could be rewarded with discounted rates on garaged vehicles.

As a disclaimer on discounts, most credits do not apply the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way.

For a list of insurers offering insurance coverage discounts, click this link.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions may help you determine whether you would benefit from an agent’s advice.

  • What is the difference between comprehensive and collision coverage?
  • Does car insurance cover theft of personal property?
  • What if I total my 1994 Jeep Grand Cherokee and owe more than it’s worth?
  • How much can I save by bundling my policies?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I have a commercial auto policy?
  • Will my rates increase for filing one claim?
  • Am I covered when driving someone else’s vehicle?
  • What is PIP insurance?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages for a 1994 Jeep Grand Cherokee

Understanding the coverages of insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, damage from getting keyed, vandalism, a tree branch falling on your vehicle and hail damage. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Jeep Grand Cherokee.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for collisions

Collision insurance will pay to fix damage to your Grand Cherokee caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with another moving vehicle, crashing into a building, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like prosthetic devices, chiropractic care and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability

This coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as pain and suffering, medical expenses and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Smart consumers save more

People leave their current company for a variety of reasons including policy cancellation, being labeled a high risk driver, an unsatisfactory settlement offer and even policy non-renewal. It doesn’t matter what your reason, finding the right car insurance provider can be easier than you think.

As you shop your coverage around, it’s very important that you do not skimp on coverage in order to save money. There have been many cases where an accident victim reduced liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage for the lowest price.

Lower-priced 1994 Jeep Grand Cherokee insurance can be purchased from both online companies as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some companies don’t offer online price quotes and these regional insurance providers work with independent agents.

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