Cheaper 1996 Jeep Grand Cherokee Insurance Rates

Locating cheaper insurance for a new or used Jeep Grand Cherokee can turn out to be a painful process, but you can follow a few tricks to make it easier.

There is a right way and a wrong way to compare insurance rates so you’re going to learn the absolute fastest way to quote coverages for a new or used Jeep and locate the cheapest rates.

It’s important to price shop coverage occasionally since insurance rates change quite often. Despite the fact that you may have had the best deal for Grand Cherokee coverage two years ago you can probably find a better price now. Starting now, ignore everything you know about insurance because you’re going to learn the best methods to remove unneeded coverages and save money.

Shopping for affordable protection is not that difficult. If you have a current insurance policy or are just looking to switch companies, you can learn to get lower rates while maintaining coverages. Drivers just need to know the most efficient way to shop over the internet.

Do you qualify for a discount?

Insurance can be prohibitively expensive, but discounts can save money and there are some available that can drop the cost substantially. Most are applied at quote time, but a few must be asked about prior to getting the savings. If you’re not getting every credit possible, you’re paying more than you need to.

Accident Free – Good drivers with no accidents pay less as compared to frequent claim filers.
Passive Restraints and Air Bags – Cars that have air bags can qualify for discounts of up to 25% or more.
Driver Safety – Taking part in a defensive driving course can save you 5% or more if you qualify.
Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less for Grand Cherokee coverage than less cautious drivers.
Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
Low Mileage – Keeping the miles down on your Jeep could qualify for a substantially lower rate.
Service Members Pay Less – Being on active duty in the military could mean lower rates.
Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
Organization Discounts – Belonging to a qualifying organization could trigger savings when shopping for car insurance for Grand Cherokee coverage.
Senior Citizens – Older drivers may qualify for a discount up to 10% for Grand Cherokee coverage.

It’s important to note that some credits don’t apply the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will bring down your overall premium however.

To see a list of insurance companies with the best car insurance discounts, click this link.

Cheap Insurance Coverage Comparisons

Getting a lower price on 1996 Jeep Grand Cherokee insurance isn’t really that difficult. Consumers just need to take the time comparing rate quotes online from several insurance companies. This can be accomplished in a couple of different ways.

One of the best ways to get quotes is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do boring form submissions to each individual insurance coverage company. A single form will get you rate comparisons instantly. Recommended for those who want to invest the least amount of time.
A more difficult way to compare rate quotes requires visiting each individual company website and request a quote. For examples sake, let’s assume you want rates from Allstate, State Farm and Geico. You would have to go to every website to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
The least efficient way to get comparison rates is to spend time driving to different agent offices. Buying insurance online has reduced the need for local agents unless you require the trained guidance that only a license agent can provide. It is possible to compare the best prices online but buy from a local insurance agent.

It doesn’t matter which method you choose, just compare the exact same quote information on every quote. If the quotes have different deductibles then you won’t be able to find the best deal for your Jeep Grand Cherokee.

These factors can influence Jeep Grand Cherokee insurance rates

It’s important that you understand some of the elements that play a part in calculating your car insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with lower car insurance prices.

Never allow your policy to lapse – Allowing your car insurance policy to lapse will be a quick way to increase your car insurance rates. Not only will you pay more, but being ticketed for driving with no insurance will get you a steep fine or even jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with your state DMV.
Do you need the policy add-ons? – There are a lot of extra bells and whistles that you can buy when buying car insurance. Things like personal injury protection, towing coverage and additional equipment coverage are examples of these. These coverages may sound good initially, but now you might not need them so remove them from your policy.
Being married is a good thing – Having a spouse can actually save you money on your car insurance policy. Having a significant other is viewed as being more mature than a single person and it’s statistically proven that married couples file fewer claims.
Discounts for multiple policies – Many insurance companies will give a discount to people who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare other company rates to verify if the discount is saving money.
Rate your vehicle for proper use – The more you drive every year the more you will pay for car insurance. Almost all companies charge to insure your cars based upon how you use the vehicle. Vehicles left parked in the garage get more affordable rates than vehicles that are driven to work every day. An improperly rated Grand Cherokee may be wasting your money. Make sure your car insurance policy is showing the correct driver usage.
Adjust deductibles and save – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Jeep. Examples of covered claims are a windshield shattered by a rock, collision with an animal, or theft. Physical damage deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more money you’re willing to pay, the lower your rates will be for Grand Cherokee coverage.
Older drivers save more – More mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Young drivers are statistically proven to get distracted easily when driving and because of this, their car insurance rates are much higher.
Cautious drivers pay less – Whether or not you get tickets has a big impact on rates. Only having one ticket can increase rates by twenty percent. Good drivers tend to pay less for car insurance compared to drivers with tickets. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.

What coverages do I need?

When buying adequate coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

These are some specific questions might point out whether you would benefit from professional advice.

Am I covered if I hit a deer?
How can I get my company to pay me more for my totalled car?
Which is better, split liability limits or combined limits?
Does medical payments coverage apply to all occupants?
Why am I be forced to buy a membership to get insurance from some companies?
Do I pay less for low miles?
Can I drive in Mexico and have coverage?
Do I need higher collision deductibles?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Are you falling for claims of savings?

Consumers can’t get away from ads for the lowest price auto insurance by companies like Progressive, Geico, Allstate and State Farm. All the companies have a common claim that you’ll save big after switching to them.

How does each company claim to save you money? It’s all in the numbers.

All the different companies are able to cherry pick for the right customer that is profitable for them. A good example of a driver they prefer could be over the age of 50, insures multiple vehicles, and has a short commute. A propective insured who meets those qualifications will get very good rates and therefore will pay quite a bit less when switching companies.

Potential insureds who don’t meet this ideal profile will have to pay more money which usually ends up with business going elsewhere. The ads state “people who switch” not “people who quote” save that kind of money. That’s why insurance companies can confidently make those claims.

Because of the profiling, drivers must get as many comparisons as possible. It’s just too difficult to predict the company that will fit your personal profile best.

Coverage specifics

Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Coverage for collisions

Collision insurance will pay to fix damage to your Grand Cherokee resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, driving through your garage door, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from a tornado or hurricane, damage from flooding, theft and rock chips in glass. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

Liability insurance will cover damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like bail bonds, medical services and loss of income. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Coverage for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses such as funeral costs, hospital visits, surgery and doctor visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Feed the piggy bank

Low-cost 1996 Jeep Grand Cherokee insurance can be purchased from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.

Drivers switch companies for any number of reasons including high rates after DUI convictions, denial of a claim, delays in paying claims and questionable increases in premium. It doesn’t matter why you want to switch finding a new insurance company is not as difficult as it may seem.

When shopping online for insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, an insured cut physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to purchase plenty of coverage for the lowest price.