1991 Jeep Grand Wagoneer Insurance Rates

Searching for cheaper car insurance rates for your Jeep Grand Wagoneer? Comparing insurance quotes online may seem complicated initially if you are like most people and have never completed online quotes. But don’t be confused because using the internet to shop for car insurance is actually quite easy.

You need to do price comparisons once or twice a year since rates are variable and change quite frequently. If you had the best premium rates on Grand Wagoneer insurance two years ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to find out one of the quickest ways to reduce your cost while improving coverage.

This information will introduce you to how to get online quotes and some tips to save money. If you currently have car insurance, you should be able to save some money using these methods. Nevertheless, consumers do need to learn the way companies sell online and use this information to your advantage.

Why smart consumers pay less for Jeep Grand Wagoneer insurance

When buying car insurance it’s important to understand the different types of things that help calculate your policy premiums. If you know what positively or negatively impacts your premiums, this enables informed choices that could help you find better car insurance rates.

• Filing car insurance claims can cost you – Car insurance companies give cheaper rates to policyholders who file claims infrequently. If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is designed for major claims that would cause financial hardship.
• Men pay more for insurance – Over the last 30 years, statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Both sexes are in fender benders at about the same rate, but men have costlier accidents. Not only are claims higher, but men get higher numbers of serious violations like DUI and reckless driving.
• Consolidate and save – Most larger insurers allow a discount to clients that purchase more than one policy, otherwise known as a multi-policy discount. The discount can add up to as much as ten percent or more If you currently are using one company, it’s in your best interest to compare other insurance prices to help ensure you have the lowest rates.
• Bad credit hurts insurance prices – An insured’s credit score factor in calculating your car insurance rates. So if your credit is not that good, you could potentially save money when insuring your 1991 Jeep Grand Wagoneer by improving your rating. People with excellent credit scores tend to be less risk to insure than drivers with lower credit scores.
• Employer stress can affect prices – Occupational choices like judges, architects and medical professionals generally have higher rates than average in part from high stress levels and incredibly demanding work hours. Other jobs such as professors, athletes and performers pay lower than average rates on Grand Wagoneer insurance.
• Safer vehicles save money – Safe vehicles can get you lower premiums. These vehicles reduce injuries and fewer serious injuries translates directly to fewer claims and thus lower rates. If your Jeep Grand Wagoneer is rated at a minimum four stars on Safercar.gov it may cost less to insure.
• Car insurance liability coverage limits – Liability coverage will provide protection when you are responsible for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage which can be incredibly expensive. Liability insurance is pretty cheap as compared to coverage for physical damage, so do not cut corners here.

How to shop insurance online

There are multiple methods to compare insurance quotes, but one way is more efficient than others. You could spend the better part of a day driving to insurance companies in your area, or you could use online quoting to get the quickest rates.

Many insurance companies belong to a marketplace that enables customers to send in one quote, and at least one company returns a rated price determined by their information. This system prevents you from having to do form submissions to each individual insurance company. To participate in this free quote system, click here to open in new window.

The one downside to getting quotes like this is that you can’t choose which insurance companies you will receive quotes from. If you prefer to choose specific providers to request quotes from, we have a page of the cheapest insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, try to use identical coverage information for each quote you get. If you compare mixed coverages it will be very difficult to make an equal comparison. Just a small difference in coverages can mean a large discrepancy in price. It’s important to know that obtaining a wide range of quotes helps you find better pricing.

Don’t miss with these discounts

Some companies don’t always list the entire discount list in a way that’s easy to find, so the following list contains a few of the more well known and also the lesser-known discounts you could be receiving when you buy insurance online.

• First Accident Forgiveness – This one is not really a discount per se, but some companies like Progressive and Allstate allow you one accident before they charge you more for coverage with the catch being you have to be claim-free prior to the accident.
• Driver’s Education for Students – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
• Defensive Driving Course – Taking part in a safe driver class could possibly earn you a 5% discount and easily pay for the cost of the class.
• Telematics Data Discounts – People who choose to allow their insurance company to spy on driving patterns remotely such as Progressive’s Snapshot could save a few bucks as long as they are good drivers.
• Paperless Signup – Some auto insurance companies give back up to $50 just for signing your application over the internet.
• New Car Discount – Adding a new car to your policy can get you a discount since newer vehicles are generally safer.
• Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as medical payments or collision. So even though you would think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

The best auto insurance companies and a selection of discounts include:

• State Farm offers premium reductions for multiple policy, multiple autos, good driver, safe vehicle, and defensive driving training.
• Progressive includes discounts for multi-vehicle, online quote discount, online signing, multi-policy, good student, and homeowner.
• Progressive discounts include online quote discount, online signing, good student, multi-policy, and homeowner.
• MetLife offers discounts including defensive driver, claim-free, good driver, good student, multi-policy, accident-free
• Farm Bureau may include discounts for renewal discount, multi-vehicle, driver training, 55 and retired, safe driver, good student, and youthful driver.
• Geico has savings for five-year accident-free, daytime running lights, multi-policy, anti-lock brakes, and driver training.
• SAFECO has discounts for teen safety rewards, safe driver, bundle discounts, homeowner, and multi-car.

If you need cheaper insurance quotes, ask each insurance company which credits you are entitled to. Some discounts listed above might not apply in your area. To find providers offering auto insurance discounts, click this link.

Your situation helps dictate your coverage

When buying coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions can help discover if you would benefit from an agent’s advice.

• Do I need roadside assistance coverage?
• What is medical payments coverage?
• Is my babysitter covered when using my vehicle?
• What happens if I owe more than my 1991 Jeep Grand Wagoneer is worth?
• What is high-risk coverage and where do I buy it?
• Is other people’s property covered if stolen from my vehicle?
• Which is better, split liability limits or combined limits?
• Is a new car covered when I drive it off the dealer lot?
• How much liability insurance is required?
• Can I pay claims out-of-pocket if I buy high deductibles?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Educate yourself about car insurance coverages

Learning about specific coverages of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverage protection

Collision coverage covers damage to your Grand Wagoneer resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as rolling your car, scraping a guard rail, colliding with a tree, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for funeral costs, rehabilitation expenses, X-ray expenses and surgery. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your 1991 Jeep Grand Wagoneer.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Coverage for liability

Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair costs for stationary objects, medical expenses, medical services, attorney fees and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, rock chips in glass and hitting a bird. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Smart consumers save more

Insureds who switch companies do it for any number of reasons including questionable increases in premium, delays in paying claims, extreme rates for teen drivers or even being labeled a high risk driver. Whatever your reason, finding the right auto insurance provider can be less work than you think.

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. In many instances, an insured cut liability coverage limits only to find out that the few dollars in savings costed them thousands. The aim is to find the BEST coverage for the lowest cost, but do not sacrifice coverage to save money.

Throughout this article, we presented some good ideas how you can save on 1991 Jeep Grand Wagoneer insurance. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest priced auto insurance comes from some of the lesser-known companies.

Other learning opportunities

• Five Mistakes to Avoid (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)
• Teen Driving and Texting (State Farm)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)