Save on 1993 Jeep Grand Cherokee Insurance Rates

Tired of sacrificing to pay car insurance each month? You’re in the same situation as many other vehicle owners. Companies like Geico and Progressive persitently shower you with catchy ads and consumers find it hard to sift through the bull and find the best price available.

It’s a good habit to do price comparisons yearly since insurance prices tend to go up over time. Even if you got the best rate on Grand Cherokee insurance last year you will most likely find a better premium rate today. You can find a lot of wrong information about car insurance online, but in just a couple of minutes you can learn some tested techniques to lower your car insurance premiums.

How to compare car insurance quotes

There are multiple methods to shop for car insurance, but some are more efficient than others. You could waste a few hours talking to insurance companies in your area, or you could use the internet to get rates in a matter of minutes.

Most major companies are enrolled in a marketplace where prospective buyers enter their policy data once, and each company then returns a price quote based on that data. This eliminates the need for form submissions for each company.

To get comparison pricing now click here (opens in new window).

The only drawback to pricing coverage this way is you cannot specify which carriers to receive prices from. If you prefer to choose specific insurance companies to compare prices, we have a page of low cost car insurance companies in your area. Click to view list.

It’s up to you which method you use, but ensure you’re using nearly identical deductibles and coverage limits on every quote. If each company quotes different coverage information it will be nearly impossible to get a fair rate comparison.

Buy cheaper car insurance with these tips

Many things are part of the equation when you get a price on insurance. Some factors are common sense such as your driving history, but other factors are more obscure like your continuous coverage or how safe your car is.

• How much liability protection – The liability coverage on your policy is the protection when you are determined to be liable for damages from an accident. Liability provides legal defense starting from day one. It is affordable coverage compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
• Prevent your car from being stolen – Driving a car that has a built-in theft deterrent system can save you some money. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft and help bring rates down.
• Age of drivers – Teen drivers have a tendency to get distracted easily with other occupants in the car so car insurance rates are higher. Adding a teen driver to your policy can be very expensive. Mature drivers are more responsible, tend to file fewer claims and receive fewer citations.
• Are you male or female? – Over the last 50 years, statistics have shown that women are safer drivers than men. This data doesn’t prove that women are BETTER drivers than men. Men and women have accidents at a similar rate, but men cause more damage. Men also tend to have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers are the most expensive to insure and therefore have the most expensive car insurance rates.
• Claim-free discounts can add up – Companies provide lower rates to people who only file infrequent claims. If you are a frequent claim filer, you can expect either higher rates or even cancellation. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Your location is important – Living in areas with lower population has it’s advantages if you are looking for the lowest rates. City drivers have to deal with more traffic problems and a longer drive to work. Fewer drivers on the road translates into fewer accidents in addition to lower liability claims
• Do you save by driving less? – The more you drive every year the more you’ll pay to insure it. Many insurance companies apply a rate determined by how the vehicle is used. Cars used primarily for pleasure use can be on a lower rate level than cars that get driven a lot. Having an incorrect usage rating on your Grand Cherokee is throwing money out the window. Verify your car insurance coverage properly reflects the correct usage, because it can save money.

Save a ton by applying discounts

Some providers do not advertise every discount very clearly, so the below list has both the well known and also the more inconspicuous discounts that may be available. If you don’t get every credit available, it’s possible you qualify for a lower rate.

• Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
• Pay Now and Pay Less – By making one initial payment instead of paying each month you could save 5% or more.
• More Vehicles More Savings – Insuring multiple vehicles on a single policy could earn a price break for each car.
• Senior Citizen Rates – If you’re over the age of 55, you could receive a discount up to 10% on Grand Cherokee insurance.
• Life Insurance – Larger insurance companies have a break if you buy auto and life insurance together.
• Government Employees – Federal government employees could qualify for a slight premium decrease on Grand Cherokee insurance depending on your auto insurance provider.
• Safety Course Discount – Taking time to complete a driver safety class may get you a small discount if your company offers it.
• Seat Belts Save – Forcing all vehicle occupants to buckle up before driving could cut 10% or more on the premium charged for medical payments and/or PIP.

Discounts lower rates, but many deductions do not apply to the overall cost of the policy. Some only apply to individual premiums such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way.

The best auto insurance companies and a summarized list of policyholder discounts are shown below.

• Farm Bureau includes discounts for safe driver, driver training, multi-vehicle, 55 and retired, and good student.
• Liberty Mutual offers discounts for preferred payment discount, newly retired, new vehicle discount, safety features, multi-policy, and newly married.
• State Farm policyholders can earn discounts including safe vehicle, accident-free, multiple policy, passive restraint, and Drive Safe & Save.
• Auto-Owners Insurance offers discounts including paperless, anti-lock brakes, anti-theft, multiple vehicles, and group or association.
• Geico discounts include defensive driver, anti-theft, driver training, multi-policy, and anti-lock brakes.
• SAFECO may have discounts that include bundle discounts, multi-car, anti-lock brakes, accident prevention training, and teen safety rewards.

Double check with every company which credits you are entitled to. Some of the earlier mentioned discounts may not apply to policyholders in every state.

Your insurance coverage coverage should be tailored to you

When choosing coverage, there really is not a one size fits all plan. Every situation is different so your insurance should reflect that For instance, these questions can help discover if you will benefit from professional help.

• Can I rate high risk drivers on liability-only vehicles?
• What is the ISO rating for a 1993 Jeep Grand Cherokee?
• I have health insurance so do I need medical payments coverage?
• Is a new car covered when I drive it off the dealer lot?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• If my 1993 Jeep Grand Cherokee is totaled, can I afford another vehicle?

If you can’t answer these questions 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 help protect your family.

Car insurance coverages and their meanings

Having a good grasp of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types found on the average car insurance policy.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Jeep Grand Cherokee.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as EMT expenses, pain medications, funeral costs and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability insurance – This protects you from damage that occurs to a person or their property in an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as attorney fees, medical services, legal defense fees, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision – This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, hitting a bird, a tree branch falling on your vehicle and damage from getting keyed. The highest amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Final thoughts

Some companies do not provide rates over the internet and usually these small, regional companies sell through independent agents. Low-cost 1993 Jeep Grand Cherokee insurance can be purchased online and also from your neighborhood agents, and you need to price shop both to have the best selection.

As you quote insurance coverage, never reduce coverage to reduce premium. In many instances, an insured dropped comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.

Helpful resources

• Credit Impacts Car Insurance Rates (State Farm)
• Older Driver Statistics (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)