Cheaper 1994 Jeep Grand Cherokee Insurance Cost

Are you at wits end from sacrificing other expenses to keep your car insured? You’re in the same situation as many other drivers. Due to the increasing number of insurance companies to choose from, it can be impossible to find the right company.

Lower-cost insurance rates with discounts

Some providers don’t necessarily list the complete list of policy discounts very clearly, so we researched both well-publicized and also the lesser-known ways to save on insurance.

• Active Service Discounts – Having an actively deployed family member can result in better insurance rates.
• Accident Forgiveness – Not a discount per se, but companies like Progressive, Allstate, and Liberty Mutual permit an accident before they charge you more for coverage if you are claim-free for a certain period of time.
• Driver Safety – Completing a course in defensive driver is a good idea and can lower rates and make you a better driver.
• Passenger Safety Discount – Cars that have air bags can get savings of 25 to 30%.
• Payment Method – If you pay your bill all at once instead of paying each month you can avoid the installment charge.
• Distant Student Discount – Kids who are enrolled in higher education away from home and do not have access to a covered vehicle could qualify for this discount.
• Fewer Miles Equal More Savings – Driving less can qualify you for discounted prices on garaged vehicles.
• Discounts for Federal Employees – Simply working for the federal government may qualify for a discount when you quote insurance coverage on Grand Cherokee insurance with some insurance companies.
• Memberships – Affiliation with a qualifying organization is a simple method to lower premiums on your policy.

Don’t be shocked that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. If you do the math and it seems like having all the discounts means you get insurance for free, that’s just not realistic.

To find providers that offer multiple discounts, follow this link.

Free car insurance rate quotes

Comparing car insurance rates can take time and effort if you don’t utilize the most efficient way to do it. You can waste a lot of time talking to local insurance agents in your area, or you can utilize online quotes to get rates in a matter of minutes.

Many of the larger companies participate in a marketplace that allows shoppers to enter their coverage request one time, and at least one company returns a competitive quote based on that information. This prevents consumers from doing quote forms for each company you want a rate for. To participate in this free quote system, click to open in new window.

The one downside to comparing rates this way is that consumers can’t choose which providers you want pricing from. If you wish to select specific insurance companies to receive pricing from, we have a page of car insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but make sure you compare equivalent information on every price quote you get. If you compare different values for each quote it will be very difficult to make a fair rate comparison.

Tailor your auto insurance coverage to you

When buying coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that can help discover whether you might need professional guidance.

• Should I carry comprehensive and collision coverage?
• Is my business laptop covered if it gets stolen from my vehicle?
• How high should my uninsured/underinsured coverage be in my state?
• Do I need roadside assistance coverage?
• Is business equipment covered while in my vehicle?
• Is there coverage for injuries to my pets?
• Can I make deliveries for my home business?
• What happens if I owe more than my 1994 Jeep Grand Cherokee is worth?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverage specifics

Learning about specific coverages of a auto insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on most auto insurance policies.

Coverage for liability

Liability coverage provides protection from damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims such as medical expenses, bail bonds and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for collisions

This covers damage to your Grand Cherokee resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a mailbox, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for funeral costs, EMT expenses and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family 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. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, vandalism, damage from getting keyed, hitting a deer and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Make a quick buck

Affordable 1994 Jeep Grand Cherokee insurance can be bought both online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not offer internet price quotes and many times these regional carriers only sell through local independent agents.

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The goal is to buy enough coverage at the best cost while not skimping on critical coverages.

Helpful articles

• State Laws for Cellphones and Texting (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Vehicle Safety Ratings (iihs.org)