Compare 1996 Jeep Grand Cherokee Insurance Quotes

Searching for lower insurance coverage rates for your Jeep Grand Cherokee? When searching for lower-priced insurance, are you baffled by the wide range of insurance coverage choices in your area? Many other people are as well. You have so many options that it can really be a burden to find better premium rates.

Buy insurance coverage online

To find more affordable prices, there are a couple of ways to get quotes from all the different companies. The easiest way by far to do a complete rate comparison is to perform an online rate comparison. This is very easy and can be done in a couple minutes as outlined below.

The simplest way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This form keeps you from doing multiple quote forms for every company. Completing one form gets rate comparisons from insurance coverage companies with the best prices. It’s definitely the quickest method.

A more time consuming way to find more affordable insurance requires a visit to each company website and get a separate price quote. For instance, let’s say you want to view quotes from Farmers, State Farm and Progressive. In order to compare rates, you need to go to every website to input your insurance information, and that’s why the first method is more popular. For a list of companies in your area, click here.

How you compare quotes is your choice, just ensure you’re using the same coverage information with each company. If you compare differing limits you can’t possibly get a fair rate comparison. Just slight variations in insurance coverages could mean much higher rates. Keep in mind that obtaining a wide range of quotes will improve the odds of getting lower pricing.

Advertising and insurance coverage

Respected companies like State Farm, Geico and Progressive endlessly run ads on TV and radio. They all seem to make an identical promise that drivers can save some big amount after switching to their company. How is it plausible that every one can save you money? Just pay attention to how they say it.

Insurance companies quote their cheapest rates for the type of driver that is profitable for them. For example, a desirable risk might be a female over age 40, has never had a policy lapse, and drives newer vehicles. Any customer that meets those criteria receive the lowest rate quotes and therefore will save quite a bit of money when switching.

Drivers who fall outside these stringent criteria will be charged higher prices with the end result being business going elsewhere. If you listen closely, the ads state “people who switch” not “everybody who quotes” save that much money. This is how insurance companies can claim big savings.

Because of this risk profiling, you need to do a rate comparison at every renewal. It’s just not possible to know which insurance coverage company will have the lowest rate quotes.

Informed drivers know how to quote insurance for less

Many things are part of the equation when quoting car insurance. Some factors are common sense such as your driving history, although others are not quite as obvious like your vehicle usage or your financial responsibility.Smart consumers have a good feel for the factors that come into play when calculating your policy premiums. When you know what positively or negatively influences your rates, this enables you to make decisions that will entitle you to much lower annual insurance costs.

• Prices for men may be higher – Statistics show females are less aggressive when driving. This data doesn’t prove that females are better drivers. Men and women are responsible for accidents in similar percentages, but the male of the species get into accidents with more damage. Not only are claims higher, but men get more serious tickets such as reckless driving.
• How much liability do you need? – Liability coverage will provide protection if you are found to be at fault for causing damage or personal injury in an accident. It will provide you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
• Keep the miles off and save – Driving a lot of miles every year the more you’ll pay to insure your vehicle. Most insurance companies calculate prices based upon how much you drive. Cars and trucks that have low annual miles can get a lower rate as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your insurance coverage shows how each vehicle is driven. Having the wrong rating on your Grand Cherokee may be costing you.
• Insurance rates may be lower depending on your job – Occupations such as doctors, architects and miners are shown to have the highest average rates because of intense work situations and lots of time spent at work. On the flip side, careers such as farmers, historians and retirees get better rates on Grand Cherokee insurance.

Take policy discounts and save

Some insurers don’t list every discount very clearly, so here is a list both well-publicized and the harder-to-find insurance savings.

• Safe Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates on Grand Cherokee insurance than less cautious drivers.
• College Student Discount – College-age children who attend college more than 100 miles from home without a vehicle on campus may qualify for this discount.
• Discounts for Federal Employees – Active or former government employment could qualify for a slight premium decrease on Grand Cherokee insurance with some insurance companies.
• Discount for Life Insurance – Insurance carriers who offer life insurance give lower insurancerates if you buy life insurance.
• More Vehicles More Savings – Drivers who insure primary and secondary vehicles with the same insurance company can reduce the rates for all insured vehicles.
• Homeowners Pay Less – Owning a house can earn you a little savings since owning and maintaining a home requires personal responsibility.
• Seat Belts Save – Requiring all passengers to buckle up before driving could cut 10% or more off the PIP or medical payment premium.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, you’re out of luck. But all discounts should help reduce the cost of your policy.

Companies and their possible discounts can be read below.

• Progressive offers premium reductions for multi-policy, continuous coverage, good student, online signing, multi-vehicle, and homeowner.
• Geico offers discounts including daytime running lights, multi-vehicle, military active duty, driver training, good student, and anti-lock brakes.
• State Farm may include discounts for Drive Safe & Save, anti-theft, good student, driver’s education, safe vehicle, and defensive driving training.
• Esurance may have discounts that include safety device, paid-in-full, homeowner, claim free, DriveSense, Switch & Save, and good driver.
• The Hartford has savings for bundle, anti-theft, vehicle fuel type, good student, air bag, driver training, and defensive driver.

If you are trying to find the cheapest auto insurance quotes, ask every insurance company which credits you are entitled to. Some discounts may not be available in your state. To locate insurers that offer multiple discounts, click here to view.

Which policy gives me the best coverage?

When it comes to choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

These are some specific questions might point out whether you may require specific advice.

• Does my policy cover me when driving someone else’s vehicle?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Is my teenager covered with friends in the car?
• Why am I required to buy high-risk coverage?
• How does medical payments coverage work?
• Do I need an umbrella policy?
• Am I covered when delivering products for my home-based business?
• How can I find cheaper teen driver insurance?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form.

Coverages available on your policy

Knowing the specifics of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Jeep Grand Cherokee.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for immediate expenses such as X-ray expenses, rehabilitation expenses, doctor visits, pain medications and funeral costs. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, rock chips in glass, damage from getting keyed and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision – This coverage pays for damage to your Grand Cherokee caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like scraping a guard rail, colliding with a tree, driving through your garage door, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Auto liability insurance – Liability insurance protects you from damages or injuries you inflict on other’s property or people in an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like medical expenses, attorney fees, medical services and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Final thoughts

Drivers switch companies for any number of reasons including questionable increases in premium, delays in paying claims, unfair underwriting practices or extreme rates for teen drivers. No matter why you want to switch, switching companies is easier than you think.

Cheap 1996 Jeep Grand Cherokee insurance can be found from both online companies and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not offer online price quotes and most of the time these regional insurance providers provide coverage only through local independent agents.

You just read many ways to save on 1996 Jeep Grand Cherokee insurance. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Drivers may discover the best price on insurance is with a company that doesn’t do a lot of advertising.

More articles

• State Laws for Cellphones and Texting (iihs.org)
• Teen Driving Statistics (Geico)
• Drunk Driving Statistics (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• Shopping for a Safe Car (Insurance Information Insitute)