How Much Does 1997 Jeep Grand Cherokee Insurance Cost?

Want better insurance rates? Drivers have a choice when trying to find affordable Jeep Grand Cherokee insurance. You can either waste hours struggling with agents to compare prices or use the internet to make rate comparisons.

There is a better way to compare insurance rates and you need to know the best way to get price quotes for a new or used Jeep and find the cheapest rates from local insurance agents and online providers.

Consumers need to get comparison quotes yearly because prices change frequently. Despite the fact that you may have had the best rate on Grand Cherokee coverage on your last policy the chances are good that you can find a lower premium rate today. There is a lot of bad advice regarding insurance online, but you can learn a lot of great tips on how to save money.

If you are insured now or are shopping for new coverage, you can use these tips to find the best rates while maximizing coverage. This information will help you learn how to effectively get price quotes and some tricks to saving. Drivers only need to know the proper methods to compare price quotes online.

Compare insurance coverage quotes

Finding a better price on insurance coverage is a fairly straight forward process. All that’s required is to spend a few minutes on the computer comparing free insurance coverage quotes to discover which company has the cheapest insurance coverage quotes. This can be done by using one of the methods below.

The most recommended method consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This style of form saves time by eliminating separate quotes for every prospective company. Completing one form will get you rate comparisons from multiple companies.It’s the quickest way to get rates.

A slightly less efficient method to analyze rates requires visiting each company’s website and fill out a new quote form. For sake of this example, we’ll pretend you want to compare USAA, Farmers and Travelers. You would have to spend time on each company’s site and repeatedly enter your information, which is why first method is reommended. For a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but make sure you compare apples-to-apples coverage data for each quote you get. If you use differing limits then you won’t be able to determine which company has the best rates.

Do you qualify for discount car insurance?

Companies offering auto insurance don’t necessarily list every discount very well, so we took the time to find a few of the more well known in addition to some of the lesser obvious credits that may apply to you. If you check and find you aren’t receiving every discount available, it’s possible you qualify for a lower rate.

• Mature Driver Discount – If you qualify as a senior citizen, you may receive better car insurance rates on Grand Cherokee coverage.
• Military Discounts – Being deployed with a military unit may qualify for rate reductions.
• E-sign – Some of the larger companies will discount your bill up to fifty bucks shop insurance coverage over the internet.
• Student in College – living away from home attending college and don’t have a car could qualify for this discount.
• Bundle and Save – When you have multiple policies and place coverage with the same company you could save as much as 10 to 15 percent.

A quick disclaimer, most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though it appears you can get free auto insurance, it doesn’t quite work that way.

A list of car insurance companies and a selection of discounts can be found below.

• Geico offers discounts including federal employee, five-year accident-free, multi-vehicle, multi-policy, military active duty, and seat belt use.
• Travelers may offer discounts for payment discounts, good student, multi-policy, IntelliDrive, continuous insurance, and student away at school.
• Farm Bureau may have discounts that include good student, youthful driver, 55 and retired, multi-policy, safe driver, and multi-vehicle.
• Liberty Mutual offers discounts for teen driver discount, new graduate, hybrid vehicle, newly married, multi-policy, preferred payment discount, and exclusive group savings.
• American Family includes discounts for Steer into Savings, accident-free, good student, TimeAway discount, air bags, defensive driver, and good driver.
• Progressive may include discounts for multi-vehicle, good student, online quote discount, homeowner, continuous coverage, multi-policy, and online signing.

Before you buy a policy, ask every prospective company how many discounts you can get. All car insurance discounts might not be offered in your state. For a list of providers offering car insurance discounts, click this link.

What insurance coverages do I need?

When choosing adequate coverage for your vehicles, there is no cookie cutter policy. Each situation is unique.

These are some specific questions can aid in determining whether your personal situation might need an agent’s assistance.

• What is roadside assistance coverage?
• If my pet gets injured in an accident are they covered?
• Is my business laptop covered if it gets stolen from my vehicle?
• Is borrowed equipment or tools covered if stolen or damaged?
• What is the minimum liability in my state?
• Am I covered if I wreck a rental car?
• Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Learn how to quote auto insurance at a discount

One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that help calculate auto insurance rates. When you understand what controls the rates you pay, this empowers consumers to make smart changes that can help you get cheaper rates.

The factors shown below are some of the major factors that factor into your rates.

• Consider raising comp and collision deductibles – Insurance for physical damage to your car, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Examples of some claims that would be covered would be colliding with a building, hitting a deer, and burglary. Physical damage deductibles are how much you are willing to pay if a covered claim is submitted. The more money the insured is willing to pay, the less money you will pay for auto insurance on Grand Cherokee coverage.
• Your age impacts your prices – Older drivers are more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.Drivers with little experience have been known to be careless and easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates.
• Do you really need to file that auto insurance claims? – Insurance companies give most affordable rates to people who file claims infrequently. If you tend to file frequent claims, you can definitely plan on higher rates. Your insurance policy is intended for the large, substantial claims.
• No policy lapses saves money – Driving any period of time without insurance is a misdemeanor and you may have a hard time finding new coverage because you let your coverage have a gap. And not only will insurance be more expensive, getting caught without coverage could earn you a license revocation or jail time. You could then be forced to prove you have insurance by filing a SR-22 with your state DMV.

Auto insurance coverages 101

Understanding the coverages of auto insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills such as chiropractic care, rehabilitation expenses, nursing services and pain medications. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Jeep Grand Cherokee.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with another moving vehicle, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Coverage for liability

This protects you from damage or injury you incur to other’s property or people by causing an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things such as structural damage, funeral expenses, bail bonds and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Comprehensive auto coverage

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

Comprehensive can pay for claims like fire damage, rock chips in glass, falling objects, hitting a deer and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

A fool and his money are soon parted

Drivers change insurance companies for many reasons like not issuing a premium refund, an unsatisfactory settlement offer, delays in responding to claim requests or high prices. It doesn’t matter why you want to switch finding the right car insurance provider is not as hard as you think.

You just read some good ideas how you can lower your 1997 Jeep Grand Cherokee insurance prices. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the lowest priced car insurance comes from a small local company.

Lower-priced car insurance is available online in addition to many insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who may not offer the ability to get a quote online and usually these smaller companies only sell through independent agents.

Other learning opportunities

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Understanding Your Insurance Deductible (Insurance Information Insitute)