Lower Your 1999 Jeep Grand Cherokee Car Insurance Quotes

Want cheaper insurance coverage rates for your Jeep Grand Cherokee? If you are new to online insurance coverage, there’s a good chance you are confused by the vast assortment of online companies all claiming to save you money.

You should make it a habit to price shop coverage before your policy renews because insurance coverage rates change regularly. Just because you had the best rate for Grand Cherokee coverage at your last renewal there is a good chance you can find better prices now. There are lots of tips to save on insurance coverage online but you can learn some of the best techniques to stop overpaying for insurance.

More discounts mean affordable premiums

Properly insuring your vehicles can get expensive, but you might already qualify for some discounts that you may not even know about. Certain credits will be shown when you purchase, but some must be asked about before being credited.

• Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
• Full Payment Discount – If you pay your entire premium ahead of time rather than paying monthly you can avoid the installment charge.
• Auto/Life Discount – Not all companies offer life insurance, but some may give you a discount if you purchase some life insurance too.
• Senior Citizen Discount – Mature drivers can possibly qualify for reduced rates for Grand Cherokee coverage.
• Sign Online – Certain companies will discount your bill up to fifty bucks for completing your application on the internet.
• Driver’s Ed – Require your teen driver to enroll in driver’s education if offered at their school.
• Telematics Data – People who choose to allow companies to spy on driving patterns by using a telematics device in their vehicle like Allstate’s Drivewise might see lower rates if their driving habits are good.
• Seat Belt Discounts – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.

A few companies who may offer many of the previously listed discounts are:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

When getting a coverage quote, ask all the companies to apply every possible discount. Discounts may not apply to policyholders in your state. To choose companies who offer free insurance coverage quotes, click here.

Lower your insurance prices

Many factors are part of the equation when pricing auto insurance. Some factors are common sense like your driving record, but others are not as apparent like your vehicle usage or how financially stable you are.

Shown below are just a few of the factors used by companies to determine your premiums.

• Only buy extra coverages you need – There are a lot of extra coverages that you can get tricked into buying if you don’t pay attention. Add-on coverages like roadside assistance, death and dismemberment, and membership fees may be costing you every month. The coverages may be enticing when you first buy your policy, but if you’ve never needed them in the past get rid of them and save.
• Your credit rating is important – Credit history factor in your rate calculation. Insureds with high credit scores tend to be more responsible and file fewer claims than drivers who have lower credit scores. So if your credit history is lower than you’d like, you could save money insuring your 1999 Jeep Grand Cherokee if you improve your credit rating.
• Drive a safer car and pay less – Safer cars tend to have lower insurance rates. These vehicles reduce occupant injuries and lower injury rates means less money paid by your insurance company which can result in lower premiums.
• Lower car insurance rates with alarm systems – Selecting a car model with a theft deterrent system can earn a premium discount. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent car theft and help bring rates down.
• Insurance is expensive for younger drivers – More mature drivers are more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.Drivers with little experience are statistically shown to be less responsible when behind the wheel and because of this, their car insurance rates are much higher.
• Bundle policies and save money – Many car insurance companies will award a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount applied, you still need to compare other company rates to verify if the discount is saving money.

It’s not one size fits all

When it comes to buying adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.

• Do I have coverage if my license is suspended?
• Do I need roadside assistance coverage?
• Is borrowed equipment or tools covered if stolen or damaged?
• Do I need rental car coverage?
• Is my teen driver covered when they drive my company car?
• Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

Don’t listen to company ads

Well-known insurance companies like State Farm, Geico and Progressive continually stream television and radio advertisements. All the ads convey the message that drivers will save a bundle just by switching your policy. How does every company charge lower premium rates? Just pay attention to how they say it.

Most companies provide the lowest rates for the type of customer they prefer to insure. One example of a profitable customer might have to be a mature driver, has no tickets, and drives less than 10,000 miles a year. Someone that matches those criteria will get very good rates and will probably cut their rates substantially.

Insureds who may not quite match the ideal profile will have to pay a more expensive rate and the customer buying from someone else. If you listen closely, the ads state “customers who switch” but not “everyone who gets a quote” save that much money. That is how companies can make claims like that. This really illustrates why drivers should get insurance quotes from several different companies. It is just not possible to predict which insurance companies will have the lowest rate quotes.

Car insurance coverage information

Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Grand Cherokee.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive auto coverage

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, rock chips in glass and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like EMT expenses, funeral costs, X-ray expenses and dental work. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage covers 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, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for things such as repair costs for stationary objects, medical expenses, legal defense fees and attorney fees. How much coverage you buy is a personal decision, but buy as much as you can afford.

What is YOUR best insurance company?

Cheaper auto insurance is possible on the web and from local agencies, so you need to shop insurance with both to have the best rate selection. A few companies may not provide the ability to get quotes online and most of the time these smaller companies sell through independent agencies.

Throughout this article, we presented many tips how you can shop for 1999 Jeep Grand Cherokee insurance online. The most important thing to understand is the more price quotes you have, the higher your chance of finding cheap insurance. Drivers may discover the best rates are with the smaller companies.

Consumers change insurance companies for a variety of reasons including denial of a claim, high prices, poor customer service and even an unsatisfactory settlement offer. No matter why you want to switch, finding a new auto insurance company is less work than it seems.

Helpful resources

• Comprehensive Coverage (Liberty Mutual)
• Credit and Insurance Scores (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)