1993 Jeep Grand Cherokee Insurance Quotes – 7 Ways to Save

Overwhelmed by the crazy number of car insurance company choices? You’re not the only one! Consumers have so many options available that it can quickly become a big hassle to locate the lowest price.

Fast and Easy Car Insurance Quotes

Comparing car insurance rates can take time and effort if you don’t understand the easiest way. You could waste time driving to local insurance agents in your area, or you can stay home and use online quoting to get prices fast.

Most major companies belong to a marketplace that allows shoppers to send in one quote, and each company then gives them pricing. This prevents consumers from doing quote forms to each individual car insurance company.

To enter your information into the quoting system, click to open in new window.

The one disadvantage to comparing rates this way is you can’t choose the providers you want pricing from. So if you want to select from a list of companies to request quotes from, we have assembled a list of car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using identical coverages and limits for every company. If you enter mixed coverages then you won’t be able to determine the lowest rate for your Jeep Grand Cherokee. Quoting even small variations in insurance coverages can make a big difference in price. Just remember that having more price comparisons will improve the odds of getting the best rates.

Discounts are available to cut your rates

Car insurance companies don’t always publicize all available discounts very well, so we took the time to find some of the best known as well as the least known ways to save on insurance.

• Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
• Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
• No Accidents – Drivers who don’t have accidents can save substantially when compared with accident-prone drivers.
• Multiple Vehicles – Insuring multiple vehicles on one policy can get a discount on all vehicles.
• 55 and Retired – If you qualify as a senior citizen, you may receive better insurance rates for Grand Cherokee coverage.
• Auto/Home Discount – If you have multiple policies with one insurance company you will save 10% to 20% off each policy.

Keep in mind that many deductions do not apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way.

To see a list of insurance companies offering insurance discounts, click this link.

Everyone needs different coverages

When it comes to buying coverage, there really is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

• How much liability do I need to cover my assets?
• Should I bundle my homeowners policy with my auto?
• Are rock chip repairs covered?
• I have a DUI can I still get coverage?
• Do I need special endorsements for business use of my vehicle?
• Is other people’s property covered if stolen from my vehicle?
• Do I pay less if my vehicle is kept in my garage?
• What is PIP insurance?
• Does medical payments coverage apply to all occupants?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance policy specifics

Knowing the specifics of auto insurance helps when choosing the best coverages for your vehicles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage 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. This is the reason having UM/UIM coverage is very important.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as rolling your car, crashing into a building, driving through your garage door and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills like pain medications, ambulance fees, prosthetic devices and dental work. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Auto liability insurance – Liability coverage protects you from damage that occurs to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like repair bills for other people’s vehicles, medical services, structural damage and bail bonds. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision) – This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, hitting a bird, damage from a tornado or hurricane and hitting a deer. The most 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.