1997 Jeep Grand Cherokee Insurance Quotes

Searching for the cheapest car insurance rates for your Jeep Grand Cherokee? Price shopping your car insurance is always hard for consumers not familiar with buying insurance online. People have so many options that it can turn into a challenge to compare prices.

Elements that influence Jeep Grand Cherokee insurance rates

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for insurance coverage. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get big savings.

The list below includes some of the items used by your company to calculate your rates.

  • An active claims history can cost you – If you tend to file frequent claims, you can expect higher rates. Insurance companies award better rates to people who do not file claims often. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Don’t skimp on liability – The liability section of your policy will protect you in the event that you are found liable for personal injury or accident damage. It provides you with a defense in court which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • More than one policy can earn a discount – Most companies will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to comparison shop to verify if the discount is saving money. You may still be able to find a better deal by buying insurance from more than one company.
  • Lower miles equals lower premium – The more miles you rack up on your Jeep in a year’s time the higher your rates will be. Most insurance companies rate vehicles based on their usage. Cars and trucks that are left in the garage receive lower rates compared to those used for work or business. An improperly rated Grand Cherokee can result in significantly higher rates. Verify your insurance coverage policy is showing how each vehicle is driven, because improper ratings can cost you money.
  • Older drivers save more – More mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets. Teen drivers have a tendency to be less responsible when driving therefore insurance coverage rates are much higher.
  • Your spouse saves you money – Being married can actually save you money on your policy. It means you’re more responsible and it’s statistically proven that drivers who are married are more cautious.

Finding Car Insurance Deals

When shopping for car insurance there are multiple ways of comparing rate quotes and find the best price. The easiest way to find the lowest 1997 Jeep Grand Cherokee rates consists of shopping online. This can be accomplished in just a few minutes using one of these methods.

  1. Probably the best way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do multiple quote forms for every car insurance company. A single form compares rates from multiple companies. It’s definitely the quickest method.
  2. A more time consuming way to analyze rates requires visiting the website of each company and fill out their own quote form. For sake of this example, let’s assume you want comparison quotes from Progressive, Safeco and Allstate. To find out each rate you need to visit each site and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
  3. The least efficient way of comparing rate quotes is driving to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the trained guidance only provided by licensed agents. However, consumers can comparison shop online but buy from a local insurance agent and we’ll talk about that later.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples information with every price quote. If you have different values for each quote you can’t possibly determine which rate is truly the best. Just a small difference in coverage limits can result in a big premium difference. Just keep in mind that comparing a large number of companies helps locate the best rates.

Do you qualify for a discount?

Car insurance can cost a lot, buy you may qualify for discounts that can drop the cost substantially. A few discounts will automatically apply at the time of purchase, but less common discounts must be asked about before they will apply.

  • Defensive Driver – Successfully completing a defensive driving course can save you 5% or more if you qualify.
  • Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Own a Home – Being a homeowner can help you save on insurance coverage because maintaining a house demonstrates responsibility.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you may save approximately 10% to 15%.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on Grand Cherokee coverage with select insurance companies.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance coverage policy may reduce the rate for each vehicle.
  • Club Memberships – Being a member of certain professional organizations may earn a discount when buying insurance coverage on Grand Cherokee coverage.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will reduce the cost of coverage.

To see a list of companies offering insurance coverage discounts, click here to view.

What coverages do I need?

When choosing coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if you would benefit from professional advice.

  • Does liability extend to a camper or trailer?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need an umbrella policy?
  • Is upholstery damage covered by car insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Does my car insurance cover rental cars?
  • If I drive on a suspended license am I covered?
  • Where can I get insurance after a DUI in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Coverage specifics

Understanding the coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Jeep Grand Cherokee.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, falling objects, damage from a tornado or hurricane, hitting a bird and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

Liability coverage protects you from injuries or damage you cause to people or other property. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as emergency aid, pain and suffering, medical expenses, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Collision coverage

Collision insurance will pay to fix damage to your Grand Cherokee resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a mailbox, colliding with another moving vehicle, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for ambulance fees, pain medications, X-ray expenses, funeral costs and doctor visits. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Summing up your auto insurance search

Drivers change insurance companies for any number of reasons including lack of trust in their agent, high prices, poor customer service or high rates after DUI convictions. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

We just covered a lot of tips how to reduce 1997 Jeep Grand Cherokee insurance prices online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies.

Budget-conscious insurance is attainable on the web and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not offer online price quotes and these smaller companies work with independent agents.

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