Cheaper 1999 Jeep Grand Cherokee Insurance Quotes

Searching for cheaper insurance for a Jeep Grand Cherokee can turn out to be a painful process, but you can use a few tricks to find lower rates. There is a better way to find car insurance online so we’re going to tell you the quickest way to quote coverages for a new or used Jeep and obtain the lowest possible price from local insurance agents and online providers.

It’s a good habit to shop coverage around on a regular basis because prices change quite often. Even if you think you had the best rates on Grand Cherokee insurance a few years ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to find out the best methods to find better coverage at a better price.

If you have insurance now or need new coverage, you can use these techniques to find better prices while maximizing coverage. Locating the cheapest auto insurance coverage is easy if you know what you’re doing. Vehicle owners just need to understand the tricks to compare company rates online.

Comparison of Insurance

Finding cheaper 1999 Jeep Grand Cherokee insurance prices doesn’t have to be difficult. The only thing you need to do is invest a few minutes to compare quotes provided by online insurance companies. This can be done in several different ways.

  1. The best way to get quotes for comparison is a comparison rater form click to view form in new window. This form prevents you from having to do separate quote forms for each company you want a rate for. A single form will get you rate comparisons from insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  2. A less efficient way to find lower rates requires you to visit the website of each company and request a quote. For sake of this example, we’ll assume you want comparison quotes from Progressive, Esurance and Travelers. You would have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The least recommended method to compare rates is driving to and from local insurance agencies. Shopping for insurance online can eliminate the need for a local agent unless you require the professional guidance only provided by licensed agents. However, consumers can compare the best prices online but still have the advice of a local agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but make absolute certain that you use exactly the same quote information on every quote. If you enter higher or lower deductibles it’s not possible to make a fair comparison for your Jeep Grand Cherokee.

How much can you save with discounts?

Companies don’t always list every available discount very well, so we took the time to find both the well known and the harder-to-find ways to save on car insurance. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can qualify for discounts up to 30%.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off on Grand Cherokee insurance with certain companies.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Early Switch Discount – Some companies give discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Senior Citizens – Older drivers may receive a small decrease in premiums on Grand Cherokee insurance.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up to age 25.

Drivers should understand that most credits do not apply the the whole policy. Some only apply to specific coverage prices like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck.

Insurance companies who might offer these money-saving discounts include:

Double check with each company which discounts they offer. Savings might not apply everywhere.

How much car insurance do I need?

When buying the best auto insurance coverage, there is no cookie cutter policy. Every situation is different.

For instance, these questions can help discover if your insurance needs would benefit from professional advice.

  • Do I have newly-aquired coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my cargo covered for damage or theft?
  • How much underlying liability do I need for an umbrella policy?
  • What is the difference between comprehensive and collision coverage?
  • Do I need motorclub coverage?
  • How much liability coverage do I need in my state?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Why your Jeep Grand Cherokee insurance rates may be high

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for car insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get lower car insurance prices.

  • Allowing your policy to lapse raises rates – Driving with no insurance is a misdemeanor and your next policy will cost more because you let your coverage lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a steep fine or even jail time.
  • How’s your driving record? – Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Only having one speeding ticket can boost insurance rates twenty percent or more. Drivers with severe tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Occupation reflects on rates – Did you know that where you work can have an impact on rates? Occupations such as lawyers, business owners and accountants are shown to have higher rates than average in part from high stress and lengthy work days. On the flip side, professions such as actors, athletes and performers pay the least on Grand Cherokee insurance.
  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.

Insurance coverage myths debunked

Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of State Farm, Allstate and Geico. They all make the same claim that you’ll save big if you change your coverage to them.

But how can every company claim to save you money?

Insurance companies have a preferred profile for the type of customer they prefer to insure. An example of a profitable customer might be between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” will get the preferred rates and most likely will save quite a bit of money when switching.

Drivers who don’t qualify for the requirements will be charged more money and ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everyone that quotes” save that kind of money. That’s the way companies can truthfully make those claims. That is why you should get quotes from several different companies. You cannot predict the company that will provide you with the cheapest Jeep Grand Cherokee insurance rates.

Car insurance 101

Learning about specific coverages of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Collision coverages – This coverage covers damage to your Grand Cherokee resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, colliding with a tree, backing into a parked car, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, rock chips in glass, fire damage and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for bills for things like EMT expenses, hospital visits, rehabilitation expenses and nursing services. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability insurance – This provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as medical services, medical expenses, structural damage and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Don’t be a big spender

Budget-conscious 1999 Jeep Grand Cherokee insurance is attainable from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. There are many occasions where an accident victim reduced physical damage coverage to discover at claim time that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at a price you can afford while still protecting your assets.

We just presented some good ideas how you can lower your insurance rates. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest priced insurance comes from some of the smallest insurance companies.

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