Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Dec 5, 2018

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I doubt anyone anticipates paying for car insurance, in particular when the cost is way too high.

Having so many options, it can be challenging to pick the right insurance company.

It’s a good habit to get comparison quotes occasionally since prices change frequently. Even if you think you had the lowest quotes for Grand Wagoneer coverage six months ago you may be paying too much now. There is a lot of bad advice regarding car insurance online but I’m going to show you some great ideas on how to find affordable car insurance.

How to compare insurance coverage quotes

When shopping for insurance coverage there are multiple ways to obtain and compare prices from lots of insurance coverage companies. The recommended way to compare rates is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.

  1. The best way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This method eliminates the need for a different quote for each company you want a rate for. One simple form gets coverage cost estimates from multiple low-cost companies.
  2. A harder way to shop for insurance coverage online is spending the time to visit each company’s website and go through the quote process again. For instance, we’ll assume you want to see prices from USAA, 21st Century and State Farm. You would need to visit each site to enter your coverage information, which can get rather old.

    For a handy list of car insurance company links in your area, click here.

  3. If you have time to kill, the last way to compare price quotes is driving around to local insurance agencies. Quoting online has reduced the need for local agents unless you’re the type of person who wants the personal advice of a licensed agent. Some companies do allow you to comparison shop online but still have the advice of a local agent.

Whichever way you choose to compare rates, be sure to compare the exact same information with each company. If you compare higher or lower deductibles you can’t possibly decipher which rate is best. Quoting even small variations in insurance coverages can mean a large discrepancy in price. And when quoting insurance coverage, remember that comparing all the rates in your area provides better odds of finding the best offered rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

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These discounts can slash insurance coverage rates

Car insurance is not cheap, but you might be missing out on some discounts that many people don’t even know exist. Some trigger automatically at the time you complete a quote, but lesser-known reductions have to be specifically requested before you will receive the discount. If you don’t get every credit possible, you could be saving more on your insurance coverage.

  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Responsible Drivers – Drivers who don’t get into accidents may save up to 50% more for Grand Wagoneer coverage compared to rates paid by drivers with frequent claims.
  • Early Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Paper-free Discount – A few companies will give you a small discount get insurance coverage on the web.
  • Mature Driver Discount – Drivers over the age of 55 may be able to get lower premium rates for Grand Wagoneer coverage.
  • Onboard Data Collection – Drivers that enable driving data submission to monitor driving patterns by using a small device installed in their vehicle like Allstate’s Drivewise could possibly reduce rates if they are good drivers.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

A few of the larger companies and the discounts they provide can be found below.

  • State Farm offers discounts for anti-theft, Steer Clear safe driver discount, safe vehicle, good student, multiple policy, good driver, and driver’s education.
  • Progressive offers premium reductions for online quote discount, online signing, multi-policy, good student, and multi-vehicle.
  • Travelers includes discounts for continuous insurance, new car, multi-car, save driver, hybrid/electric vehicle, and good student.
  • American Family may include discounts for early bird, good driver, TimeAway discount, bundled insurance, mySafetyValet, Steer into Savings, and multi-vehicle.
  • Liberty Mutual discounts include new vehicle discount, safety features, multi-policy, hybrid vehicle, newly married, teen driver discount, and newly retired.

When quoting, ask every company which credits you are entitled to. Discounts might not apply in your state.

Smart buyers can cut insurance costs

Multiple criteria are taken into consideration when quoting car insurance. Some are obvious such as your driving history, but other criteria are more obscure such as your credit history or your commute time.A large part of saving on insurance is knowing a few of the rating criteria that are used to determine your policy premiums. When consumers understand what determines base rates, this allows you to make educated decisions that may result in cheaper rates.

  • High physical damage deductibles reduce rates – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your Jeep from damage. A few examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. Comp and collision deductibles state the amount of money you are willing to pay if a claim is determined to be covered. The larger the amount the insured has to pay upfront, the lower your rates will be for Grand Wagoneer coverage.
  • Occupation stress can affect rates – Jobs such as judges, executives and dentists usually pay the highest average rates because of intense work-related stress and long work days. Conversely, jobs such as actors, historians and retirees receive lower rates for Grand Wagoneer coverage.
  • Filing insurance claims can increase rates – If you frequently file small claims, you can pretty much guarantee increased rates or even have your policy non-renewed. Companies provide better rates to people that do not abuse their auto insurance. Your car insurance is intended for the large, substantial claims.
  • Liability protection is peace of mind – The liability coverage on your policy provides coverage if you are responsible for personal injury or accident damage. Liability insurance provides legal defense to defend your case. Liability insurance is pretty cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Never let your insurance policy lapse – Driving without insurance is not a good idea and any future policy may cost more because you let your insurance lapse for non-payment. Not only will you pay more, being ticketed for driving with no insurance may earn you a fine, jail time, or a revoked license. You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.

When do I need an agent’s advice?

When it comes to choosing proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions can aid in determining whether your personal situation may require specific advice.

  • Can I afford to buy a different vehicle if my 1991 Jeep Grand Wagoneer is totaled?
  • Am I getting all the discounts available?
  • When would I need additional glass coverage?
  • Does coverage extend to Mexico or Canada?
  • At what point should I drop full coverage?
  • Does my policy cover me when driving someone else’s vehicle?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Specifics of your insurance policy

Learning about specific coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages found on the average insurance policy.

Liability coverage

This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as medical services, loss of income and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying higher limits if possible.

Comprehensive coverages

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hail damage, hitting a deer and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

This coverage pays for damage to your Grand Wagoneer from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a mailbox, scraping a guard rail, sideswiping another vehicle, rolling your car and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Jeep Grand Wagoneer.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses like EMT expenses, ambulance fees and chiropractic care. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Final considerations

As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage for the lowest price, but do not skimp to save money.

We just presented some good ideas how you can lower your 1991 Jeep Grand Wagoneer insurance rates. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the best rates are with the smaller companies. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

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