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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Want better insurance rates for your Jeep Grand Wagoneer? Expensive insurance can draw down your savings, especially in this economy. Price shopping at each renewal is a fast and free way to ensure you are getting the best deal.

Due to the large number of insurance companies to choose from, it can be challenging to locate the most affordable company.

It’s a great practice to check insurance prices occasionally because prices are variable and change quite frequently. Despite the fact that you may have had the lowest rates on Grand Wagoneer coverage last year you will most likely find a better premium rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the easiest way to buy cheaper insurance.

The best way to compare policy rates is to know the trick all the major auto insurance companies provide online access to give you rate quotes. All consumers are required to do is give them some information like if you have an active license, whether you are married, driver ages, and any included safety features. Your details gets transmitted to many different companies and they return quotes immediately.

Don’t overlook these car insurance discounts

Companies offering auto insurance don’t list the entire discount list in a way that’s easy to find, so we researched a few of the more well known and the harder-to-find ways to save on car insurance.

  • Paper-free Discount – A few larger online companies will give a small break shop car insurance online.
  • Active Service Discounts – Being on active deployment in the military can result in better rates.
  • No Claim Discounts – Good drivers with no accidents are rewarded with significantly better rates on car insurance quote as compared to policyholders that have many claims.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • First Accident Forgiveness – This isn’t a discount exactly, but companies like Allstate, Progressive, and GEICO will let one accident slide before your rates go up if you have no claims prior to being involved in the accident.

Discounts lower rates, but most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like it’s possible to get free car insurance, you won’t be that lucky. But any discount will positively reduce the amount you pay for coverage.

A few of the larger companies and their offered discounts are included below.

  • 21st Century has discounts for defensive driver, teen driver, good student, automatic seat belts, and 55 and older.
  • State Farm offers discounts including good driver, good student, driver’s education, passive restraint, multiple autos, and defensive driving training.
  • AAA may have discounts that include multi-policy, AAA membership discount, good student, good driver, and education and occupation.
  • Liberty Mutual may offer discounts for new vehicle discount, newly retired, preferred payment discount, newly married, teen driver discount, multi-car, and multi-policy.
  • Progressive discounts include continuous coverage, online quote discount, homeowner, online signing, multi-vehicle, good student, and multi-policy.

Check with every prospective company to give you their best rates. Discounts may not be offered in your area.

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

secured lock Secured with SHA-256 Encryption

Learn how to lower your insurance prices

Multiple criteria are used when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but others are not quite as obvious like your vehicle usage and annual miles driven.A large part of saving on car insurance is knowing the rating factors that come into play when calculating the rates you pay for car insurance. If you have some idea of what influences your rates, this empowers consumers to make smart changes that may reward you with lower car insurance prices.

  • Cheaper rates after marriage – Getting married may earn you lower rates on your policy. Having a significant other is viewed as being more mature and it’s proven that married drivers tend to file fewer claims.
  • Physical damage deductibles are a factor – Physical damage protection, also known as collision and other-than-collision, covers damage that occurs to your Jeep. Some coverage claims would be colliding with a building, hail damage, and damage from a fallen tree branch. Deductibles for physical damage tell how much you are required to spend out-of-pocket before a claim is paid by your company. The higher the amount you choose to pay out-of-pocket, the less your company will charge you for insurance on Grand Wagoneer coverage.
  • Better premiums with anti-theft devices – Buying a car with a theft deterrent system can save you some money. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop your vehicle from being stolen.
  • Safety first – Safe vehicles get lower rates. Vehicles engineered for safety result in less severe injuries and lower injury rates translates into savings for insurance companies and thus lower rates.
  • Better drivers pay less – Whether or not you get tickets has a huge affect on how much you pay. Just one citation can increase the cost of insurance substantially. Drivers with clean records receive lower rates than their less careful counterparts. Drivers who have careless citations such as hit and run, DWI or reckless driving convictions may find that they have to to prove financial responsibility with their state’s department of motor vehicles in order to drive a vehicle legally.
  • Protect yourself with liability coverage – Liability insurance will provide protection if you are found to be at fault for damages caused by your negligence. Your policy’s liability insurance provides legal defense which can be incredibly expensive. This coverage is relatively inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Gals pay lower costs – The statistics show women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Women and men tend to get into at-fault accidents at a similar rate, but guys have accidents that have higher claims. Not only are claims higher, but men get cited for more serious violations such as DWI and reckless driving.

When to get professional advice

When buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions might help in determining whether you may require specific advice.

  • Is my teen driver covered when they drive my company car?
  • Can my babysitter drive my car?
  • What can I do if my company denied a claim?
  • How much liability coverage do I need in my state?
  • Do I need to file an SR-22 for a DUI in my state?
  • Can I afford low physical damage deductibles?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Smaller companies may have the best rates

Well-known insurance companies like GEICO, State Farm and Progressive continually stream television, radio, and online ads. All the ads make the same claim about savings if you move to their company. How is it plausible that every one can save you money?

Companies require specific criteria for the right customer that will generate a profit. For instance, this type of risk profile may need to be a married male, is a homeowner, and insures a new vehicle. Anybody that matches those criteria will qualify for the lowest prices and will most likely cut their rates if they switch.

Insureds who don’t measure up to this stringent profile will see higher premiums which translates to the driver buying from a lower-cost company. The ads state “drivers that switch” not “all people who quote” save that much. That’s why companies can truthfully make it sound like they have such great rates. Different companies use different criteria so it is so important to quote coverage with many companies. It’s just too difficult to predict which insurance company will be your best fit.

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

secured lock Secured with SHA-256 Encryption

Coverages available on your policy

Understanding the coverages of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages offered by car insurance companies.

Comprehensive or Other Than Collision – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, a tree branch falling on your vehicle, falling objects and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Jeep Grand Wagoneer.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as X-ray expenses, nursing services and surgery. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Auto liability – This will cover damage that occurs to a person or their property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

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 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as bail bonds, attorney fees, loss of income and pain and suffering. How much coverage you buy is up to you, but buy as much as you can afford.

Collision coverages – This coverage covers damage to your Grand Wagoneer resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Coverage on a shoestring budget

When getting car insurance quotes online, don’t be tempted to buy poor coverage just to save money. There are many occasions where an insured cut liability coverage limits and learned later they didn’t have enough coverage. The goal is to buy enough coverage at a price you can afford while still protecting your assets.

More affordable insurance can be found on the web and also from your neighborhood agents, so you need to quote car insurance with both in order to have the best price selection to choose from. Some insurance companies may not provide internet price quotes and many times these regional insurance providers work with independent agents.

Even more information is located at these sites: