If you are new to online price comparisons, you can be bewildered by the large number of insurance providers that all say they have the best rates.
Some providers don’t always advertise every disount available very clearly, so below is a list a few of the more common and the more hidden credits available to you.
Discounts save money, but please remember that many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous.
A list of companies and some of their more popular discounts can be read below.
Before purchasing a policy, check with every company to apply every possible discount. A few discounts might not be offered in your area. If you would like to see a list of insurers who offer online auto insurance quotes, click here.
Smart consumers have a good feel for the different types of things that help calculate the price you pay for insurance. If you know what controls the rates you pay, this enables you to make decisions that could help you find lower insurance prices.
When choosing coverage, there really is not a “best” method to buy coverage. Every situation is different.
For instance, these questions might help in determining if your insurance needs would benefit from professional advice.
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.
Having a good grasp of auto insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.
This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.
Medical costs insurance
Med pay and PIP coverage provide coverage for expenses like rehabilitation expenses, pain medications, dental work, surgery and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible
Comprehensive or Other Than Collision
Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for things like damage from a tornado or hurricane, a broken windshield, a tree branch falling on your vehicle, damage from flooding and hail 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 liability
This coverage can cover damages or injuries you inflict on other people or property in an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.
Liability can pay for things like repair costs for stationary objects, medical expenses and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.
Collision coverage protection
This coverage will pay to fix damage to your Grand Cherokee caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as driving through your garage door, hitting a mailbox, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.
Insureds change insurance companies for any number of reasons including high rates after DUI convictions, lack of trust in their agent, delays in responding to claim requests or high prices. Regardless of your reason, finding a new company can be pretty painless.
Cheap 1996 Jeep Grand Cherokee insurance is available online and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance companies do not provide online rate quotes and usually these small insurance companies only sell coverage through independent agencies.
As you quote car insurance, it’s not a good idea to buy poor coverage just to save money. There are too many instances where drivers have reduced physical damage coverage and learned later they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.
More detailed car insurance information is available in these articles: