Save on 1997 Jeep Grand Cherokee Insurance Rates

Want lower insurance rates for your Jeep Grand Cherokee? Feeling guilty for buying high-priced insurance? Believe me when I say you’re not the only one. Multiple auto insurance companies compete for your business, so it’s not easy to compare every company and uncover the absolute best rates possible.

It’s a good habit to do rate comparisons before your next renewal because prices are usually higher with each renewal. Even if you got the lowest price for Grand Cherokee insurance two years ago other companies may now be cheaper. Forget all the misinformation about insurance because we’re going to demonstrate the easiest way to find better coverage at a better price.

Compare auto insurance rate quotes online

Cutting your auto insurance rates can be surprisingly simple. Just spend a few minutes to get quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

  1. The fastest way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This quick form saves time by eliminating repetitive form submissions for each company. Just one form gets insurance cost estimates from auto insurance companies with the best prices.
  2. A harder way to compare prices requires a visit to the website for every company you want to comare and repeat the quote process. For examples sake, let’s say you are doing a rate comparison from GEICO, 21st Century and Liberty Mutual. To find out each rate you need to take the time to go to each site and enter your policy data, which can be really labor intensive.

    For a list of links to companies insuring cars in your area, click here.

  3. The last method to find cheaper rates is actually driving to and from local insurance agencies. Shopping for auto insurance online eliminates this option unless you have a complicated situation and need the professional abilities that only a licensed agent can provide. If you prefer, some companies allow you to obtain prices from the web but buy from a local insurance agent.

Compare rates however you want, just compare nearly identical deductibles and coverage limits on every quote you get. If you are comparing different limits and deductibles on each one it’s impossible to make a fair rate comparison.

Seven tips to get lower-cost insurance prices

Many things are used in the calculation when you quote your car insurance policy. Most are fairly basic such as traffic violations, but other criteria are more obscure such as your marital status or your financial responsibility.

  • Single drivers take more risk – Your spouse may earn you lower rates when buying car insurance. Having a significant other demonstrates that you tend to be more mature and statistics show drivers who are married file infrequent claims.
  • Raising deductibles lowers prices – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Jeep. Examples of some claims that would be covered are a broken windshield, vandalism, and burglary. The deductibles represent how much money you are required to pay if a claim is determined to be covered. The higher the amount you’re willing to pay, the better rate you will receive for Grand Cherokee insurance.
  • Can a thief steal your car? – Choosing a vehicle with a theft deterrent system can help lower your premiums. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent your vehicle from being stolen.
  • Your job is a factor – Careers such as judgesairline pilots and dentists generally pay higher rates than the rest of us due to stressful work requirements and long work days. On the other hand, professions such as actors, historians and homemakers receive lower rates for Grand Cherokee insurance.
  • Never have coverage lapses – Not having insurance is against the law and companies may charge more for letting your coverage have a gap. In addition to paying higher rates, the inability to provide proof of insurance can result in fines and jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • City dwellers may pay more – Having an address in less populated areas of the country can save you money when trying to find low car insurance rates. People in densly populated areas tend to have more aggressive driving styles and longer commutes to work. Fewer drivers and short commutes translates into fewer accident claims and lower theft and vandalism rates.
  • Guys are more aggressive – Over time, data shows that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. They both tend to get into at-fault accidents in similar percentages, but the males cause more damage and cost insurance companies more money. Men also tend to receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.

Are you earning every discount?

Some insurers don’t list every available discount very clearly, so we break down a few of the more common and also the more inconspicuous discounts that may be available. If you do not double check each discount available, it’s possible you qualify for a lower rate.

  • Pay Early and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you can actually save on your bill.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and will save you 10% or more.
  • Accident Waiver – This isn’t a discount exactly, but certain companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
  • Defensive Driving Course – Taking time to complete a defensive driver class could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Save with a New Car – Buying a new car model can cost up to 25% less because newer models are generally safer.

We need to note that most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

To see a list of car insurance companies that offer multiple discounts, click here to view.

When in doubt talk to an agent

When buying proper insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that For instance, these questions may help highlight whether your personal situation could use an agent’s help.

  • Exactly who is provided coverage by my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I pay less if my vehicle is kept in my garage?
  • What is roadside assistance coverage?
  • Is motorclub coverage worth it?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have any recourse if my insurance company denies a claim?
  • Is business equipment covered while in my vehicle?
  • Will my rates increase for filing one claim?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Car insurance coverage breakdown

Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average car insurance policy.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, rock chips in glass, hitting a bird and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as surgery, pain medications, EMT expenses and doctor visits. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, crashing into a ditch, driving through your garage door, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for liability

This coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as structural damage, repair bills for other people’s vehicles, medical services, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Don’t be a big spender

The cheapest 1997 Jeep Grand Cherokee insurance can be bought online as well as from independent agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies may not have the ability to get quotes online and these smaller companies work with local independent agencies.

We covered a lot of information how to lower your 1997 Jeep Grand Cherokee insurance prices. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest prices come from a company that doesn’t do a lot of advertising. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

Much more information about car insurance is available at the links below