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