1998 Jeep Grand Cherokee Car Insurance Quotes

Looking for better insurance coverage rates for your Jeep Grand Cherokee? Locating budget insurance coverage on the internet is challenging for comparison shopping on the internet. With a ridiculous number of companies in the marketplace, how are we expected to even start to compare every company in order to find the best available price?

Do you qualify for discounts?

Insurance can cost an arm and a leg, but you can get discounts that can dramatically reduce your bill. Some of these disounts will be visible at the time of quoting, but once in a while a discount must be asked for before you get the savings. If you do not double check each discount you deserve, you’re paying more than you need to.

  • Discounts for Safe Drivers – Drivers without accidents can save as much as half off their rates on Grand Cherokee insurance as compared to drivers with claims.
  • Driver Training Discounts – Taking time to complete a course in driver safety could save 5% or more and make you a better driver.
  • College Student Discount – Children who are enrolled in higher education away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Low Mileage Discounts – Driving fewer miles may enable drivers to earn better insurancerates on cars that stay parked.
  • More Vehicles More Savings – Buying a policy with primary and secondary vehicles on a single policy can reduce rates for all insured vehicles.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control are safer to drive so you can save 10 percent or more.

As is typical with insurance, many deductions do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like it’s possible to get free car insurance, companies wouldn’t make money that way.

To see insurance companies with discount rates, click here.

Compare quotes for auto insurance

Most of the larger companies make it easy to get prices direct online. This process is quite easy as all you need to do is type in into the form. Once entered, the quote system collects your driving and credit reports and returns pricing information determined by many factors.

This makes it easy to compare insurance prices but the time it takes to visit multiple sites and type in the same data is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to find the lowest auto insurance rates.

The preferred way to get multiple rate quotes makes use of a single form to obtain quotes from many companies. It saves time, eliminates form submissions, and makes online quotes much easier. After sending your information, your coverage is rated and you can select your choice of the quote results.

If a lower price is quoted, you simply finish the application and purchase coverage. The entire process only takes a few minutes and you’ll know if lower rates are available.

In order to use this form to compare rates, click here to open in a new tab and input your coverage information. If you have your current policy handy, we recommend you enter identical to your current policy. Doing this guarantees you will be getting a fair comparison using the exact same coverages.

Smart buyers know how to quote car insurance at a discount

One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that go into determining your premiums. When consumers understand what influences your rates, this empowers consumers to make smart changes that can help you get big savings. Many things are part of the equation when premium rates are determined. Most are fairly basic like your driving record, but some are not quite as obvious such as your credit history or your commute time.

The items below are some of the major factors car insurance companies consider when setting your rates.

  • Pay more by driving carelessly – Whether or not you get tickets can have a huge impact on auto insurance premiums. Even a single moving violation may cause rates to rise forty percent or more. Good drivers pay lower auto insurance prices compared to drivers with tickets. Drivers who get severe violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state in order to keep their license.
  • Eliminate unneeded add-on coverages – There are a lot of extra coverages that can waste your money when buying car insurance. Things like rental car coverage, better glass coverage, and extra life insurance coverage are examples of these. You may think they are a good idea initially, but if they’re wasting money eliminate them to save money.
  • Companies want multiple policies – The majority of insurers allow discounts for people that buy multiple policies, otherwise known as a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. Even if you already get this discount, you may still want to compare other insurance prices to confirm you are receiving the best rates possible. Drivers may still save more without the discount by buying insurance from more than one company.
  • Advanced alarm systems – Owning a car that has an advanced theft prevention system can help lower your rates. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms all hinder car theft.
  • What are your physical damage deductibles? – Physical damage deductibles define the amount you are willing to pay if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered would be a windshield broken by a bird, damage from fire, or theft of your vehicle. The larger the amount you are required to pay out-of-pocket, the less money you will pay for car insurance on Grand Cherokee insurance.
  • Never have car insurance policy lapses – Not having insurance is not a good idea and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. In addition to paying higher premiums, being ticketed for driving with no insurance could result in a steep fine or even jail time.
  • Battle of the sexes – Over time, data shows that women are safer drivers than men. However, don’t assume that females are better at driving than males. Both sexes cause accidents in similar numbers, but the men tend to have more serious accidents. Men also tend to get more serious tickets like DWI (DUI) or reckless driving. Males from age 16 to 21 are most likely to cause an accident and therefore pay the highest rates.

Don’t assume everyone needs the same car insurance coverage

When buying the best car insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if you might need professional guidance.

  • Should I buy additional glass protection?
  • How do I insure my teen driver?
  • Will my insurance pay for OEM parts?
  • Do I have any recourse if my insurance company denies a claim?
  • What is the difference between comprehensive and collision coverage?
  • Are my friends covered when driving my car?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form.

Car insurance coverages and their meanings

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Jeep Grand Cherokee.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, hail damage, a broken windshield, rock chips in glass and hitting a deer. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision protection

This coverage covers damage to your Grand Cherokee caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, driving through your garage door, rolling your car and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Liability

This coverage protects you from injuries or damage you cause to people or other property. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as attorney fees, legal defense fees, structural damage and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like ambulance fees, rehabilitation expenses and funeral costs. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Shop smart and save

As you quote auto insurance, never buy poor coverage just to save money. In many cases, someone dropped collision coverage only to regret that it was a big error on their part. Your goal should be to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

Lower-priced 1998 Jeep Grand Cherokee insurance can be purchased online in addition to many insurance agents, so get free auto insurance quotes from both of them to have the best selection. A few companies may not offer online rate quotes and most of the time these regional insurance providers prefer to sell through local independent agencies.

We’ve covered a lot of techniques to compare 1998 Jeep Grand Cherokee insurance auto insurance rates online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may be surprised to find that the biggest savings come from some of the smallest insurance companies.

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