Lower Your 1996 Jeep Grand Cherokee Insurance Rates

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.

Lower rates by qualifying for discounts

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.

• Student Discounts – Getting good grades can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
• Discount for New Cars – Buying auto insurance coverage on a new vehicle can cost up to 25% less since newer vehicles have better safety ratings.
• Passive Restraints and Air Bags – Vehicles with factory air bags could see savings of 25 to 30%.
• E-sign Discounts – Many larger companies provide a small discount simply for signing online.
• No Claims – Claim-free drivers get the best auto insurance rates when compared with bad drivers.
• Early Renewal Discounts – Some companies give discounts for switching companies before your current policy expires. It could save around 10% when you buy car insurance online.

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.

• Geico has savings for anti-theft, driver training, daytime running lights, multi-policy, air bags, multi-vehicle, and seat belt use.
• SAFECO may have discounts that include teen safe driver, multi-car, anti-lock brakes, drive less, teen safety rewards, accident prevention training, and anti-theft.
• State Farm offers discounts including good student, anti-theft, driver’s education, multiple autos, Steer Clear safe driver discount, and Drive Safe & Save.
• MetLife offers premium reductions for multi-policy, accident-free, good driver, good student, claim-free, defensive driver
• 21st Century has discounts for air bags, driver training, theft prevention, defensive driver, and teen driver.
• Progressive may include discounts for multi-vehicle, online signing, online quote discount, good student, homeowner, continuous coverage, and multi-policy.

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.

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How you can control Jeep Grand Cherokee insurance costs

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.

• More than one policy can earn a discount – Most major insurers will award a discount to clients who have multiple policies with them. It’s known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to check prices from other companies to make sure you are getting the best deal.There is a good possibility that you can save even more than the discount by splitting coverages up.
• Add-on coverages may not be needed – Insurance companies have many extra add-on coverages you can purchase if you don’t pay attention. Insurance for rental car coverage, death and dismemberment, and additional equipment coverage are some examples. The coverages may be enticing at first, but your needs may have changed so remove them and pocket the money.
• Rates are affected by your address – Living in areas with lower population can save you money when insuring your vehicles. Less people means less chance of accidents as well as less vandalism and auto theft. People who live in big cities have traffic congestion and longer commute times. The longer drive time means more chance of being in an accident.
• Premiums are lower the older you get – Older drivers are proven to be safer behind the wheel, tend to file fewer claims and tend to be get fewer driving tickets.Drivers with little experience tend to be inattentive and easily distracted when driving so insurance rates are higher.
• High comp and collision deductibles save money – Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your Jeep. A few examples of covered claims are collision with another vehicle, damage caused by hail, and damage caused by flying debris. The deductibles are the amount of money you are required to spend in the event of a claim. The more you have to pay, the less your insurance will be on Grand Cherokee coverage.

Insurance coverage is unique, just like you

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.

• Who is covered when they drive my 1996 Jeep Grand Cherokee?
• Are all vehicle passengers covered by medical payments coverage?
• Why am I required to buy high-risk coverage?
• Should I buy only the required minimum liability coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Am I covered when driving a rental car?
• Is my state a no-fault state?

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.

Information about specific coverages

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.

UM/UIM Coverage

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.

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Save your cold hard cash

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:

• Young Drivers: The High Risk Years Video (iihs.org)
• What Insurance is Cheapest for a Jeep Grand Cherokee in Aurora? (InsuranceAurora.com)
• What Auto Insurance is Cheapest for a Jeep Grand Cherokee in Chicago? (QuoteChicago.com)
• Auto Theft Statistics (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Airbag FAQ (iihs.org)

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