1996 Jeep Grand Cherokee Car Insurance Cost

Want the cheapest car insurance rates for your Jeep Grand Cherokee? Finding affordable car insurance can seem to be hard for consumers new to buying insurance online. You have so many choices that it can be a big hassle to compare prices.

If you currently have car insurance, you should be able to reduce your rates substantially using these tips. The purpose of this article is to help you learn the most effective way to quote insurance. But car owners do need to learn how insurance companies price online insurance.

Pay less for 1996 Jeep Grand Cherokee insurance

Companies that sell car insurance don’t list every available discount in a way that’s easy to find, so the following is a list of some of the more common and the harder-to-find savings tricks you should be using.

  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Drivers Ed for Students – Have your child complete a driver education course if it’s offered in school.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Air Bag Discount – Factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Accident Waiver – Some insurance companies allow you one accident before raising your premiums if your claims history is clear prior to the accident.
  • Resident Student – Children who live away from home and don’t have a car may qualify for this discount.
  • Defensive Driving Course – Completing a driver safety course can save you 5% or more depending on where you live.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for reduced rates on Grand Cherokee insurance.
  • Own a Home – Owning a house may earn you a small savings because of the fact that having a home shows financial diligence.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

For a list of providers with the best car insurance discounts, follow this link.

Tailor your coverage to you

When buying the best insurance coverage coverage, there is no cookie cutter policy. Every situation is different.

Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.

  • Do I pay less for low miles?
  • What should my uninsured motorist coverage limits be in my state?
  • Do all my vehicles need collision coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is the difference between comprehensive and collision coverage?
  • When should my teen driver be added to my policy?
  • When would I need additional glass coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance myths debunked

Companies like State Farm, GEICO and Progressive consistently run ads on television and other media. All the ads have a common claim about savings if you change to them. How do they all make almost identical claims?

All the different companies have a preferred profile for the driver that is profitable for them. For example, a preferred risk could be a mature driver, owns a home, and drives newer vehicles. A customer who matches those parameters will qualify for the lowest rates and therefore will save when switching.

Potential insureds who are not a match for the “perfect” profile will be charged higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save that much money. That’s why companies can state the savings. That is why you absolutely need to compare as many rates as you can. Because you never know which insurance company will give you the biggest savings on Jeep Grand Cherokee insurance.

Insurance coverages explained

Having a good grasp of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 1996 Jeep Grand Cherokee.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability coverages – This coverage provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like medical expenses, repair bills for other people’s vehicles, medical services and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like dental work, X-ray expenses, prosthetic devices, chiropractic care and nursing services. They are utilized in addition to your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – This coverage will pay to fix damage to your Grand Cherokee caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, falling objects, a broken windshield and vandalism. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

And the best car insurance company is…

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to regret that the savings was not a smart move. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.

In this article, we presented a lot of tips how to save on 1996 Jeep Grand Cherokee insurance. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers could even find that the best price on insurance is with the smaller companies.

Cost effective insurance is definitely available both online and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

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