Save on 1998 Jeep Grand Cherokee Insurance Cost

Drivers have many options when trying to find affordable Jeep Grand Cherokee insurance. You can either spend your time contacting agents trying to get quotes or utilize the internet to get rate quotes.

There are more efficient ways to find insurance coverage online and you need to know the quickest way to quote coverages for a Jeep and obtain the lowest possible price from both online companies and local agents.

How to Compare Insurance

There are a variety of methods to shop for 1998 Jeep Grand Cherokee insurance, but one way is less labor-intensive and much quicker. You could waste time talking about coverages with agents in your area, or you could save time and use online quoting to get rates in a matter of minutes.

Many companies belong to an insurance system that enables customers to enter their coverage request one time, and each company provides a quote based on that information. This eliminates the need for repetitive form submissions for every insurance company.

To find out how much you’re overpaying now click here to open in new window.

The only downside to pricing coverage this way is you are unable to specify which insurance companies you want to price. So if you prefer to pick specific providers for rate comparison, we have assembled a list of low cost insurance companies in your area. Click here to view list.

However you get your quotes, make absolute certain that you use identical quote information for each comparison quote. If each company quotes different values for each quote it will be next to impossible to decipher which rate is best.

Don’t miss out on these money-saving discounts

Car insurance is not cheap, but you may find discounts to cut the cost considerably. Some discounts apply automatically at quote time, but less common discounts must be asked for before they will apply. If you don’t get every credit you qualify for, you are throwing money away.

  • Multiple Policy Discount – If you have multiple policies with one company you will save 10% to 20% off each policy.
  • Student in College – Youth drivers who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Senior Citizens – Older drivers may receive a discount up to 10% on Grand Cherokee coverage.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Organization Discounts – Affiliation with a civic or occupational organization could qualify you for a break on your policy on Grand Cherokee coverage.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will reduce your overall premium however.

For a list of providers offering insurance discounts, click this link.

Do I need special coverages?

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Every situation is different.

For instance, these questions could help you determine if you might need an agent’s assistance.

  • What can I do if my company denied a claim?
  • Why does it cost so much to insure a teen driver?
  • How high should my medical payments coverage be?
  • Should I have combined single limit or split liability limits?
  • Will my insurance pay for OEM parts?
  • Am I insured when driving a different vehicle?
  • How does medical payments coverage work?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered if hit by an uninsured driver?
  • Will I lose any money if I cancel my policy before it expires?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Factors that can influence insurance rates for a Jeep Grand Cherokee

It’s important that you understand the rating factors that go into determining the price you pay for car insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Listed below are some of the items used by your company to calculate your rates.

  • Higher deductibles cost less – Physical damage deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are colliding with a building, damage from fire, and windstorm damage. The more the insured has to pay upfront, the less your car insurance will be on Grand Cherokee coverage.
  • Battle of the sexes – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. They both have accidents at about the same rate, but the males have costlier accidents. They also receive more costly citations like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore have the most expensive car insurance rates.
  • Rates may be lower depending on your job – Did you know your job can affect your rates? Occupations such as doctors, executives and financial analysts tend to pay higher average rates due to stressful work requirements and lengthy work days. Conversely, jobs such as actors, engineers and homemakers have the lowest average rates on Grand Cherokee coverage.
  • Don’t sacrifice liability coverage – Liability insurance will protect you if ever you are found liable for damages from an accident. Liability insurance provides you with a defense in court starting from day one. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
  • Car features impact rates – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • How your age affects price – Older drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Young drivers have a tendency to get distracted easily behind the wheel and because of this, their car insurance rates are much higher.
  • A clean driving record saves money – Just one moving violation can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates than bad drivers. Drivers who have serious citations like DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
  • Your location affects your rates – Choosing to live in small towns and rural areas has it’s advantages when it comes to car insurance. Drivers in populated areas have congested traffic and longer commutes to work. Fewer drivers means fewer accidents.

Can you really save that much by switching?

Consumers can’t get away from ads for car insurance savings by State Farm, GEICO and Progressive. They all make an identical promise of big savings if you change to their company.

But how can every company make the same claim?

Different companies are able to cherry pick for the type of driver that makes them money. For instance, a desirable insured might be between the ages of 30 and 50, is a homeowner, and has a short commute. A customer who meets those qualifications is entitled to the best price and therefore will save a lot of money.

Consumers who are not a match for the requirements will be charged more money which leads to the driver buying from a lower-cost company. The ads say “people who switch” not “people who quote” save that much money. That is how companies can truthfully claim big savings.

That is why it’s extremely important to get quotes from several different companies. It’s just too difficult to predict which auto insurance company will fit your personal profile best.

Car insurance coverages for a Jeep Grand Cherokee

Understanding the coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like theft, hitting a bird and hitting a deer. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for liability

Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical expenses, attorney fees, emergency aid, court costs and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Collision protection

This coverage covers damage to your Grand Cherokee resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills such as ambulance fees, hospital visits, rehabilitation expenses, pain medications and chiropractic care. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Get your money’s worth

We just covered some good ideas how you can save on 1998 Jeep Grand Cherokee insurance. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the lowest premiums are with a lesser-known regional company.

People change insurance companies for a number of reasons such as policy non-renewal, high rates after DUI convictions, delays in paying claims and even lack of trust in their agent. Regardless of your reason for switching companies, switching insurance coverage companies is pretty easy and you might even save some money in the process.

The cheapest insurance can be sourced both online as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance coverage companies don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

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