Cheaper 1996 Jeep Grand Cherokee Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 13, 2015

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Buying the most affordable insurance online may be difficult for consumers not familiar with shopping for insurance online. With a ridiculous number of choices, how can anyone possibly compare every company to locate the best pricing?

Consumers need to do rate comparisons before your policy renews since rates are rarely the same from one policy term to another. Just because you had the lowest rates on Grand Cherokee coverage last year there is a good chance you can find better rates now. Starting right now, block out anything you think you know about insurance because you’re going to get a crash course in the best way to lower your annual insurance bill.

How to Compare Auto Insurance Rates

Most major insurance companies such as State Farm and Allstate allow you to get price estimates on the web. This process is fairly straightforward as you just enter the coverage amounts you desire into the quote form. After you submit the form their rating system orders information on your driving record and credit history and generates pricing information based on these factors.

Online quotes helps simplify price comparisons, but having to visit many different websites and type in the same information gets old quite quickly. Unfortunately, it is important to perform this step in order to find better prices.

A quicker way to compare auto insurance pricing makes use of a single form to return rates from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much easier. Immediately after you send the form, it gets priced and you can choose any of the returned quotes.

If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. The entire process just takes a couple of minutes and may result in a nice savings.

If you want to compare rates using this form now, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you enter coverages and limits identical to your current policy. This makes sure you will have comparison quotes for similar insurance coverage.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.

For instance, these questions may help highlight whether or not you could use an agent’s help.

  • Does my insurance cover a custom paint job?
  • Is my 1996 Jeep Grand Cherokee covered for flood damage?
  • When should I buy a commercial auto policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my 1996 Jeep Grand Cherokee is worth?
  • Should I put collision coverage on all my vehicles?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance policy coverages for a Jeep Grand Cherokee

Understanding the coverages of insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Collision – Collision coverage covers damage to your Grand Cherokee resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, sideswiping another vehicle, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like prosthetic devices, hospital visits 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 all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

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

Comprehensive coverage pays for claims like hitting a deer, damage from flooding, vandalism, hitting a bird and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Jeep Grand Cherokee.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these limits do not exceed the liability coverage limits.

Auto liability insurance – Liability coverage can cover damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like medical services, legal defense fees, court costs and loss of income. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

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