Save on 1998 Jeep Grand Cherokee Car Insurance Rates
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UPDATED: May 12, 2022
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Having to pay for overpriced Jeep Grand Cherokee insurance can dwindle your savings account and make it impossible to make ends meet. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket. Consumers have many insurers to choose from, and although it’s a good thing to be able to choose, too many choices makes it more difficult to find the lowest rates.
It’s a good idea to price shop coverage at least once a year because rates change quite often. Just because you had the best deal on Grand Cherokee coverage a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the quickest way to lower your rates without sacrificing coverage.
Impacting insurance rates for a Jeep Grand Cherokee
Consumers need to have an understanding of the rating factors that go into determining the price you pay for auto insurance. Having a good understanding of what determines base rates enables informed choices that may reward you with better auto insurance rates.
Listed below are some of the factors auto insurance companies consider when setting rates.
- Never allow your policy to lapse – Driving your car without having proper coverage is a misdemeanor and auto insurance companies will penalize you for letting your insurance expire. Not only will rates go up, failure to provide proof of insurance will get you a license revocation or jail time.
- You might want pay the small claims yourself – If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies award better rates to policyholders who do not file claims often. Auto insurance is intended for the large, substantial claims.
- More people means more accidents – Living in a rural area can be a good thing when insuring your vehicles. Drivers in populated areas have much more traffic and longer commute times. Lower population translates into fewer accidents as well as less vandalism and auto theft.
- Better crash test results mean better rates – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Jeep Grand Cherokee is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
Pay less by taking advantage of discounts
Properly insuring your vehicles can get expensive, but companies offer discounts to cut the cost considerably. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be asked about before you will receive the discount. If you aren’t receiving every discount you deserve, you are throwing money away.
- Defensive Driving Course – Taking a course teaching defensive driving skills can save you 5% or more if your company offers it.
- Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
- Paperwork-free – Some insurance companies may give you up to $50 simply for signing digitally online.
- Early Switch Discount – Select companies give a discount for switching policies before your current expiration date. It’s a savings of about 10%.
- Discount for Good Grades – Getting good grades can save 20 to 25%. This discount can apply up to age 25.
- Passive Restraint Discount – Factory air bags can receive discounts of more than 20%.
- Distant Student – Youth drivers who are attending college without a vehicle on campus can receive lower rates.
- New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
Keep in mind that some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will help reduce the amount you have to pay.
Insurance companies that may have these money-saving discounts are:
Double check with all companies you are considering which discounts they offer. All car insurance discounts might not apply in your area.
Don’t be fooled by advertising claims
Drivers can’t get away from ads that promise big savings from companies such as State Farm, GEICO and Progressive. All the ads make an identical promise that you’ll save big after switching your policy.
How do they all say the same thing?
Insurance companies have a preferred profile for the type of customer that earns them a profit. For example, a preferred risk could possibly be over the age of 50, has no tickets, and has excellent credit. A driver who fits that profile will qualify for the lowest rates and as a result will probably save when switching.
Drivers who don’t measure up to the requirements will have to pay a higher premium which leads to the driver buying from a lower-cost company. The ads say “customers that switch” not “everyone that quotes” save that much. That’s the way insurance companies can confidently state the savings.
Because of the profiling, drivers should get as many quotes as possible. You cannot predict which insurance companies will give you the biggest savings on Jeep Grand Cherokee insurance.
Your coverage should be tailored to you
When it comes to buying proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that might point out if your situation might need an agent’s assistance.
- Is my teenager covered with friends in the car?
- What is no-fault insurance?
- When would I need additional glass coverage?
- Do I need added coverage for expensive stereo equipment?
- Will filing a claim cost me more?
- Am I covered if I hit my neighbor’s mailbox?
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.
Insurance coverage breakdown
Having a good grasp of your insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.
Uninsured/Underinsured Motorist coverage
This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Jeep Grand Cherokee.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are similar to your liability insurance amounts.
Liability insurance protects you from damage or injury you incur to other people or property that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.
Liability can pay for claims like legal defense fees, pain and suffering, funeral expenses and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance pay for immediate expenses such as doctor visits, chiropractic care and pain medications. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
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 coverage protects against things such as hitting a bird, vandalism, a broken windshield and theft. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
This coverage pays for damage to your Grand Cherokee from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as crashing into a building, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.
Be a money saver!
We just presented a lot of tips how to lower your 1998 Jeep Grand Cherokee insurance rates. The most important thing to understand is the more companies you get rates for, the better your comparison will be. You may even find the lowest premiums are with the least-expected company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.
Low-cost insurance can be found both online as well as from independent agents, so you should compare both to have the best rate selection. Some companies don’t offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.
To learn more, take a look at the articles below:
- Airbag FAQ (iihs.org)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
- Speed and Speed Limit FAQ (iihs.org)
- Auto Theft Statistics (Insurance Information Insitute)
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