Cheapest 1999 Jeep Grand Cherokee Insurance Rates in 2023
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UPDATED: Jun 2, 2023
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Searching for lower insurance coverage rates for your Jeep Grand Cherokee? Did you fall for a flashy sales pitch and buy high-priced insurance coverage? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.
You have so many insurers to pick from, and although it’s nice to have multiple companies, too many choices makes it more difficult to compare rates.
This information will help you learn how car insurance quotes work and some tricks to saving. If you are paying for car insurance now, you will be able to save some money using this information. Although consumers can benefit by having an understanding of the methods companies use to price insurance differently and apply this information to your search.
The method we recommend to compare rate quotes is to take advantage of the fact most insurance companies actually pay money for the chance to compare rate quotes. To begin a comparison, all you need to do is provide a little information including how old drivers are, what you do for a living, if a SR-22 is required, and your credit rating estimate. Your insurance information is then sent to multiple different insurance companies and they respond with quotes within a short period of time.
To check rates for your Jeep Grand Cherokee , click here and complete the form.
Are you getting all your discounts?
Insuring your fleet can be pricey, but you may find discounts to help offset the cost. Some discounts apply automatically when you purchase, but less common discounts must be specifically requested in order for you to get them.
- Lower Rates for Military – Having a family member in the military can result in better rates.
- Seat Belt Usage – Requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
- Claim Free – Drivers with accident-free driving histories can earn big discounts as compared to accident-prone drivers.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
- No Charge for an Accident – A handful of insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a set time period.
- Discount for New Cars – Adding a new car to your policy can save up to 30% since new cars are generally safer.
It’s important to note that most credits do not apply to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. Just because you may think you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts will cut your premiums.
For a list of insurers offering insurance discounts, click this link.
Tailor your coverage to you
When it comes to choosing the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions may help you determine whether you will benefit from professional help.
- How high should deductibles be on a 1999 Jeep Grand Cherokee?
- Is upholstery damage covered by car insurance?
- How many claims can I have before being canceled?
- Are rock chip repairs covered?
- Do I get a pro-rated refund if I cancel my policy early?
- Is my dog or cat covered if injured in an accident?
- Do I pay less for low miles?
- What is no-fault insurance?
- Do I need to file an SR-22 for a DUI in my state?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.
Learn about insurance coverages for a 1999 Jeep Grand Cherokee
Having a good grasp of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.
Uninsured and underinsured coverage
This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Jeep Grand Cherokee.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.
This will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from legal claims by others. 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 liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.
Liability coverage pays for things such as medical services, court costs, emergency aid and structural damage. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.
Coverage for medical payments
Med pay and PIP coverage kick in for immediate expenses such as EMT expenses, doctor visits and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims like damage from flooding, fire damage and damage from getting keyed. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Coverage for collisions
Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as sideswiping another vehicle, driving through your garage door, damaging your car on a curb, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.
Frequently Asked Questions
How can I find the cheapest insurance for my 1999 Jeep Grand Cherokee?
To find the cheapest insurance for your 1999 Jeep Grand Cherokee, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Research discounts: Inquire about any available discounts for features such as anti-theft devices, safety features, or multiple policy bundling.
- Opt for higher deductibles: Choosing a higher deductible can lower your premium, but be prepared to pay more out of pocket in the event of a claim.
- Maintain a good driving record: Safe driving habits and a clean record can help you qualify for lower insurance rates.
- Consider usage-based insurance: Some insurers offer programs that base premiums on your driving habits. If you’re a low-mileage driver, this could potentially result in lower rates.
Does the age of my 1999 Jeep Grand Cherokee affect insurance rates?
Yes, the age of your vehicle can impact insurance rates. Older vehicles typically have lower market values, which can result in lower premiums. However, other factors like the model’s safety features, repair costs, and theft rates may still influence the insurance rates.
Are there any specific factors that affect the insurance rates for a 1999 Jeep Grand Cherokee?
Yes, several factors can affect insurance rates for a 1999 Jeep Grand Cherokee, including:
- Location: Rates may vary based on your location due to factors like population density, crime rates, and accident statistics.
- Driver’s age and experience: Young or inexperienced drivers may face higher insurance premiums.
- Driving record: A history of accidents, traffic violations, or DUI convictions can increase insurance rates.
- Coverage options: The type and amount of coverage you choose will affect your insurance premiums. Minimum liability coverage will generally be less expensive than comprehensive coverage.
- Vehicle usage: How you use your Jeep Grand Cherokee, such as for personal or business purposes, can impact your insurance rates.
Are there any specific insurance coverages recommended for a 1999 Jeep Grand Cherokee?
While specific insurance needs may vary, it’s generally recommended to consider the following coverages for a 1999 Jeep Grand Cherokee:
- Liability coverage: This covers damages and injuries you may cause to others in an accident.
- Collision coverage: This pays for repairs or replacement if your Jeep is damaged in a collision with another vehicle or object.
- Comprehensive coverage: This protects against non-collision-related damages, such as theft, vandalism, or weather-related incidents.
- Uninsured/underinsured motorist coverage: This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or has inadequate coverage.
- Personal injury protection (PIP): Depending on your location, PIP coverage may be mandatory. It covers medical expenses and lost wages for you and your passengers in case of an accident.
Can modifications to a 1999 Jeep Grand Cherokee affect insurance rates?
Yes, modifications to your 1999 Jeep Grand Cherokee can potentially affect insurance rates. Modifications that increase the vehicle’s value, performance, or make it more susceptible to theft may result in higher premiums. It’s important to inform your insurance provider about any modifications you’ve made to ensure adequate coverage.
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