1994 Jeep Grand Cherokee Car Insurance Rates – 6 Ideas for Best Quotes

Looking for lower car insurance rates for your Jeep Grand Cherokee? Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, there are lots of people in the same boat.

There are many car insurance companies to pick from, and although it’s a good thing to have a selection, lots of choices makes it harder to find the lowest rates.

You need to shop coverage around quite often since rates change frequently. Despite the fact that you may have had the best rates on Grand Cherokee insurance two years ago you may be paying too much now. Starting right now, forget anything you know (or think you know) about car insurance because you’re going to get a crash course in one of the easiest ways to save money, get proper coverage and the best rates.

Compare Insurance Coverage Today

There are a lot of ways to compare insurance coverage prices but one way is more efficient than others. You could spend your day talking about coverages with insurance companies in your area, or you can utilize online quoting to get rate comparisons in just a few minutes.

Most car insurance companies enroll in a system where prospective buyers complete one form, and every company returns a rated price based on that information. This saves time by eliminating repetitive form submissions for every insurance coverage company.

To find out what other companies charge for 1994 Jeep Grand Cherokee insurance click here (opens in new window).

The single downside to using this type of system is you don’t know exactly which carriers to get pricing from. So if you want to choose specific insurance companies to compare prices, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverage limits for every quote you compare. If you enter different limits and deductibles on each one you can’t possibly determine the lowest rate for your Jeep Grand Cherokee. Slightly different limits may cause a big price difference. Keep in mind that getting more free quotes helps locate a lower rate.

Buyer beware of car insurance advertising tricks

Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. All the companies say the same thing that you’ll save big after switching your coverage to them. How can each company make almost identical claims? It’s all in the numbers.

Insurance companies can use profiling for the type of customer they prefer to insure. For instance, a profitable customer could be between the ages of 40 and 55, insures multiple vehicles, and drives newer vehicles. A driver who matches those parameters receives the best rates and most likely will save when switching.

Drivers who don’t meet these standards must pay higher rates and ends up with the driver buying from a lower-cost company. The ads say “customers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can confidently state the savings.

This illustrates why you need to get as many comparisons as possible. Because you never know which car insurance company will have the lowest Jeep Grand Cherokee insurance rates.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not even be aware of. Certain discounts will be applied when you quote, but some must be asked about before you will receive the discount.

  • Safety Course Discount – Completing a defensive driving course can save you 5% or more if you qualify.
  • Air Bag Discount – Factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance coverage because maintaining a house shows financial diligence.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Club Memberships – Belonging to a professional or civic organization may earn a discount on insurance coverage on Grand Cherokee insurance.
  • New Car Discount – Insuring a new car can be considerably cheaper since new cars are generally safer.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. Even though it may seem like you can get free auto insurance, insurance coverage companies aren’t that generous. But any discount will help reduce your overall premium however.

Companies that possibly offer some of the above discounts may include but are not limited to:

Before buying, ask every prospective company which discounts they offer. Savings might not apply everywhere.

How do I know if I need professional advice?

When choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might help in determining whether or not you might need professional guidance.

  • Is upholstery damage covered by car insurance?
  • How can I find cheaper teen driver insurance?
  • Is business equipment covered while in my vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How much liability coverage do I need in my state?
  • How can I get high-risk coverage after a DUI?
  • When does my teenage driver need to be added to my policy?
  • What is the rate difference between pleasure use and commuting?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these 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, simply complete this short form or click here for a list of insurance coverage companies in your area.

What insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Liability coverage

This can cover damage that occurs to other people or property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like repair bills for other people’s vehicles, structural damage and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision insurance

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

Collision insurance covers things like hitting a mailbox, colliding with another moving vehicle, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, hail damage, damage from a tornado or hurricane and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for surgery, hospital visits and ambulance fees. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Grand Cherokee.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these coverages do not exceed the liability coverage limits.

Feed the piggy bank

While you’re price shopping online, never reduce coverage to reduce premium. There are too many instances where an insured cut liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

We’ve covered a lot of ways to lower your 1994 Jeep Grand Cherokee insurance rates. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the lowest priced auto insurance comes from a small mutual company. These companies often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

Cost effective insurance can be purchased on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. Some companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

Additional auto insurance information can be found at these links: