Best 9 Ways You Can Insure a Jeep Grand Wagoneer Cheaply

Best 9 Ways You Can Insure a Jeep Grand Wagoneer Cheaply

Locating low-cost insurance for a new or used Jeep Grand Wagoneer can normally be a painful process, but you can use a few tricks to save time.

There is a better way to shop for auto insurance so you’re going to learn the best way to compare rates for a new or used Jeep and locate the cheapest rates from local insurance agents and online providers.

You should take the time to compare premium rates quite often because auto insurance prices are adjusted regularly by insurance companies. Even if you think you had the best rate for Grand Wagoneer insurance on your last policy other companies may now be cheaper. You can find a lot of misleading information regarding auto insurance online, but you can learn a lot of great tips on how to find cheap auto insurance.

Finding affordable auto insurance is not that difficult. In a nutshell, anyone who has to buy auto insurance stands a good chance to be able to cut their insurance bill. But consumers need to have an understanding of how insurance companies market insurance on the web because it can help you find the best coverage.

Comparing auto insurance rates can take hours if you don’t know the fastest way to get free quotes. You can spend countless hours talking to local insurance agents in your area, or you can stay home and use online quotes to achieve your goal.

All the larger companies belong to an insurance system where prospective buyers send in one quote, and at least one company can give them a price. This saves time by eliminating repetitive form submissions to each individual auto insurance company.

To compare rates using this form now click here (opens in new window).

The one downside to comparing rates this way is that consumers can’t choose which carriers you want pricing from. If you wish to select individual companies to compare prices, we have assembled a list of companies who write auto insurance in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make sure you are using nearly identical quote data with each company. If each company quotes different liability limits you can’t possibly truly determine the lowest rate. Just slight variations in insurance coverages or limits could throw off the whole comparison. And when comparison shopping, getting more free quotes will improve the odds of getting the best price. Not every company provides price estimates online, so you also need to get rates from those companies as well.

Can you really save $492 a year?

Auto insurance providers like Progressive, Allstate and GEICO regularly use television and radio advertisements. All the ads try to convey promises that you’ll save big after switching your policy. How is it possible that every company can sell you cheaper insurance coverage? Here is the trick they use.

All the different companies offer their best rates for the type of driver they prefer to insure. For instance, this type of insured might have to be a married male, has other policies, and drives a safe vehicle. Any customer that meets those criteria gets the lowest rates and most likely will cut their rates substantially.

Potential insureds who don’t measure up to this stringent profile will have to pay higher rates which translates to business going elsewhere. If you pay close attention to the ads, they say “people who switch” not “all people who quote” save that much when switching. That’s why companies can truthfully lure you into getting a quote.

This really illustrates why you need to quote coverage with many companies. Because you never know which insurance companies will give you lower rates than your current company.

Take these nine policy discounts and save

Car insurance companies don’t list every disount available very well, so the following is a list of some of the best known as well as some of the hidden credits that you can use to lower your rates.

  • First Accident Forgiveness – This isn’t a discount exactly, but companies like GEICO, Allstate and Liberty Mutual will turn a blind eye to one accident before hitting you with a surcharge if you have no claims before the accident.
  • Military Rewards – Having a deployed family member could mean lower premium rates.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for reduced rates for Grand Wagoneer insurance.
  • Online Discount – Certain insurance companies will give a small break just for signing your application on their website.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if it’s offered in school.
  • Passive Restraints and Air Bags – Factory options such as air bags may earn rate discounts of 20 to 30 percent.
  • Telematics Devices – Drivers who elect to allow their auto insurance company to monitor when and where they use their vehicle by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they exhibit good driving behavior.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices help deter theft and earn discounts up to 10% off your .
  • Payment Discounts – By paying your policy upfront instead of paying each month you can avoid monthly service charges.

Just know that most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like medical payments or collision. Even though the math looks like all the discounts add up to a free policy, companies wouldn’t make money that way.

A few popular companies and some of the discounts are included below. car insurance

  • GEICO policyholders can earn discounts including anti-lock brakes, good student, defensive driver, emergency military deployment, seat belt use, and multi-vehicle.
  • Travelers offers premium reductions for new car, IntelliDrive, multi-car, driver training, payment discounts, and continuous insurance.
  • Nationwide offers discounts including easy pay, good student, defensive driving, Farm Bureau membership, and multi-policy.
  • Farmers Insurance may include discounts for pay in full, teen driver, early shopping, mature driver, youthful driver, distant student, and business and professional.
  • Esurance offers discounts for online quote, Switch & Save, multi-policy, homeowner, emergency road assistance, Pac-12 alumni, and online shopper.
  • State Farm may offer discounts for multiple policy, multiple autos, safe vehicle, passive restraint, anti-theft, Steer Clear safe driver discount, and good student.
  • Progressive may have discounts that include multi-policy, good student, multi-vehicle, continuous coverage, and online signing.
  • Mercury Insurance discounts include low natural disaster claims, professional/association, anti-theft, accident-free, location of vehicle, multi-car, and age of vehicle.

It’s a good idea to ask all companies you are considering how you can save money. Some of the earlier mentioned discounts might not be offered in your area. To see insurers that have a full spectrum of discounts, click this link.

When to talk to an agent

Some people would prefer to sit down and talk to an agent. One of the best bonuses of comparing rate quotes online is you may find lower rates and also buy local. And buying from local insurance agents is especially important if you live in a smaller city or town.

By using this short form, your information gets sent to local insurance agents who will return price quotes for your insurance coverage. You never need to search for an agent since rate quotes are delivered to your email. It’s the lowest rates without requiring a lot of work. If you wish to get a price quote for a specific company, don’t hesitate to jump over to their website and fill out their quote form.

The type of auto insurance agent you choose is important

If you’re trying to find a reliable agent, it can be helpful to understand the different types of agents that you can select. Insurance agencies are considered either independent or captive depending on the company they work for.

Independent Auto Insurance Agencies or Brokers

These type of agents often have many company appointments and that gives them the ability to insure through lots of different companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies which is easy for the insured. If you need cheaper auto insurance rates, you should always include a few independent agents to get the most accurate price comparison. Most also have access to mutual insurance companies that may have much lower rates than larger companies.

Captive Insurance Agencies

Agents that choose to be captive are contracted to one company and some examples include State Farm, Allstate, and Farm Bureau. Captive agents are unable to shop your coverage around so keep that in mind. Captive insurance agents are highly trained on their company’s products and that enables them to sell even at higher rates. A lot of people buy insurance from these agents partially due to the prominence of the brand and the convenience of having all coverages with one company.

To see available agents near you, see this list of auto insurance providers.

Choosing the best car insurance agent shouldn’t rely on just the bottom line cost. Here are some questions you might want to ask.

  • Will one accident increase rates?
  • In the event of vehicle damage, can you pick the collision repair facility?
  • Are you getting all the discounts the company offers?
  • Are they paid to recommend certain coverages?
  • Are there any extra charges for paying monthly?
  • Is the coverage adequate for your vehicle?
  • Can they give you a list of client referrals?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

If you receive satisfactory answers to any questions you have as well as a price you’re happy with, you may have found a car insurance agent that is professional and can adequately provide auto insurance. But remember, you are able to cancel your coverage at any time so never assume you are locked into a specific agent indefinitely.

Do I just need basic coverages?

When buying proper insurance coverage, there really is not a cookie cutter policy. Each situation is unique.

For instance, these questions might help in determining whether or not you might need an agent’s assistance.

  • What is high-risk coverage and where do I buy it?
  • Is my Jeep Grand Wagoneer covered for flood damage?
  • Do I have any recourse if my insurance company denies a claim?
  • Does having multiple vehicles earn me a discount?
  • When should my teen driver be added to my policy?
  • When would I need additional glass coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Coverages available on your policy

Learning about specific coverages of auto insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Coverage for collisions

Collision insurance covers damage to your Grand Wagoneer resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as rolling your car, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, falling objects and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Jeep Grand Wagoneer.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability insurance

This protects you from damage that occurs to people or other property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like repair costs for stationary objects, medical expenses, attorney fees, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as X-ray expenses, pain medications, funeral costs and surgery. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Don’t give up on cheaper premiums

When searching for , it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced collision coverage and discovered at claim time that it was a big mistake. Your aim should be to buy a smart amount of coverage at a price you can afford, but do not skimp to save money.

Consumers switch companies for a variety of reasons including an unsatisfactory settlement offer, lack of trust in their agent, extreme rates for teen drivers and denial of a claim. Regardless of your reason for switching companies, finding a new company is not as hard as you think.

Discount Jeep Grand Wagoneer insurance is possible on the web in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not provide online price quotes and many times these smaller companies only sell coverage through independent agents.