Finding cheaper insurance for a Jeep Grand Wagoneer can be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to shop for car insurance and we’ll show you the absolute fastest way to quote coverages for a new or used Jeep and get the lowest price from both online companies and local agents.
It’s a good idea to shop coverage around occasionally because rates are constantly changing. Just because you found the lowest price for Grand Wagoneer coverage on your last policy you can probably find a better price now. Starting right now, forget all the misinformation about car insurance because we’re going to show you the easiest way to reduce your cost while increasing coverage.
Jeep Grand Wagoneer rates are complex
Consumers need to have an understanding of the rating factors that play a part in calculating car insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that can help you get lower car insurance prices.
- Liability coverage is cheap – Liability insurance provides coverage in the event that you are found to be at fault for personal injury or accident damage. It will provide you with a defense in court up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
- Don’t buy coverages you don’t need – There are many additional coverages you can purchase when buying car insurance. Coverages like roadside assistance, better glass coverage and additional equipment coverage are some examples. These coverages may sound good at first, but now you might not need them so get rid of them and save.
- Performance makes a difference – The performance level of the car you are insuring makes a huge difference in your rates. Due to the fact that the Jeep Grand Wagoneer is classified as a standard SUV, insuring your vehicle will cost slighty more than the average rate where you live. Economy passenger models generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.
- Better crash test results mean better rates – Cars with high safety ratings tend to have better insurance rates. Safe vehicles protect occupants better and fewer injuries means lower claim amounts and thus lower rates. If your Jeep Grand Wagoneer scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
Comprehensive Car Insurance Comparison Quotes
When shopping for car insurance there are multiple ways to compare rate quotes from local car insurance companies. The simplest method to find the cheapest Jeep Grand Wagoneer insurance rates consists of obtaining rate quotes online. This can be accomplished in several different ways.
- One of the best ways to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing repetitive form submissions for every car insurance company. Just one form gets you price quotes from several companies. It’s the fastest way to compare.
- A less efficient way to obtain and compare quotes online is to take the time to go to the website for every company you want to comare to request a price quote. For sake of this example, we’ll assume you want comparison quotes from Nationwide, GEICO and Liberty Mutual. To get each rate you have to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
- The least efficient method of getting rate comparisons is driving around to local insurance agencies. Shopping for car insurance online eliminates the need for an insurance agent unless you want the professional guidance of a local agent. However, consumers can compare online quotes but buy from a local insurance agent and we’ll cover that in a bit.
Whichever way you use, make absolute certain that you use apples-to-apples coverage limits and deductibles for each comparison quote. If you use mixed coverages it’s not possible to decipher which rate is best. Having just a slight variation in insurance coverages may result in large price differences. And when price shopping your coverage, getting more free quotes helps you find a lower rate.
These discounts can slash car insurance rates
Auto insurance companies don’t necessarily list every discount in a way that’s easy to find, so we took the time to find both the well known as well as the least known savings tricks you should be using.
- Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
- Student in College – Youth drivers who live away from home without a vehicle on campus can receive lower rates.
- Fewer Miles Equal More Savings – Low mileage vehicles can earn a substantially lower rate.
- Homeowners Pay Less – Being a homeowner can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
- Early Switch Discount – Select companies give a discount for switching policies before your current expiration date. It’s a savings of about 10%.
- Good Student – This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
- Anti-theft System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
Keep in mind that most discounts do not apply the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way.
For a list of companies who offer car insurance discounts, click here.
Quote online but work with a neighborhood agent
Some people would rather buy from a licensed agent and there is nothing wrong with that. The biggest benefit of getting online price quotes is the fact that you can find better rates but still work with a licensed agent.
By using this short form, the quote information gets sent to participating agents who will give you bids for your coverage. You won’t need to even leave your home since price quotes are sent to your email. How cool is that?! It’s the lowest rates AND a local agent.
Picking an insurer requires more thought than just a low price. Agents should be asked these questions:
- If your car is in the repair shop, do you have coverage for a rental car?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Which members of your family are coverage by the policy?
- Are you getting all the discounts the company offers?
- How are claims handled?
- Can they provide you with a list of referrals?
- Does the agency have a good rating with the Better Business Bureau?
- Do they make recommendations based only on price?
To view a list of agents in your state to contact, visit this page.
Upon getting positive feedback to your questions and locked in a price quote, most likely you have located an insurer that is a good match to properly service your car insurance policy.
Different people need different coverages
When buying coverage for your personal vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.
For example, these questions can help discover if you might need an agent’s assistance.
- Does having multiple vehicles earn me a discount?
- Can I pay claims out-of-pocket if I buy high deductibles?
- What is high-risk coverage and where do I buy it?
- Where can I get insurance after a DUI in my state?
- Who is covered when they drive my Jeep Grand Wagoneer?
- Do I need motorclub coverage?
If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form.
Cheaper insurance is a realistic goal
Discount Jeep Grand Wagoneer insurance is attainable from both online companies and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not offer the ability to get a quote online and these smaller companies work with independent agents.
Consumers switch companies for any number of reasons including policy cancellation, denial of a claim, delays in responding to claim requests or high rates after DUI convictions. Regardless of your reason, switching car insurance companies is less work than it seems.
We’ve covered quite a bit of information on how to reduce Jeep Grand Wagoneer insurance prices online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the lowest priced car insurance comes from the least-expected company.
