Save on 1991 Jeep Cherokee Car Insurance Quotes

Searching for better insurance prices for a Jeep Cherokee can be difficult, but you can use the following methods to find lower rates. There is a better way to find insurance online so we’re going to tell you the absolute fastest way to get price quotes on a Jeep and obtain the lowest possible price from local insurance agents and online providers.

How to Compare Insurance

Effectively comparing insurance prices can be a daunting task if you don’t utilize the most efficient way to do it. You could spend the better part of a day talking to insurance agencies in your area, or you could save time and use the web to get the quickest rates.

Most car insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and every company then returns a price quote. This system prevents you from having to do repetitive form submissions to every company. To find out how much you can save on insurance click to open in new window.

One minor caviat to pricing coverage this way is you can’t choose which companies to get quotes from. So if you want to select specific insurance companies to request quotes from, we have a listing of companies who write insurance in your area. Click to view list.

Which method you use is up to you, but make sure you use exactly the same quote information on every quote. If your comparisons have higher or lower deductibles it’s impossible to find the best deal for your Jeep Cherokee.

Why your Jeep Cherokee might be costing you more

Consumers need to have an understanding of the different types of things that help determine your car insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that will entitle you to much lower annual insurance costs.

  • Cautious drivers pay less – Good drivers tend to pay less for car insurance than their less careful counterparts. Only having one citation can increase rates twenty percent or more. Drivers with dangerous tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • Claim-free discounts can add up – Insurance companies award lower rates to policyholders who are claim-free. If you are a frequent claim filer, you can expect either higher rates or even cancellation. Insurance coverage is designed for larger claims.
  • Optional equipment can affect rates – Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • Do you know your deductibles? – Your deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims could be running into the backend of another car, vandalism, and burglary. The higher the amount you have to pay, the bigger discount you will receive on Cherokee coverage.
  • Pleasure use or commuting – Driving more miles in a year’s time the higher your rate. The majority of insurers rate vehicles based on their usage. Cars and trucks left parked in the garage get more affordable rates than vehicles that are driven to work every day. Make sure your car insurance coverage properly reflects the proper vehicle usage. If your policy improperly rates your Cherokee may be costing you.
  • Bundling policies can get discounts – Most car insurance companies will give a discount to policyholders who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to compare other company rates to verify if the discount is saving money. You may still be able to find a better deal by buying car insurance from a different company.
  • Being married can save on car insurance – Getting married helps lower the price on your car insurance policy. Marriage translates into being more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Your location affects your rates – Choosing to live in a small town can be a good thing when buying car insurance. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft. Drivers in populated areas tend to have much more traffic to deal with and longer commutes to work. Longer commute distances can result in more accidents.

Cut your premium with discounts

Companies don’t necessarily list all available discounts in a way that’s easy to find, so here is a list both the well known as well as the least known car insurance savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Bundle and Save – When you combine your home and auto insurance with one company you will save up to 20% off your total premium.
  • 55 and Retired – Older drivers may be able to get reduced rates on Cherokee coverage.
  • Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Cherokee coverage depending on your company.
  • Life Insurance – Larger companies have a break if you buy a life insurance policy as well.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of providers who offer car insurance discounts, click here.

What is the best insurance coverage?

When buying adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique.

These are some specific questions can help discover whether your personal situation might need professional guidance.

  • Are my tools covered if they get stolen from my vehicle?
  • Should I have combined single limit or split liability limits?
  • Is my camper covered by my car insurance policy?
  • Is rental equipment covered for theft or damage?
  • Do I need higher collision deductibles?
  • Am I covered if hit by an uninsured driver?

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. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Information about specific coverages

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 1991 Jeep Cherokee.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Collision – This coverage will pay to fix damage to your Cherokee resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like sustaining damage from a pot hole, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Liability coverages – This provides protection from damage that occurs to other people or property. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like funeral expenses, court costs, legal defense fees and loss of income. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Comprehensive auto coverage – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as fire damage, hitting a bird, damage from flooding and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for short-term medical expenses for things like surgery, rehabilitation expenses and dental work. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Take this to the bank

The cheapest 1991 Jeep Cherokee insurance can be sourced from both online companies and with local insurance agents, so you should compare both so you have a total pricing picture. A few companies do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. There have been many cases where drivers have reduced liability coverage limits only to regret at claim time that it was a big mistake. Your strategy should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

Insureds switch companies for a variety of reasons including poor customer service, denial of a claim, an unsatisfactory settlement offer or even not issuing a premium refund. Regardless of your reason, switching companies is not as difficult as it may seem.

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