Cheaper 1997 Jeep Cherokee Insurance Quotes

Are you tired of being strong-armed to insure your Jeep every month? Your situation is no different than many other consumers.

With consumers having so many insurance companies to choose from, it can be challenging to find the lowest cost provider.

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There are multiple methods to shop for 1997 Jeep Cherokee car insurance, but some are more efficient than others. You could spend your day talking about coverages with agents in your area, or you could save time and use the internet to get rates in a matter of minutes.

The majority of car insurance companies belong to an insurance system where insurance shoppers submit one quote, and each company returns a rated price based on that data. This system prevents you from having to do form submissions to every company. To enter your information into the quoting system, click here to start a free quote.

The one disadvantage to doing it this way is that consumers can’t choose the insurers to get quotes from. If you prefer to choose specific insurance companies to request quotes from, we have a listing of car insurance companies in your area. Click here to view list.

However you get your quotes, make sure you use identical information on every quote you get. If you compare different liability limits then you won’t be able to determine which rate is truly the best. Just a small difference in limits may result in large price differences. And when price shopping your coverage, comparing a large number of companies will increase your chances of finding the best rates.

More discounts equal less premium

Companies offering auto insurance don’t always publicize all available discounts very well, so here is a list some of the best known and the harder-to-find ways to save on insurance.

  • Fewer Miles Equal More Savings – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Student in College – Youth drivers who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Driver Safety – Completing a course in driver safety can save you 5% or more depending on where you live.
  • No Charge for an Accident – A few companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
  • Safe Driver Discount – Safe drivers may save up to 50% more on Cherokee insurance than drivers with accidents.

Drivers should understand that some credits don’t apply the the whole policy. Most only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like all the discounts add up to a free policy, you’re out of luck.

For a list of insurance companies with discount insurance rates, click here to view.

It’s not one size fits all

When choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Does my 1997 Jeep Cherokee qualify for pleasure use?
  • How do I insure my teen driver?
  • When would I need rental car insurance?
  • What is medical payments coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my dog or cat covered if injured in an accident?
  • I have a DUI can I still get coverage?
  • Should I have a commercial auto policy?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Factors that can influence Jeep Cherokee insurance rates

An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for auto insurance. Knowing what influences your rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Shown below are a partial list of the pieces used by your company to calculate your rates.

  • Extra coverages can waste money – There are many add-on coverages you can purchase on your auto insurance policy. Coverages for rental car reimbursement, better glass coverage and motor club memberships are some examples. These may sound like a good investment when talking to your agent, but if you don’t need them eliminate them to save money.
  • Marriage pays dividends – Having a wife or husband can actually save you money on your auto insurance policy. Having a spouse means you’re more responsible it has been statistically shown that married couples file fewer claims.
  • Better credit means lower rates – Having a bad credit rating is a big factor in calculating your auto insurance rates. People with high credit ratings tend to be more responsible as compared to drivers with lower ratings. Therefore, if your credit can use some improvement, you could save money insuring your 1997 Jeep Cherokee by improving your rating.
  • Women pay lower rates – The statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men tend to get into accidents at a similar rate, but the men have costlier accidents. Men also statistically get cited for more serious violations such as DWI and reckless driving. Young males are the most expensive to insure and therefore have the most expensive auto insurance rates.
  • Always keep insurance in force – Driving your car without having proper coverage is illegal and your next policy will cost more because you let your coverage lapse. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.
  • You might want pay the small claims yourself – Car insurance companies generally give discounts to drivers who file claims infrequently. If you file claims often, you can definitely plan on either higher rates or even cancellation. Your insurance policy is intended to be relied upon for larger claims.
  • What are your deductibles? – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Jeep. Some examples of claims that would be covered would be colliding with a building, vandalism, and rolling your vehicle. Your deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The higher the amount the insured has to pay upfront, the lower your rates will be on Cherokee insurance.
  • Older drivers pay less – Teenage drivers have a tendency to be less responsible when behind the wheel so auto insurance rates are higher. Older insureds tend to be more responsible, file fewer claims and tend to be better behind the wheel.

Specifics of your car insurance policy

Knowing the specifics of car insurance can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average car insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive auto coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, vandalism, theft, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability insurance will cover damage that occurs to other people or property. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for things like structural damage, court costs and loss of income. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Collision coverage – Collision insurance will pay to fix damage to your Cherokee resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, backing into a parked car, hitting a parking meter, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Med pay and PIP coverage pay for short-term medical expenses for ambulance fees, surgery, EMT expenses, hospital visits and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Feed the piggy bank

We’ve covered a lot of ways to shop for 1997 Jeep Cherokee insurance online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. You may even discover the lowest rates come from some of the lesser-known companies. They may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where someone dropped liability limits or collision coverage only to regret at claim time that it was a big mistake. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

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