1991 Jeep Cherokee Insurance Rates – 5 Tricks for Cheaper Quotes

Want the cheapest insurance coverage rates? Drivers have many options when trying to find the best price on Jeep Cherokee insurance. You can either waste hours struggling with agents to get rate comparisons or utilize the internet to find the lowest rates. There is a right way and a wrong way to buy insurance coverage and you need to know the best way to price shop coverage for your Jeep and obtain the cheapest rates.

You need to shop coverage around occasionally because rates go up and down regularly. Just because you found the lowest rates on Cherokee coverage last year there is a good chance you can find better rates now. You can find a lot of misleading information regarding insurance coverage online but we’re going to give you some tested techniques to find affordable insurance coverage.

If you have a policy now or are shopping for new coverage, you can use these tips to find the best rates and possibly find even better coverage. The purpose of this post is to familiarize you with how to effectively get price quotes and some tricks to saving. Vehicle owners just need to learn how to buy auto insurance online.

Don’t pay full price with these five discounts

Car insurance companies don’t always advertise all their discounts in an easy-to-find place, so we researched some of the best known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on Cherokee coverage than drivers with accidents.
  • Life Insurance Discount – Some companies give a discount if you purchase a life insurance policy as well.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Passive Restraints – Cars that have air bags or automatic seat belts may earn rate discounts of more than 20%.

It’s important to note that many deductions do not apply to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. So when it seems like you could get a free car insurance policy, it doesn’t quite work that way.

Companies who might offer these benefits are:

Before buying, ask each company which discounts they offer. Some discounts might not apply in your area.

Your personal situation dictates your coverage

When it comes to choosing coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different.

For example, these questions might point out if your situation might need professional guidance.

  • Can my babysitter drive my car?
  • What if I total my 1991 Jeep Cherokee and owe more than it’s worth?
  • Can I drive in Mexico and have coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my teen driver covered when they drive my company car?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Car insurance myths debunked

Consumers constantly see and hear ads that promise big savings from the likes of Allstate and Progressive. All the ads have a common claim about savings if you switch your coverage to them.

But how can every company make almost identical claims? It’s all in the numbers.

All companies can use profiling for the driver they prefer to insure. An example of a preferred risk could be between 25 and 40, a clean driving record, and drives newer vehicles. A propective insured who matches those parameters will get the preferred rates and most likely will save quite a bit of money when switching.

Consumers who don’t measure up to these standards will be quoted higher prices which usually ends up with the customer not buying. Company advertisements say “people who switch” not “people who quote” save that much. That is how insurance companies can claim big savings. This emphasizes why drivers should get a wide range of price quotes. Because you never know which insurance companies will fit your personal profile best.

Insurance policy specifics

Having a good grasp of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Auto collision coverage

Collision insurance pays for damage to your Cherokee caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like driving through your garage door, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as rock chips in glass, damage from flooding, fire damage, hail damage and theft. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability

This can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as medical expenses, court costs, attorney fees and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 1991 Jeep Cherokee.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for expenses for things like rehabilitation expenses, dental work and EMT expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Final considerations

Cost effective 1991 Jeep Cherokee insurance is available online and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

When shopping online for car insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, someone sacrificed collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at an affordable rate.

Insureds switch companies for many reasons like poor customer service, delays in responding to claim requests, extreme rates for teen drivers and delays in paying claims. Regardless of your reason, finding a new car insurance company can be pretty painless.

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