1991 Jeep Comanche Insurance Quotes

Locating the cheapest insurance for a Jeep Comanche could be a painful process, but you can use a few tricks to make it easier. There is a better way to find auto insurance online so you’re going to learn the quickest way to price shop coverage for a new or used Jeep and get the lowest possible price from local insurance agents and online providers.

Smart consumers take time to get comparison quotes once or twice a year because insurance rates trend upward over time. If you had the lowest price on Comanche coverage a year ago you can probably find a better price now. You can find a lot of misleading information regarding auto insurance online, so we’re going to give you some solid techniques on how to reduce your auto insurance bill.

The most recommended method to compare car insurance rates is to take advantage of the fact most larger insurance companies allow for online access to provide you with free rate quotes. To start a quote, the only thing you need to do is provide a small amount of information like what your job is, distance driven, if you’re married, and the ages of drivers. Your insurance information is automatically sent to multiple different insurance companies and they respond with quotes instantly.

Be sure to get all your discounts

Companies do not list every available discount in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known discounts you could be receiving. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Homeowners Savings – Simply owning a home may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Sign Early and Save – Select companies give a discount for signing up before your current expiration date. It can save you around 10%.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Good Student – This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.

It’s important to note that some of the credits will not apply to your bottom line cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky.

For a list of companies offering car insurance discounts, click here.

How do I know if I need professional advice?

When choosing the best car insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if your insurance needs may require specific advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I pay less for low miles?
  • What is PIP insurance?
  • Does liability extend to a camper or trailer?
  • Should I waive the damage coverage when renting a car?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What happens if I owe more than my 1991 Jeep Comanche is worth?
  • Is extra glass coverage worth it?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Car insurance coverage information

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Auto liability

Liability coverage provides protection from damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like legal defense fees, medical services, bail bonds, attorney fees and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Collision coverage protection

This coverage covers damage to your Comanche caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, driving through your garage door, colliding with another moving vehicle, crashing into a building and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as pain medications, hospital visits and EMT expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Jeep Comanche.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, falling objects, damage from flooding, hitting a deer and damage from a tornado or hurricane. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.