Save on 1990 Jeep Cherokee Car Insurance Quotes

Want lower car insurance rates for your Jeep Cherokee? Confused by the number of car insurance companies? Lot’s of other consumers are too. People have so many options available that it can be more work than you anticipated to compare prices.

Discounts are basically free money

Car insurance companies don’t always publicize every available discount very clearly, so we break down both well-publicized and the more hidden savings tricks you should be using.

  • Organization Discounts – Participating in a civic or occupational organization could qualify you for a break on auto insurance on Cherokee insurance.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Own a Home – Simply owning a home can save you money because of the fact that having a home is proof that your finances are in order.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. So when it seems like adding up those discounts means a free policy, you’re out of luck.

A partial list of companies who might offer some of the above discounts may include but are not limited to:

Check with each company what discounts are available to you. Some discounts may not be available in every state.

The best way we recommend to compare car insurance company rates is to know the trick almost all companies allow for online access to provide you with a free rate quote. To begin a comparison, all you need to do is take a few minutes to give details such as whether or not you need a SR-22, the type of vehicles you drive, distance driven, and if you lease or own. The rating information is submitted instantly to multiple companies and you get price estimates almost instantly.

To compare rates for a Jeep Cherokee now, click here and find out if lower rates are available.

Jeep Cherokee rate determination is complex

An important part of buying insurance is that you know the factors that help determine the price you pay for insurance coverage. Understanding what determines base rates allows you to make educated decisions that could result in big savings.

The following are a partial list of the pieces companies use to determine premiums.

  • Bump up deductibles to save – Your deductibles represent how much money you are required to spend out-of-pocket before your insurance coverage pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. A few examples of covered claims are colliding with a building, vandalism, and windstorm damage. The higher the amount you have to pay, the less your company will charge you for insurance on Cherokee insurance.
  • Choose a safe vehicle and save – Cars with high safety ratings can get you lower premiums. The safest vehicles have better occupant injury protection and better occupant protection means lower claim amounts and thus lower rates. If your Jeep Cherokee 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 are probably receiving a discount.
  • Men fork out a little more – Statistics show women tend to be less risk to insure than men. However, this does not mean women are better drivers. Men and women are in accidents at a similar rate, but men have costlier accidents. Men also have more aggressive citations such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • A clean driving record saves money – Your driving record has a lot to do with how much you pay for insurance. Even a single moving violation can increase rates by twenty percent. Good drivers get better rates than people who have multiple driving citations. Drivers who get severe violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • One company can mean more discounts – The majority of companies provide better rates to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, you may still want to compare rates to ensure the best deal.
  • Proper usage rating affects rates – The more you drive in a year the more you’ll pay to insure your vehicle. Almost all companies rate vehicles determined by how the vehicle is used. Cars that are left in the garage get more affordable rates compared to those used for work or business. Verify your insurance coverage policy shows the correct driver usage. Incorrect usage on your Cherokee can cost quite a bit.
  • Lower rates with optional equipment – Driving a car with an alarm system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.

Which insurance is the “right” coverage?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my ex-spouse still covered by my policy?
  • How much liability do I need to cover my assets?
  • Is other people’s property covered if stolen from my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is extra glass coverage worth it?
  • Do I need higher collision deductibles?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverage considerations

Having a good grasp of car insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive auto coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, damage from getting keyed, rock chips in glass and hitting a bird. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage – This coverage will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like emergency aid, medical services, court costs and medical expenses. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Collision coverage – Collision insurance pays for damage to your Cherokee resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sustaining damage from a pot hole, backing into a parked car, sideswiping another vehicle, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Jeep Cherokee.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for immediate expenses such as nursing services, ambulance fees, EMT expenses and X-ray expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Buy online or local, you save

We just showed you a lot of tips how to reduce 1990 Jeep Cherokee insurance prices online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced car insurance comes from the least-expected company.

When buying insurance coverage, you should never buy poor coverage just to save money. In too many instances, drivers have reduced full coverage to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at an affordable rate while still protecting your assets.

Drivers switch companies for many reasons like high rates after DUI convictions, poor customer service, questionable increases in premium or even lack of trust in their agent. Whatever your reason, switching companies is not as hard as you think.

To learn more, take a look at the resources below: