Cheap 1996 Jeep Cherokee Insurance Cost

Searching for the cheapest insurance for a Jeep Cherokee can be a painful process, but you can follow a few tricks to find lower rates.

There is a right way and a wrong way to buy auto insurance so we’re going to tell you the absolute fastest way to price shop coverage for a new or used Jeep and get the lowest price.

Smart consumers take time to compare prices on a regular basis because insurance rates tend to go up over time. Just because you had the best rates for Cherokee coverage a couple years back the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the fastest and easiest way to find the best coverage while lowering your premiums.

If you have insurance now or need a new policy, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Buying cheaper protection can be fairly easy. Consumers just need to learn the best way to compare rates over the internet.

Jeep Cherokee insurance rates can be determined by these details

It’s important that you understand the rating factors that go into determining the price you pay for auto insurance. Understanding what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

  • Poor driving leads to higher costs – Your driving record has a big impact on rates. Even a single ticket can increase rates twenty percent or more. Good drivers get better rates compared to drivers with tickets. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
  • Too many auto insurance claims drive up costs – Car insurance companies award discounts to insureds who do not file claims often. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Insurance coverage is designed for the large, substantial claims.
  • Your occupation can affect rates – Did you know your occupation can influence how much you pay for auto insurance? Occupations like judges, social workers and financial analysts tend to pay higher average rates due to high stress levels and long work hours. Conversely, occupations such as scientists, engineers and homemakers have the lowest average rates for Cherokee coverage.
  • Never allow your policy to lapse – Having an insurance coverage lapse will be a fast way to bump up your auto insurance costs. And not only will your rates increase, getting caught without coverage can result in a steep fine or even jail time.
  • Where do you drive? – The more you drive in a year the more you will pay for auto insurance. Most companies charge to insure your cars based upon how you use the vehicle. Vehicles not used for work or commuting qualify for better rates compared to those used for work or business. Having the wrong rating on your Cherokee can cost quite a bit. Ask your agent if your auto insurance policy shows the correct driver usage.
  • Your location is important – Choosing to live in a small town can be a good thing when it comes to auto insurance. City drivers have to deal with much more traffic and longer commute times. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.

Fast and Easy Insurance Coverage Quotes

All major insurance coverage companies provide prices for coverage online. Getting quotes is fairly straightforward as you just type in your coverage information as requested by the quote form. Once entered, the system automatically orders credit information and your driving record and returns a price quote based on many factors.

Quoting online makes it a lot easier to compare rates but having to visit multiple sites and complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to have as many quotes as possible if you are searching for the best price possible.

There is a better way to compare rates

The easiest way to lower your insurance coverage bill is to use a quote form that gets price quotes from a bunch of companies at once. This type of form saves time, requires much less work on your part, and makes price shopping online much more enjoyable and efficient. Once the form is submitted, it is quoted with multiple companies and you can pick any of the returned quotes.

If you find a better price you can simply submit the application and purchase the new policy. The entire process takes 15 minutes at the most and could lower your rates considerably.

If you want to find out what other companies charge, click here and complete the simple form. If you have coverage now, it’s recommended you input your coverages just like they are on your policy. This helps ensure you will get rate quotes for the exact same coverage.

Lots of discounts mean lots of savings

Insuring your fleet can be pricey, but companies offer discounts to help offset the cost. Some trigger automatically at quote time, but some must be inquired about prior to getting the savings. If you’re not getting every credit you qualify for, you are throwing money away.

  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out life insurance from them.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for Cherokee coverage with select insurance companies.
  • Accident Waiver – Some insurance companies allow you one accident without raising rates if you are claim-free for a certain period of time.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts until age 25.

It’s important to note that most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky. Any amount of discount will reduce the cost of coverage.

Companies that may have these benefits include:

It’s a good idea to ask every prospective company what discounts are available to you. All car insurance discounts may not be available in your area.

Situations that might require an agent

When it comes to choosing proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different.

For example, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my 1996 Jeep Cherokee covered for smoke damage?
  • Should I get collision insurance on every vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered if my car is in a flood?
  • Are my friends covered when driving my 1996 Jeep Cherokee?
  • What if I owe more than I can insure my car for?
  • Am I covered when driving a rental car?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Auto insurance coverages 101

Understanding the coverages of a auto insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Jeep Cherokee.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Auto liability insurance

Liability insurance provides protection from damage or injury you incur to a person or their property. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like pain and suffering, bail bonds, attorney fees, loss of income and medical services. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses like ambulance fees, hospital visits, prosthetic devices, nursing services and chiropractic care. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sustaining damage from a pot hole, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, hitting a bird, theft, rock chips in glass and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Quote more. Save more.

We covered a lot of ways to lower your 1996 Jeep Cherokee insurance rates. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even find the lowest priced car insurance comes from some of the smallest insurance companies.

As you restructure your insurance plan, it’s a bad idea to skimp on coverage in order to save money. In many cases, an insured dropped full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at an affordable rate while still protecting your assets.

Cheaper insurance is attainable both online and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. Some companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Additional detailed information can be found by following these links: