Cheap 1991 Jeep Cherokee Car Insurance Cost

No normal person enjoys paying for insurance, especially when their premiums are too high. Multiple insurers compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to find the absolute best price available.

It’s a good habit to price shop coverage quite often because insurance prices are variable and change quite frequently. Even if you got the best deal on Cherokee coverage at your last renewal you will most likely find a better rate quote today. Ignore everything you know about insurance because I’m going to teach you the things you must know in order to find lower rates on insurance.

If you have insurance now or need new coverage, you can use this information to reduce the price you pay and possibly find even better coverage. Finding affordable coverage is not that difficult. Vehicle owners only need an understanding of the tricks to shop over the internet.

Smart consumers can slash their insurance prices

Multiple criteria are considered when premium rates are determined. Some factors are common sense such as your driving history, although others are not as apparent like your vehicle usage and annual miles driven.

• Marriage reduces risk – Having a significant other helps lower the price on your auto insurance bill. Having a significant other may mean you are less irresponsible and it’s proven that drivers who are married are more cautious.
• Do you need those extra coverages? – There are quite a few extra add-on coverages that you can buy if you aren’t careful. Coverages like vanishing deductibles, accidental death, and additional equipment coverage are probably not needed. They may seem like a good idea at first, but if you’ve never needed them in the past eliminate them to save money.
• Prevent theft and save money – Choosing to buy a car that has an advanced theft prevention system can get you a discount on your auto insurance. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
• Drivers with good credit save – Having a good credit rating factor in determining what you pay for auto insurance. People with very good credit scores tend to be less risk to insure than drivers with lower credit scores. So if your credit is lower than you’d like, you may save money insuring your 1991 Jeep Cherokee by taking the time to improve your credit score.
• Discounts for multiple policies – Most insurance companies provide better rates to insureds who carry more than one policy. It’s known as a multi-policy discount. The discount can add up to as much as ten percent or more Even with this discount applied, it’s still a good idea to get quotes from other companies to confirm you are receiving the best rates possible.
• Teenage drivers cost more – Drivers with little experience are statistically shown to be less responsible in a vehicle so they pay higher auto insurance rates. Older, more experienced drivers are more responsible, cause fewer claims and accidents , and are generally more financially stable.
• Do you save by driving less? – Driving more miles every year the more you will pay for auto insurance. Many insurance companies rate vehicles determined by how the vehicle is used. Vehicles that are left in the garage receive better premium rates than those used for commuting. Having the wrong rating on your Cherokee can result in significantly higher rates. It’s a good idea to make sure your auto insurance policy reflects the right rating data.

How to shop car insurance online

Reducing your 1991 Jeep Cherokee insurance rates is not rocket science. The only thing you need to do is take time to get quotes online with multiple companies. This can be done by following the guidelines below.

The most recommended method to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This style of form saves time by eliminating separate quotes for each price estimate. Taking the time to complete one form will get you rate comparisons from car insurance companies with the best prices.

A more time consuming way to find lower rates requires you to visit each company’s website and get a separate price quote. For examples sake, we’ll assume you want to compare rates from Auto-Owners, State Farm and Progressive. In order to get each rate, you would have to spend time going to each site individually and punch in your information repeatedly, which explains why we recommend starting with the first method. For a list of links to companies insuring cars in your area, click here.

The approach you take is up to you, just make sure you use the same coverage data on every quote. If the quotes have different coverage information then you won’t be able to truly determine the lowest rate.

Lower rates by qualifying for discounts

Car insurance can cost a lot, but there may be some discounts that can drop the cost substantially. Some of these disounts will be visible at quote time, but some may not be applied and must be inquired about before you will receive the discount.

• Discount for Life Insurance – Companies who offer life insurance give better prices if you take out a life policy as well.
• Good Student Discount – Excelling in school may save you up to 25%. You can use this discount normally well after school through age 25.
• Onboard Data Collection – Drivers that enable their insurance company to scrutinize their driving habits by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as the data is positive.
• Low Miles Discount – Low mileage vehicles could be rewarded with substantially lower auto insurancerates.
• Own a Home and Save – Being a homeowner can get you a discount because of the fact that having a home shows financial diligence.
• Active Service Discounts – Being deployed in the military could mean lower premium rates.
• Defensive Driving Course – Successfully completing a safe driver class could save 5% or more and easily recoup the cost of the course.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, auto insurance companies aren’t that generous.

Car insurance companies that may include many of the previously listed discounts include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

Check with every prospective company to give you their best rates. Depending on the company, some discounts may not be offered in your area. If you would like to view companies with the best discounts, follow this link.

Insurance coverage is unique, just like you

When choosing adequate coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your situation may require specific advice.

• Am I covered when driving someone else’s vehicle?
• Do I need PIP (personal injury protection) coverage in my state?
• Am I covered if I hit a deer?
• Does my insurance cover my expensive audio equipment?
• Where can I find high-risk insurance?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered if I crash into my own garage door?
• Can I afford low physical damage deductibles?
• Should I put collision coverage on all my vehicles?
• Should I buy more coverage than the required minimum liability coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Specific coverages for a 1991 Jeep Cherokee

Understanding the coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average insurance policy.

Coverage for collisions

Collision coverage will pay to fix damage to your Cherokee caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, backing into a parked car, scraping a guard rail, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like theft, falling objects, fire damage and damage from getting keyed. 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.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Jeep Cherokee.

Because many people only purchase the least amount of liability that is required, 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.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for nursing services, rehabilitation expenses and chiropractic care. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like structural damage, legal defense fees and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

More quotes. Lower rates.

As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where someone dropped liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

We just covered a lot of tips how to save on 1991 Jeep Cherokee insurance. The key concept to understand is the more you quote insurance, the better chance you’ll have of finding inexpensive insurance. Consumers may even find the best price on auto insurance is with a small local company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

For more information, feel free to visit the following helpful articles:

• Event Data Recorders FAQ (iihs.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)