Cheaper 1993 Jeep Cherokee Insurance Quotes

Trying to find better insurance rates for your Jeep Cherokee? Searching for better insurance prices for a Jeep Cherokee can be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to compare insurance rates so we’re going to tell you the proper way to get price quotes for a Jeep and get the lowest price either online or from local insurance agents.

Ways to get insurance rate quotes

Shopping for lower insurance rates can be exhausting if you aren’t aware of the easiest way. You could waste time talking about coverages with agents in your area, or you could use online quotes to get prices fast.

Most of the larger companies participate in an industry program that allows shoppers to submit their information once, and at least one company can provide price quotes determined by their information. This system prevents you from having to do quote forms to every company.

To submit your quote information now, click to open in new window.

The one downside to getting quotes like this is you can’t choose which insurance companies to receive prices from. If you wish to select specific providers to compare rates, we have a listing of companies who write insurance in your area. View list of insurance companies.

Whichever way you choose to compare rates, ensure you are comparing nearly identical coverage information on every quote. If you enter different limits and deductibles on each one it’s not possible to determine the best price for your Jeep Cherokee.

Discounts to earn lower-cost auto insurance rates

Some companies do not list the entire discount list in an easy-to-find place, so we researched some of the best known and also the lesser-known discounts that may be available.

  • Early Renewal Discounts – A few larger companies give discounts for signing up early. You can save around 10% with this discount.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may get savings as much as 30%.
  • Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control are safer to drive so you can save 10 percent or more.
  • Save over 55 – If you qualify as a senior citizen, you may receive better auto insurance rates on Cherokee coverage.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Discount for Good Grades – Maintaining excellent grades can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
  • Telematics Data Discounts – Policyholders that allow their insurance company to scrutinize vehicle usage by using a telematics device in their vehicle such as Progressive’s Snapshot might see lower rates if they show good driving skills.
  • Discount for New Cars – Buying a new car instead of a used car can save you some money since newer models are generally safer.

Keep in mind that most credits do not apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies don’t profit that way.

Companies that have most of these discounts include:

If you are trying to find low cost insurance coverage quotes, ask all the companies which discounts they offer. Some discounts listed above may not apply to policyholders in your area. To locate insurance companies that offer many of these discounts, follow this link.

How car insurance companies determine Jeep Cherokee insurance rates

Many different elements are taken into consideration when you get your auto insurance bill. Some factors are common sense such as traffic violations, but others are not quite as obvious like your vehicle usage and annual miles driven.It’s important that you understand the rating factors that are used to determine your premiums. If you have some idea of what influences your rates, this empowers consumers to make smart changes that can earn you cheaper rates.

  • Bundle home and auto and save – Some car insurance companies give lower prices to buyers who buy several policies from them. It’s known as a multi-policy discount. Even with this discount, it’s in your best interest to compare rates to guarantee you are still saving the most.There is a chance you can save money by buying car insurance from a different company.
  • Marriage is a factor – Being married actually saves money on your car insurance policy. Having a spouse usually means you are less irresponsible and statistics prove drivers who are married are more cautious.
  • Only buy extra policy coverages you need – There are a ton of extra add-on coverages you can purchase if you don’t pay attention. Coverages for coverage for rental cars, high-cost glass coverage, and extra equipment coverage may be costing you every month. These coverages may sound good when buying your policy, but if you’ve never needed them in the past get rid of them and save.
  • Claim-free discounts can add up – Car insurance companies award cheaper rates to policyholders who file claims infrequently. If you’re an insured who likes to file claims you can expect higher rates. Your car insurance is designed for the large, substantial claims.
  • Low comp and collision deductibles can be expensive – The deductibles you choose represent how much money you are willing to pay before your car insurance pays a claim. Insurance for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims could be colliding with a stationary object, collision with a deer, or theft of your vehicle. The larger the amount you have to pay, the less your car insurance will be on Cherokee coverage.
  • Vehicle features impact car insurance rates – Buying a car with an alarm system can help lower your rates. Systems that thwart theives such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.

Tailor your car insurance coverage to you

When choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that may help you determine if your situation may require specific advice.

  • How much underlying liability do I need for an umbrella policy?
  • Should I rate my 1993 Jeep Cherokee as pleasure use or commute?
  • Does insurance cover damages from a DUI accident?
  • Is a new car covered when I drive it off the dealer lot?
  • Is a blown tire covered by insurance?
  • Am I missing any policy discounts?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage specifics

Having a good grasp of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive auto coverage – This coverage 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 like a broken windshield, hitting a deer, damage from getting keyed, vandalism and hail damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance will pay to fix damage to your Cherokee caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, scraping a guard rail, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Auto liability – This can cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like structural damage, emergency aid, attorney fees and medical expenses. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills for ambulance fees, X-ray expenses, surgery and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

One last thing

You just read many tips how you can compare 1993 Jeep Cherokee insurance premium rates online. It’s most important to understand that the more quotes you get, the better likelihood of getting inexpensive insurance coverage. You may be surprised to find that the most savings is with some of the lesser-known companies.

A few companies do not provide rate quotes online and many times these smaller providers only sell coverage through local independent agents. Budget-friendly insurance can be sourced on the web in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.

When trying to cut insurance costs, make sure you don’t skimp on coverage in order to save money. There have been many situations where an accident victim reduced physical damage coverage only to regret at claim time that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

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Comments About 1993 Jeep Cherokee Insurance

  1. Minda Potter

    Well-written and thought out article. Checking in from Nashville, TN. Quoted with GEICO, The General, and Esurance for my 1993 Jeep Cherokee and I think I saved about $10 each month. Was with Progressive.

  2. Octavia David

    In Lexington, KY try Allstate or GEICO. Both had decent prices.

  3. Kathie Roach

    I live just to the north of Sioux Falls, South Dakota. I got free quotes from AAA, Erie, and Sentry for my Cherokee and I think I cut my rates about $20 each month. God forbid I actually have a claim.

  4. Romana Cochran

    Here’s what I found out. From northwest of Mobile, AL. Compared rates from a lot of places. Saved about $10 a month. 21st Century was the cheapest option for me. I even had a DUI years ago. I dropped full coverage awhile back.

  5. Lula Joyner

    What is UM/UIM coverage?

  6. Kimbra King

    From north side of South Burlington, VT, and 21st Century rates were best. I’m a pretty good driver though. It’s too old for full coverage.

  7. Dot Oneill

    What are minimum liability limits required in Alaska?

  8. Marylin Cleveland

    Here’s my info. I’m in Lincoln, Nebraska. I quoted with GEICO, Erie, and Hanover for my 1993 Jeep Cherokee and saved just over $100 a year. My new agent seems to be really good. Wish I didn’t have to insure at all.

  9. Golda Galloway

    Lots of good stuff here. I’m from Tucson, AZ. Got quotes from Travelers, Auto-Owners, Hartford, and MetLife for my Jeep and I think I cut my rates about $30 each month.

  10. Shanita Jackson

    I compared a lot of rate quotes for a 1993 Jeep Cherokee in Columbus, GA. Ended up at darn near $80 every six months with Auto-Owners. :) When should I drop full coverage?

  11. Adah Solis

    I’ve insured with State Farm for a long time. Pretty cheap in Green Bay, Wisconsin.

  12. Mel Mcgowan

    From north side of Pittsburgh, PA. Can’t remember who all I quoted but I ended up saving about $30 each month. Full coverage costs too much.

  13. Yesenia Lee

    If you have a good history and live in the vicinity of Augusta, Georgia, check out Allstate. You might get cheaper rates. Hopefully won’t need it. They offer free online rate quotes.