Lower Your 1995 Jeep Cherokee Insurance Quotes

Want the cheapest insurance rates for your Jeep Cherokee? Do you get exhausted from wondering where the money will come from to pay high insurance rates every month? You’re in the same situation as many other consumers. Companies like State Farm, Progressive and Geico promote their brand names with advertising and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It’s important to compare premium rates yearly because insurance rates go up and down regularly. Despite the fact that you may have had the best rate for Cherokee coverage a couple years back you can probably find a lower rate today. You can search a lot of insurance out there, but by reading this article, you’re going to learn some excellent ideas to lower your insurance bill.

If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to cut your premiums while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to know the best way to compare rates over the internet.

Pay discount rates these discounts

Auto insurance companies don’t always publicize every disount available in an easy-to-find place, so the list below details some of the best known as well as some of the hidden discounts that you can inquire about if you buy auto insurance online. If you’re not getting every credit possible, you’re just leaving money on the table.

• Drivers Education – Require your teen driver to take driver’s ed class in high school.
• Senior Citizen Discount – Older drivers can possibly qualify for better auto insurance rates for Cherokee coverage.
• Online Discount – Some auto insurance companies may give you up to $50 simply for signing on the web.
• Theft Deterent Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
• Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of 25 to 30%.

You should keep in mind that most discounts do not apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, you aren’t that lucky.

Insurance companies that may include these money-saving discounts include:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

When getting free auto insurance quotes, it’s a good idea to all the companies to apply every possible discount. Some of the earlier mentioned discounts might not be offered in your area. To see insurers who offer discounts, click here to view.

Special considerations

When it comes to choosing coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out whether your personal situation could use an agent’s help.

• Do I have coverage for damage caused while driving under the influence?
• Can I get a multi-policy discount?
• Am I covered if I hit a deer?
• Can my babysitter drive my car?
• Should I buy only the required minimum liability coverage?
• Am I covered if I drive in a foreign country?
• What companies insure drivers after a DUI or DWI?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Insurance coverages and their meanings

Understanding the coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring. These are typical coverages found on most insurance policies.

Comprehensive auto coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, theft, hitting a bird, fire damage and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverages – This pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, sustaining damage from a pot hole, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for bills for things like pain medications, funeral costs, X-ray expenses and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Auto liability insurance – This coverage protects you from damage that occurs to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like structural damage, court costs, medical services and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Best coverage at the best price

You just learned a lot of techniques to compare 1995 Jeep Cherokee insurance prices online. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may even discover the best prices are with a small local company. Some small companies may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.

As you quote auto insurance, make sure you don’t reduce coverage to reduce premium. Too many times, an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. The goal is to purchase plenty of coverage for the lowest price, but do not skimp to save money.

Cheaper car insurance can be purchased online as well as from insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who don’t offer the ability to get quotes online and most of the time these smaller companies work with independent agents.

Additional learning opportunities

• Determing Auto Insurance Rates (Geico)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)
• Tread Depth and Tire Safety (State Farm)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)