View 1997 Jeep Cherokee Insurance Rates

Looking for the cheapest insurance coverage rates for your Jeep Cherokee? Paying low cost rates for Driversinsurance coverage can be quite difficult for beginners to comparing prices online. Because there are so many insurers available, it can be a real difficult job to locate the lowest rates.

Smart consumers take time to get comparison quotes once or twice a year due to the fact that insurance prices change frequently. Just because you had the best deal on Cherokee insurance on your last policy there may be better deals available now. Forget all the misinformation about insurance coverage because you’re about to find out how to quote online to save money, get proper deductibles and limits, all at the lowest rate.

Finding the best rates is quite easy. Essentially every driver who has to buy car insurance most likely will be able to save money. But consumers need to learn how the larger insurance companies sell insurance online because it can help you find the best coverage.

Take advantage of every auto insurance discount

Some insurance providers don’t always list the complete list of policy discounts very clearly, so the following list contains a few of the more well known and the more hidden ways to save on auto insurance. If you do not double check each discount you deserve, you could be paying more than you need to.

• Defensive Driving Course – Passing a driver safety course could save 5% or more and easily recoup the cost of the course.
• Multiple Vehicles – Drivers who insure multiple cars or trucks on one policy can reduce rates for all insured vehicles.
• Telematics Data – Drivers who elect to allow their auto insurance company to scrutinize driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they exhibit good driving behavior.
• Discounts for Good Drivers – Insureds without accidents can pay as much as 50% less on Cherokee insurance than drivers with accidents.
• Low Mileage Discounts – Low mileage vehicles could be rewarded with lower rates due to less chance of an accident.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Homeowners Pay Less – Being a homeowner can get you a discount since owning and maintaining a home requires a higher level of personal finance.
• Passive Restraint Discount – Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.

Please keep in mind that most credits do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, it’s just not the way it works.

Car insurance companies that may have some of the above discounts are:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

When getting a coverage quote, ask every company which discounts can lower your rates. All car insurance discounts might not be offered on policies in every state. If you would like to choose from a list of insurance companies that have a full spectrum of discounts, click here to view.

How to know if you need help

When buying proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions could help you determine if your situation could use an agent’s help.

• Where can I find high-risk insurance?
• What should my uninsured motorist coverage limits be in my state?
• When can my company non-renew my policy?
• Is my ex-spouse still covered by my policy?
• Does coverage extend to a rental car in a foreign country?
• What discounts do I qualify for?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

What insurance coverages do you need?

Having a good grasp of insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Auto liability

This protects you from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like medical expenses, bail bonds, attorney fees, loss of income and medical services. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as dental work, chiropractic care, surgery, ambulance fees and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, hitting a deer and damage from flooding. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

This coverage will pay to fix damage to your Cherokee caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with another moving vehicle, driving through your garage door, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Jeep Cherokee.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

What is YOUR best insurance company?

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. In too many instances, drivers have reduced comprehensive coverage or liability limits only to discover later that it was a big mistake. Your objective should be to get the best coverage possible at an affordable rate, but do not skimp to save money.

We covered many ideas to get a better price on 1997 Jeep Cherokee insurance. The most important thing to understand is the more you quote car insurance, the better likelihood of getting inexpensive car insurance. Consumers may even find the best price on auto insurance is with some of the lesser-known companies.

People change insurance companies for a number of reasons such as delays in responding to claim requests, policy non-renewal, an unsatisfactory settlement offer or even not issuing a premium refund. No matter why you want to switch, choosing a new company is pretty simple and you could end up saving a buck or two.

Other resources

• Comprehensive Coverage (Liberty Mutual)
• Older Driver Statistics (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• Choosing an Insurance Company (Insurance Information Insitute)