1999 Jeep Cherokee Insurance Cost

Shoppers have a choice when shopping for affordable Jeep Cherokee insurance. They can either spend hours driving around getting price quotes or use the internet to make rate comparisons. There is a right way and a wrong way to find auto insurance online and we’ll show you the absolute fastest way to get price quotes for a new or used Jeep and find the lowest price.

It’s a great practice to get comparison quotes occasionally since insurance prices are constantly changing. Just because you had the best rates for Cherokee coverage two years ago you will most likely find a better rate quote today. Don’t believe everything you read about auto insurance online but in a few minutes you can learn some solid techniques on how to quit paying high auto insurance rates.

Learn how to find insurance coverage at a discount

One of the most helpful ways to save on insurance coverage is to to have a grasp of a few of the rating criteria that are used to determine the rates you pay for insurance coverage. When consumers understand what influences your rates, this allows you to make educated decisions that can help you get much lower annual insurance costs.

• Better drivers pay lower costs – Having a single citation can increase the cost of insurance by twenty percent. Attentive drivers have lower premiums compared to drivers with tickets. Drivers with careless violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive a vehicle.
• With age comes responsibility – Inexperience drivers have a tendency to be inattentive and easily distracted with other occupants in the car and because of this, their insurance coverage rates are much higher. Parents adding a teen driver to your policy can cause a big jump in price. Mature drivers are more responsible, tend to file fewer claims , and are generally more financially stable.
• Cut rates and deter theft – Selecting a car model with anti-theft technology or alarm system can help lower your premiums. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your vehicle from being stolen.
• Lower miles equals lower premium – The more miles you rack up on your Jeep each year the more you’ll pay to insure your vehicle. A lot of insurance companies price each vehicle’s coverage based upon how much you drive. Cars that have low annual miles receive better premium rates as compared to vehicles used primarily for driving to work. Double check that your insurance coverage declarations sheet properly reflects the correct usage for each vehicle. Improper usage on your Cherokee is just wasting money.
• Poor credit decisions can cost you – A driver’s credit score is likely to be a major factor in determining what you pay. If your credit history is lower than you’d like, you could pay less to insure your 1999 Jeep Cherokee by improving your credit score. Consumers who have good credit tend to be less risk to insure as compared to drivers with worse credit.
• Gender and insurance coverage – Over the last 30 years, statistics show women are more cautious behind the wheel. However, don’t assume that females are better at driving than males. Females and males are in accidents in similar percentages, but the men tend to have more serious accidents. Not only that, but men also receive more major tickets such as reckless driving. Teenage male drivers are the most expensive to insure and are penalized with high insurance coverage rates.
• Too many policy claims will drive prices up – Car insurance companies award lower rates to drivers who are not frequent claim filers. If you file a lot of claims you can definitely plan on higher rates. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

How to buy car insurance online

Getting low cost 1999 Jeep Cherokee car insurance pricing can be surprisingly simple. You just have to spend a few minutes on the computer comparing free auto insurance quotes to see which company has cheap auto insurance quotes. This can be accomplished by following the guidelines below.

The most efficient way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing separate quotation requests to each individual car insurance company. Just one form compares rates from all major companies. It’s definitely the quickest method.

A different way to find better pricing is going to the website for each individual company and complete a new quote form. For example, let’s say you want comparison quotes from Geico, 21st Century and State Farm. You would have to spend time going to each site individually and enter your policy data, which can get old fast.

For a handy list of car insurance company links in your area, click here.

The last way to get rate quotes is to spend time driving to local insurance agencies. Doing it all online makes this process obsolete unless you want the professional guidance of a licensed agent. It is possible with some companies price shop your coverage online and get advice from an agent in your area.

Take whichever approach you prefer, but make sure you use the same quote data for each quote you get. If the quotes have mixed coverages it will be very difficult to get a fair rate comparison.

Get affordable insurance coverage with discounts

Companies that sell car insurance don’t always list their entire list of discounts in an easy-to-find place, so we break down a few of the more well known as well as the least known credits available to you.

• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up could cut 10% or more on the medical payments or PIP coverage costs.
• Save with More Vehicles Insured – Buying insurance for primary and secondary vehicles with one company could earn a price break for each car.
• Safe Drivers – Drivers who don’t get into accidents can save up to 40% or more on their auto insurance quote for Cherokee coverage compared to rates paid by drivers with frequent claims.
• Passive Restraints – Vehicles with factory air bags or motorized seat belts may qualify for discounts up to 30%.
• Theft Deterent System – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and can earn a small discount on your policy.
• Driver’s Education for Students – Require your teen driver to successfully complete driver’s ed class in school.

Keep in mind that most discount credits are not given to the entire cost. A few only apply to individual premiums such as comp or med pay. So when the math indicates all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

Some companies who may offer some of the above discounts include:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

Check with every insurance company which credits you are entitled to. A few discounts may not apply to policyholders in your area. To choose insurance companies that offer multiple discounts, click this link.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there is no best way to insure your cars. Every situation is different.

Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

• What vehicles should carry emergency assistance coverage?
• Is rental equipment covered for theft or damage?
• What is high-risk coverage and where do I buy it?
• How much liability coverage do I need in my state?
• Why is insurance for a teen driver so high?
• Can I rate high risk drivers on liability-only vehicles?
• Why am I required to buy liability insurance?
• Am I covered by my spouse’s policy after a separation?
• I don’t drive much so do I pay less?
• Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage information

Knowing the specifics of insurance can help you determine the best coverages for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for bills like dental work, prosthetic devices and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – This protects you from damages or injuries you inflict on other’s property or people in an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as loss of income, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Jeep Cherokee.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, damage from getting keyed and rock chips in glass. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This coverage will pay to fix damage to your Cherokee caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Final thoughts

People leave their current company for a number of reasons such as delays in responding to claim requests, high rates after DUI convictions, extreme rates for teen drivers or policy non-renewal. Regardless of your reason, finding a new insurance company is pretty simple and you could end up saving a buck or two.

While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped collision coverage and learned later that the savings was not a smart move. Your objective should be to get the best coverage possible at the best possible price.

Affordable 1999 Jeep Cherokee insurance can be sourced on the web and from local agencies, and you should compare price quotes from both to have the best selection. Some companies do not offer the ability to get quotes online and most of the time these small insurance companies work with independent insurance agents.

To learn more, feel free to visit the following helpful articles:

• Vehicle Insurance in the U.S. (Wikipedia)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)