Cheap 1991 Jeep Cherokee Insurance Quotes

Price shopping your insurance is nearly impossible for consumers new to buying insurance online. People have so many companies to choose from that it can turn into a ton of work to compare prices.

Fast and Easy Insurance Coverage Quotes

There are several ways to shop for Jeep Cherokee insurance coverage, but there is one way that is less time-consuming than others. You can waste a few hours (or days) talking to insurance companies in your area, or you could save time and use online quotes to quickly compare rates.

Most car insurance companies belong to a marketplace that enables customers to enter their policy data once, and at least one company returns a rated price based on the submitted data. This eliminates the need for quotation requests for each company you want a rate for.

To fill out one form to compare multiple rates now click here to open in new window.

The one downside to using this type of form is you can’t choose which insurance companies to get quotes from. So if you prefer to choose specific providers for rate comparison, we have a listing of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but compare apples-to-apples coverage limits and deductibles for every quote you compare. If the quotes have unequal deductibles or liability limits it will be next to impossible to find the best deal for your Jeep Cherokee. Having just a slight variation in coverages can make a big difference in price. And when price shopping your coverage, comparing a large number of companies will increase your chances of finding better pricing.

Discounts are great for lower rates

Auto insurance companies don’t list every discount in a way that’s easy to find, so we break down some of the best known as well as the least known ways to save on insurance coverage.

Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less for Cherokee coverage than drivers with accident claims.
Student in College – Any of your kids who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiring. The savings is around 10%.
Pay Upfront and Save – By paying your policy upfront instead of paying each month you can actually save on your bill.
Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of more than 20%.
Claim Free – Drivers who don’t have accidents can save substantially as compared to drivers who are more careless.
Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up to age 25.
Paperless Signup – Some insurance companies will discount your bill up to fifty bucks simply for signing on their website.
Homeowners Savings – Simply owning a home may earn you a small savings because owning a home demonstrates responsibility.

It’s important to understand that most credits do not apply the the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, you’re out of luck.

For a list of insurers with the best insurance coverage discounts, follow this link.

You may need specialized coverage

When buying coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For example, these questions might help in determining whether you may require specific advice.

Am I covered if I break a side mirror?
Are all vehicle passengers covered by medical payments coverage?
Do I have coverage when making deliveries for my home business?
Is my cargo covered for damage or theft?
Does my policy cover me when driving someone else’s vehicle?
Which companies will insure high-risk drivers?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Learn about insurance coverages for a Jeep Cherokee

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Auto liability

This can cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like funeral expenses, emergency aid, repair bills for other people’s vehicles, attorney fees and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as 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. So UM/UIM coverage is very important.

Collision coverage

This coverage pays for damage to your Cherokee caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a parking meter, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills like X-ray expenses, pain medications, surgery and nursing services. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a broken windshield, damage from flooding and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.