1995 Jeep Cherokee Car Insurance Cost – 6 Tips for Cheaper Prices

Looking for the cheapest car insurance rates for your Jeep Cherokee? Finding affordable car insurance is always hard for consumers not familiar with comparing rates online. There are so many options that it can turn into a ton of work to find the best price.

You probably qualify for some discounts

The price of auto insurance can be rather high, but you can get discounts that you may not know about. A few discounts will automatically apply when you get a quote, but a few must be manually applied before you get the savings.

  • Homeowners Discount – Being a homeowner may trigger a insurance policy discount because maintaining a house requires personal responsibility.
  • Paperless Signup – A handful of insurance companies will give a small break for buying a policy and signing up on their website.
  • Clubs and Organizations – Being a member of certain professional organizations could qualify you for a break on your policy for Cherokee insurance.
  • Use Seat Belts – Requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with a substantially lower rate.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will bring down the amount you have to pay.

Insurance companies that possibly offer these benefits are:

It’s a good idea to ask each company which discounts you may be entitled to. Savings may not apply in every state.

Comprehensive Car Insurance Comparison Quotes

There are several ways to compare quotes from car insurance companies in your area. The simplest method to find competitive 1995 Jeep Cherokee insurance rates consists of obtaining rate quotes online. This is very easy and can be done in a couple of different ways.

The single most time-saving way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This easy form saves time by eliminating separate forms for every car insurance company. One form submission gets rate comparisons from multiple low-cost companies. Recommended for those who want to invest the least amount of time.

A harder way to get comparison quotes requires you to visit the website of each company to complete their respective quote request forms. For sake of this example, we’ll assume you want to compare rates from Nationwide, Liberty Mutual and Farmers. To get each rate you have to take the time to go to each site and enter your information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

The least recommended way to compare rates is to drive around to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the trained guidance only provided by licensed agents. Drivers can comparison shop online but still have the advice of a local agent and we’ll talk about that later.

Whichever way you use, make absolute certain that you use identical deductibles and coverage limits for each comparison quote. If each company quotes different liability limits then you won’t be able to determine the lowest rate for your Jeep Cherokee. Slightly different coverages can mean a large discrepancy in price. And when comparison shopping, having more price comparisons provides better odds of finding better pricing.

There’s no such thing as the perfect policy

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions might point out whether you would benefit from professional advice.

  • Can my teen drive my company car?
  • What is the rate difference between pleasure use and commuting?
  • Is motorclub coverage worth it?
  • Should I buy only the required minimum liability coverage?
  • What is UM/UIM insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is rental equipment covered for theft or damage?
  • Do I have any recourse if my insurance company denies a claim?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Save $424 a year? Really?

Insurance companies such as Allstate, GEICO and Progressive regularly use ads in print and on television. They all seem to say the same thing that you’ll save big if you move your policy. How do they all say the same thing? This is how they do it.

All the different companies have a certain “appetite” for the type of driver they prefer to insure. A good example of a preferred risk might be profiled as over the age of 50, is a homeowner, and drives newer vehicles. A customer who fits that profile receives the best rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who don’t measure up to the “perfect” profile will be quoted higher premiums which leads to the customer not buying. The ads state “customers who switch” not “people who quote” save that much money. That is how companies can truthfully state the savings.

This emphasizes why it is so important to get as many quotes as possible. It’s not possible to predict which insurance company will have the lowest Jeep Cherokee insurance rates.

Insurance coverage specifics

Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills like chiropractic care, surgery and hospital visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

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

Comprehensive coverage pays for things such as a broken windshield, damage from flooding, hitting a bird and hitting a deer. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

This coverage pays for damage to your Cherokee from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability coverages

Liability insurance protects you from injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair costs for stationary objects, funeral expenses, loss of income and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Power to the consumer

Drivers switch companies for any number of reasons including being labeled a high risk driver, lack of trust in their agent, policy cancellation and denial of a claim. It doesn’t matter why you want to switch switching companies can be easier than you think.

Affordable 1995 Jeep Cherokee insurance can be sourced on the web and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

As you restructure your insurance plan, you should never reduce needed coverages to save money. Too many times, an accident victim reduced collision coverage and learned later that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Additional information can be read below: