How Much Does 1996 Jeep Cherokee Car Insurance Cost?

Trying to find the cheapest car insurance rates for your Jeep Cherokee? Finding better rates for car insurance can be challenging for consumers new to comparison shopping online. Drivers have so many companies to choose from that it can turn into more work than you anticipated to locate the lowest price.

It’s a great practice to do rate comparisons on a regular basis because rates trend upward over time. Despite the fact that you may have had the best deal on Cherokee insurance two years ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because you’re about to find out the things you must know in order to buy cheaper car insurance.

This article will familiarize you with how car insurance quotes work. If you are paying for car insurance now, you should be able to lower your premiums substantially using these techniques. But car owners need to have an understanding of how big insurance companies compete online and use this information to your advantage.

Auto Insurance Prices Online

Most companies give insurance quotes on their websites. The process is pretty easy as you simply enter the coverages you want as requested by the quote form. After you submit the form their rating system orders information on your driving record and credit history and generates pricing information based on these factors.

This helps simplify price comparisons, but having to visit each company’s website and repetitively type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to compare as many rates as possible in order to find lower prices.

A more efficient way to compare auto insurance pricing requires only one form to get prices from multiple companies. The form is fast, requires much less work on your part, and makes online shopping a little more enjoyable. After sending your information, it gets priced with multiple companies and you can pick any one of the quote results.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

In order to compare rates using this form now, click here to open in a new tab and enter your vehicle and coverage information. If you currently have coverage, we recommend you input the limits and deductibles just like they are on your policy. This ensures you’re receiving a price comparison based on the exact same insurance coverage.

Are you falling for claims of savings?

Companies like State Farm and Allstate consistently run ads in print and on television. All the ads make the same claim that you’ll save big if you change your coverage to them. How can each company make almost identical claims? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of customer that makes them money. For example, a profitable customer might be profiled as between 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A customer that hits that “sweet spot” receives the best rates and is almost guaranteed to cut their rates substantially.

Drivers who don’t meet this ideal profile will be quoted more money which usually ends up with the customer not buying. Company advertisements say “customers that switch” not “everyone that quotes” save that much money. That’s the way insurance companies can confidently advertise the way they do.

This emphasizes why you need to get a wide range of price quotes. Because you never know which insurance company will give you the biggest savings on Jeep Cherokee insurance.

Discounts on Jeep Cherokee insurance

Car insurance can cost a lot, but there could be available discounts that can drop the cost substantially. Some discounts apply automatically when you get a quote, but some must be asked for prior to getting the savings.

  • Multi-policy Discount – When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Accident Forgiveness – Certain companies allow you one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Government Employees – Active or retired federal employment can save as much as 8% on Cherokee insurance depending on your company.
  • No Accidents – Drivers who don’t have accidents can earn big discounts compared to drivers who are more careless.
  • Auto/Life Discount – Larger companies have a break if you buy life insurance.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most only reduce individual premiums such as liability and collision coverage. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will bring down your premiums.

To see a list of providers with the best car insurance discounts, click here to view.

Tailor your coverage to you

When choosing coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

  • Why do I only qualify for high-risk insurance?
  • Is my Jeep Cherokee covered if I use it for business?
  • Can I afford to buy a different vehicle if my 1996 Jeep Cherokee is totaled?
  • Do I have newly-aquired coverage?
  • Am I insured when driving a different vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How do I buy GAP insurance?
  • Do all my vehicles need collision coverage?
  • How much liability insurance is required?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverages

Having a good grasp of your policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses like ambulance fees, surgery, rehabilitation expenses and pain medications. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage

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

Collision can pay for things like driving through your garage door, crashing into a ditch, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Jeep Cherokee.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, rock chips in glass, hitting a deer, hitting a bird and theft. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

Liability coverage will cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as repair costs for stationary objects, bail bonds and loss of income. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Have the Midas touch

When you buy insurance online, don’t be tempted to buy poor coverage just to save money. Too many times, drivers have reduced full coverage only to find out that it was a big mistake. Your focus should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

We just showed you some good ideas how you can compare 1996 Jeep Cherokee insurance prices online. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. Consumers may even find the most savings is with the least-expected company.

Cheap insurance can be found both online as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

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