Lower Your 1997 Jeep Cherokee Car Insurance Rates

Looking for lower insurance rates for your Jeep Cherokee? Feel like you’re a prisoner to overpriced insurance? Trust us when we tell you you’re not the only one.

Insurance companies such as State Farm, Allstate, GEICO and Progressive continually bombard you with fancy advertisements and consumers find it hard to ignore the promise of big savings and find the best price available.

It is always a good idea to price shop coverage occasionally since rates go up and down regularly. If you had the lowest price for Cherokee coverage a few years ago a different company probably has better rates today. Starting right now, ignore everything you know about insurance because you’re going to learn how to use online quotes to save money, get proper coverage and the best rates.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. Finding affordable coverage is not rocket science. But car owners must know the way insurance companies market on the web and apply this information to your search.

Quick Car Insurance Quotes

Effectively comparing car insurance prices can be a daunting task if you aren’t aware of the most efficient way. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could use the internet for quick rates.

Many of the larger companies belong to a marketplace where insurance shoppers enter their policy data once, and every company returns a rated price based on that data. This prevents consumers from doing quotation requests for each company you want a rate for.

To access this free quoting program, click here to start a free quote.

One minor caviat to doing it this way is that consumers can’t choose the companies to get pricing from. So if you want to select specific insurance companies to receive pricing from, we have a page of companies who write car insurance in your area. Click here to view list.

Whichever way you use, compare identical coverage information with every price quote. If you enter unequal deductibles or liability limits it will be next to impossible to determine the best price for your Jeep Cherokee. Quoting even small variations in limits may cause a big price difference. And when comparing car insurance rates, know that comparing a large number of companies helps you find the best rates.

Don’t overlook these discounts

Companies do not list every discount in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known ways to save on auto insurance.

  • Accident Free – Good drivers with no accidents can earn big discounts compared to frequent claim filers.
  • Good Student – This discount can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Defensive Driver – Taking part in a defensive driving course could cut 5% off your bill if you qualify.
  • Discount for New Cars – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Accident Forgiveness – A few companies will forgive one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Student Driver Training – Have your child complete a driver education course in high school.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% for Cherokee coverage depending on your company.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

To see a list of providers offering auto insurance discounts, click here to view.

Is my situation unique?

When choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions can help discover whether or not you will benefit from professional help.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I pay less if my vehicle is kept in my garage?
  • If I drive on a suspended license am I covered?
  • What is the rate difference between pleasure use and commuting?
  • Do I need replacement cost coverage?
  • Is upholstery damage covered by car insurance?
  • Do I need motorclub coverage?
  • Do I need rental car coverage?
  • Am I better off with higher deductibles on my 1997 Jeep Cherokee?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Why your Jeep Cherokee insurance rates may be high

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for insurance coverage. Knowing what influences your rates allows you to make educated decisions that will entitle you to better insurance coverage rates.

  • Do you know your deductibles? – Physical damage deductibles define the amount you are required to spend if you file a covered claim. Physical damage coverage, also known as collision and other-than-collision, insures against damage to your car. Some examples of claims that would be covered would be running into the backend of another car, damage caused by hail, or theft. The more money the insured has to pay upfront, the lower your rates will be for Cherokee coverage.
  • Occupation reflects on rates – Careers like doctors, social workers and accountants have higher rates than average attributed to stressful work requirements and lengthy work days. On the flip side, professions such as pilots, athletes and retirees get better rates for Cherokee coverage.
  • Too many insurance coverage claims drive up costs – If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Companies award discounts to insureds who file claims infrequently. Your insurance policy is intended for major claims that would cause financial hardship.
  • Pay less if you’re married – Being married helps lower the price on your policy. Marriage is viewed as being more responsible and it’s proven that being married results in fewer claims.
  • A clean driving record saves money – Your driving citation history impacts your car insurance rates tremendously. Drivers with clean records receive lower rates than bad drivers. Even one moving violation may increase your cost forty percent or more. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.

Detailed coverages of your insurance policy

Having a good grasp of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Jeep Cherokee.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Coverage for collisions

This pays for damage to your Cherokee caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a ditch, sideswiping another vehicle, crashing into a building and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills like funeral costs, prosthetic devices, X-ray expenses, hospital visits and ambulance fees. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability coverages

Liability insurance will cover damage that occurs to people or other property. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for things like loss of income, medical services, funeral expenses and attorney fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hail damage, a broken windshield and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Better coverage you can count on

Cheaper 1997 Jeep Cherokee insurance can be found online and with local insurance agents, so you should compare both to have the best selection. Some insurance coverage companies do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

While you’re price shopping online, you should never sacrifice coverage to reduce premiums. There are too many instances where someone dropped liability limits or collision coverage only to find out that it was a big error on their part. Your goal should be to get the best coverage possible for the lowest price.

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