1991 Jeep Cherokee Insurance Cost – 5 Savings Tips
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UPDATED: May 11, 2022
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Looking for better car insurance rates for your Jeep Cherokee? Scraping up a payment for overpriced Jeep Cherokee insurance can empty your personal savings, especially in this economy. Comparing price quotes is free and is an excellent way to cut your insurance bill.
Insurance companies such as State Farm, Allstate, GEICO and Progressive persistently shower you with TV and radio ads, and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.
If you have car insurance now, you should be able to cut costs considerably using these techniques. Choosing the best insurance company for you is not rocket science. But vehicle owners must understand how companies sell insurance online and take advantage of how the system works.
Policy discounts you shouldn’t miss
Companies offering auto insurance do not list every available discount in an easy-to-find place, so here is a list some of the more common and the harder-to-find insurance coverage savings.
- Accident Waiver – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a set time period.
- Military Discounts – Having a family member in the military could mean lower rates.
- Multiple Vehicles – Buying coverage for multiple vehicles on one policy could earn a price break for each car.
- Senior Discount – Older drivers may be able to get better insurance coverage rates for Cherokee coverage.
- Student Driver Training – Have your child enroll in driver’s education in school.
Keep in mind that most credits do not apply to the entire cost. A few only apply to the price of certain insurance coverage like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.
For a list of insurers with the best insurance coverage discounts, click here.
The method we recommend for comparing car insurance company rates is to know the fact that car insurance companies pay for the opportunity to give you rate quotes. All you need to do is provide a small amount of information such as how much coverage you want, any included safety features, distance driven, and if a SR-22 is needed. That information is then sent to insurance carriers in your area, and they provide comparison quotes with very little delay.
Insurance agents can help
When buying proper insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.
- Can I get a multi-policy discount for packaging my home and auto coverage?
- How do I buy GAP insurance?
- Do all my vehicles need collision coverage?
- Is my ex-spouse still covered by my policy?
- Why is insurance for a teen driver so high?
- Can I afford to buy a different vehicle if my 1991 Jeep Cherokee is totaled?
- What is an SR-22 filing?
- Am I covered when driving someone else’s vehicle?
- What is the rate difference between pleasure use and commuting?
- Will I lose any money if I cancel my policy before it expires?
Coverages available on your policy
Having a good grasp of an insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply, then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like hitting a deer, a broken windshield, damage from a tornado or hurricane and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
This coverage pays to fix your vehicle from damage caused by a collision with a stationary object or other vehicle. A deductible applies, then the remaining damage will be paid by your insurance company.
Collision can pay for things like colliding with another moving vehicle, scraping a guard rail, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.
Uninsured or underinsured coverage
This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Jeep Cherokee.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
This coverage will cover damages or injuries you inflict on a person or their property that are your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25, which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.
Liability coverage pays for things such as attorney fees, court costs and medical services. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.
Medical expense coverage
Coverage for medical payments and/or PIP pay for immediate expenses for hospital visits, EMT expenses, rehabilitation expenses, nursing services and pain medications. The coverages can be used to fill the gap in your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as getting struck by a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payment’s coverage.
Affordable insurance is out there
As you restructure your insurance plan, and depending on your 1991 Jeep Cherokee price, you should never sacrifice coverage to reduce premiums. Too many times, someone dropped liability limits or collision coverage only to discover later that the few dollars in savings cost them thousands. Your aim should be to purchase plenty of coverage at the best price while still protecting your assets.
In this article, we covered a lot of tips on how to shop for 1991 Jeep Cherokee insurance online. It’s most important to understand that the more price quotes you have, the better your comparison will be. Drivers may discover the best prices are with some lesser-known companies. Some small companies often have lower prices in specific markets than their larger competitors, like Allstate, GEICO and Progressive.
Frequently Asked Questions
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