Cheapest 1996 Jeep Cherokee Insurance Rates in 2023
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UPDATED: Jun 27, 2022
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Trying to find lower insurance rates for your Jeep Cherokee? Have you fallen victim to high-priced insurance? Believe me, there are a lot of people just like you who feel imprisoned by their insurance policy. Because there are so many online and local companies to choose from, it can be challenging to locate the lowest price company.
Locating cheaper car insurance coverage can be fairly easy. If you have a policy now or are just looking to switch companies, you can learn to cut your premiums while maintaining coverages. Consumers only need to know the tricks to find the lowest price online.
Why your Jeep Cherokee insurance rates may be high
Consumers need to have an understanding of some of the elements that play a part in calculating your insurance coverage rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to much lower annual insurance costs.
- Low deductibles can be expensive – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your Jeep from damage. A few examples of covered claims could be a windshield shattered by a rock, damage caused by hail, or theft. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket in the event of a claim. The more money you have to pay, the less your insurance coverage will be on Cherokee insurance.
- Don’t buy coverages you don’t need – There are many extra coverages that you can buy if you aren’t careful. Coverages like roadside assistance, towing coverage and membership fees are examples of these. These may sound like a good investment initially, but your needs may have changed so get rid of them and save.
- Being married is a good thing – Being married helps lower the price on your insurance coverage policy. Having a spouse translates into being more responsible and it’s proven that married couples file fewer claims.
- More claims means more premium – Auto insurance companies generally give cheaper rates to drivers who do not file claims often. If you file claims often, you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
- Rates may be higher depending on your occupation – Did you know your insurance coverage rates can be affected by your occupation? Careers like judges, architects and accountants tend to have higher rates than average due to high stress levels and lots of time spent at work. On the flip side, occupations like actors, athletes and performers receive lower rates on Cherokee insurance.
- Pleasure use saves money – The more you drive in a year’s time the more you will pay for insurance coverage. Most companies charge to insure your cars based on their usage. Cars used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. If your policy improperly rates your Cherokee can cost quite a bit. Double check that your insurance coverage policy is rated on the correct driver usage.
Don’t overlook these discounts
Insuring your fleet can be pricey, but companies offer discounts that you may not even be aware of. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be manually applied before they will apply. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
- Payment Method – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
- Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on Cherokee insurance than less cautious drivers.
- Life Insurance Discount – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
- Early Switch Discount – A few companies offer discounts for switching to them before your current expiration date. It’s a savings of about 10%.
- Homeowners Pay Less – Owning a home may trigger a insurance coverage policy discount because of the fact that having a home requires personal responsibility.
- 55 and Retired – Mature drivers may qualify for reduced rates on Cherokee insurance.
A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as comp or med pay. Just because it seems like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. But all discounts will cut the cost of coverage.
Insurance companies who might offer these money-saving discounts include:
- State Farm
- Farm Bureau
It’s a good idea to ask every prospective company which discounts they offer. Savings may not be available everywhere.
Do drivers who switch really save?
Drivers get pounded daily by advertisements for car insurance savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise about savings if you change your policy.
How do they all say the same thing? It’s all in the numbers.
Insurance companies are able to cherry pick for the type of driver that is profitable for them. For instance, a driver they prefer could be a mature driver, has no driving citations, and has a high credit rating. A customer getting a price quote who meets those qualifications receives the best rates and therefore will save when switching.
Consumers who are not a match for this ideal profile will be quoted higher prices which usually ends up with business going elsewhere. The ads state “people who switch” but not “drivers who get quotes” save money. That is how companies can make those claims.
This emphasizes why it’s extremely important to get as many quotes as possible. You cannot predict which company will fit your personal profile best.
Is my situation unique?
When choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. For example, these questions may help you determine whether your personal situation might need an agent’s assistance.
- Are my tools covered if they get stolen from my vehicle?
- Does liability extend to a camper or trailer?
- How can I get my company to pay me more for my totalled car?
- Should I waive the damage coverage when renting a car?
- Do I need added coverage for expensive stereo equipment?
- Why do I need rental car insurance?
- Do I have coverage for damage caused while driving under the influence?
- Does my insurance cover a custom paint job?
- Does medical payments coverage apply to all occupants?
- Does my 1996 Jeep Cherokee qualify for pleasure use?
If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.
Information about specific coverages
Having a good grasp of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types offered by insurance companies.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance reimburse you for bills for things like X-ray expenses, surgery, dental work and ambulance fees. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Collision coverage protection
This coverage covers damage to your Cherokee resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims like hitting a mailbox, scraping a guard rail, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Comprehensive auto coverage
This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a deer and hail damage. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for liability
Liability coverage protects you from injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people. It does not cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.
Liability insurance covers claims such as medical expenses, pain and suffering, funeral expenses, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.
You can do this!
Cheap 1996 Jeep Cherokee insurance is available online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. Some companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.
We just presented a lot of tips how to save on insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the most savings is with a small local company. These companies can often provide lower rates in certain areas compared to the large companies like Allstate and Progressive.
Additional information is located below:
- Senior Drivers (Insurance Information Insitute)
- Credit and Insurance Scores (Insurance Information Insitute)
- Things to Know Before you Cancel Insurance (Allstate)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Understanding Rental Car Insurance (Insurance Information Insitute)
- Cellphones, Texting and Driving (iihs.org)
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