How Much Does 1990 Jeep Cherokee Insurance Cost?

Searching for the cheapest insurance coverage rates? Consumers have options when looking for low-cost Jeep Cherokee insurance. You can either spend your time calling around trying to get quotes or leverage the internet to find the lowest rates.

There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the proper way to price shop coverage for your Jeep and get the lowest possible price.

Consumers should take time to check insurance coverage prices before your policy renews due to the fact that insurance prices change quite often. If you had the lowest quotes on Cherokee insurance six months ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance coverage because I’m going to teach you how to use online quotes to lower your annual insurance bill.

You can change your insurance premiums

Many different elements are part of the calculation when pricing auto insurance. Some are obvious such as traffic violations, but other factors are more obscure like your vehicle usage or how financially stable you are.

  • Are you male or female? – The statistics show females are less aggressive when driving. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men get in fender benders in similar numbers, but guys get into accidents with more damage. Men also statistically have more aggressive citations like DUI and reckless driving.
  • Where you call home plays a part – Having an address in less populated areas may provide you with better prices if you are looking for the lowest rates. Fewer drivers on the road means less chance of accidents and also fewer theft and vandalism claims. Drivers who live in large cities have to deal with more auto accidents and a longer drive to work. More time behind the wheel statistically corresponds to a higher accident and claim rate.
  • Long commutes cost more – The more you drive each year the more you’ll pay to insure your vehicle. Many insurance companies charge rates based on their usage. Cars and trucks not used for work or commuting cost less to insure than vehicles that have high annual mileage. Incorrect rating for your Cherokee may be costing you higher rates. It’s a good idea to make sure your policy correctly shows the right rating data, because it can save money.
  • Lower rates with a multi-policy discount – Some companies give lower prices to customers who buy several policies from them such as combining an auto and homeowners policy. Even with this discount, consumers should still check prices from other companies to help ensure you have the lowest rates. Drivers may still save even more even if you have your coverage with different companies
  • Don’t get traffic citations – Attentive drivers pay lower auto insurance prices compared to bad drivers. Only having one ticket may cause rates to rise by twenty percent. Drivers who have gotten severe violations such as reckless driving, hit and run or driving under the influence may find that they have to to complete a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Reduce premiums by driving safer vehicles – Safer cars tend to have lower insurance rates. Highly rated vehicles help reduce the chance of injuries in an accident and better occupant protection translates into savings for insurance companies and cheaper rates on your policy. If your Jeep scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • High comp and collision deductibles lower costs – Deductibles for physical damage define how much you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are rearending another vehicle, vandalism, and having a roll-over accident. The higher the amount you are required to pay out-of-pocket, the less money you will pay for auto insurance on Cherokee insurance.

Buy car insurance online

Finding a lower price on 1990 Jeep Cherokee insurance is surprisingly easy. You just need to spend a little time comparing price quotes to find the company with inexpensive auto insurance quotes. Rate comparisons can be done using a couple different methods.

  • Probably the best way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for separate forms for each company. Taking the time to complete one form will get you rate comparisons direct from many companies. This is by far the quickest method.
  • Another way to shop for car insurance online is spending the time to visit the website for each individual company to complete a price quote. For sake of this example, we’ll pretend you want to compare prices for Nationwide, Liberty Mutual and GMAC. To get each rate you have to spend time on each company’s site and type in your information over and over, which can be really labor intensive. For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just do your best to use equivalent coverages and limits on every quote you get. If you are comparing different limits and deductibles on each one it will be impossible to make a fair rate comparison.

Does auto insurance advertising bend the truth?

Consumers constantly see and hear ads that promise big savings by companies like State Farm, Allstate and GEICO. All the companies tend to make the same promise that drivers can save some big amount if you just switch your auto insurance coverage to their company.

How does each company sell you cheaper insurance coverage? Here is how they do it.

All the different companies have specific guidelines for the driver that will most likely be profitable. For example, a profitable insured could be between the ages of 30 and 45, has few claims, and has great credit. Any customer who fits that profile will get low rates and have a good chance to save some money.

Drivers who do not meet the ideal profile may receive a higher premium and this can result in business going elsewhere. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” save money. That is how insurance companies can confidently claim big savings.

Each company has different criteria, so you really need to compare quotes as often as possible. You cannot predict the company that will fit you best based on your risk profile.

More discounts mean cheaper premiums

Companies that sell car insurance don’t list every available discount in a way that’s easy to find, so the next list breaks down both the well known as well as the least known credits available to lower your premiums when you buy auto insurance online.

  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and that can save you a little bit as well.
  • Military Discounts – Being deployed in the military could qualify you for better prices.
  • Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase auto and life insurance together.
  • Low Miles Discount – Fewer annual miles on your Jeep could qualify for cheaper premium rates.
  • Discount for Passive Restraints – Factory air bags can get savings up to 30%.
  • Seat Belts Save – Drivers who require all occupants to fasten their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Organization Discounts – Participating in a civic or occupational organization can get you a small discount on your bill.
  • Resident Student – living away from home attending college and leave their car at home can be insured at a reduced rate.
  • E-sign Discounts – Many larger companies will give a small break shop auto insurance on the internet.

It’s important to note that some of the credits will not apply the the whole policy. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, nobody gets a free ride. Any qualifying discounts will definitely lower the cost of coverage.

To locate companies who offer free insurance coverage quotes, click this link.

It’s not one size fits all

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions may help highlight whether you might need an agent’s assistance.

  • Why does it cost so much to insure a teen driver?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is extra glass coverage worth it?
  • Should I put collision coverage on all my vehicles?
  • Should I sign the liability waiver when renting a car?
  • Is my nanny covered when driving my vehicle?
  • When should I remove comp and collision on my 1990 Jeep Cherokee?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Car insurance coverage options for a Jeep Cherokee

Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability auto insurance – Liability coverage protects you from damage or injury you incur to other people or property. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as funeral expenses, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1990 Jeep Cherokee.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for bills such as prosthetic devices, funeral costs and chiropractic care. They 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 as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage – Collision coverage will pay to fix damage to your Cherokee from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a parking meter, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Comprehensive protection – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism and rock chips in glass. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Have the Midas touch

When you buy auto insurance online, do not sacrifice coverage to reduce premiums. There have been many cases where an insured dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find at the best possible price and still be able to protect your assets.

People switch companies for a number of reasons such as lack of trust in their agent, unfair underwriting practices, not issuing a premium refund or delays in paying claims. It doesn’t matter why you want to switch finding a new car insurance company can be easier than you think.

Cheaper 1990 Jeep Cherokee insurance is available on the web and from local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some car insurance companies may not have internet price quotes and many times these regional carriers only sell through independent insurance agencies.

Additional detailed information can be found by following these links: