1997 Jeep Cherokee Car Insurance Rates

Searching for lower auto insurance rates for your Jeep Cherokee? Did a good deal turn out to be overpriced auto insurance? You’re preaching to the choir because many drivers feel the same as you. Big companies like GEICO, 21st Century and Progressive constantly blast consumers with advertising and it can be hard to separate fact from fiction and find the best price available.

It’s smart to take a look at other company’s rates as often as possible because auto insurance prices change regularly. Despite the fact that you may have had the best price on Cherokee insurance at your last renewal a different company probably has better rate quotes today. Forget anything you know (or think you know) about auto insurance because you’re about to learn how to use online quotes to find great coverage at a great price.

Cheap car insurance quotes online

Finding low cost 1997 Jeep Cherokee car insurance quotes is actually quite simple. The only requirement is to spend a little time comparing free car insurance quotes provided by online insurance companies. Price comparisons can be done using one of these methods.

The easiest and least time consuming way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This quick form saves time by eliminating multiple quote forms for each company. A single, simple form gets rate comparisons from several companies.

A different way to find better pricing is to manually visit each company’s website and repeat the quote process. For examples sake, let’s say you want to get rates from State Farm, Safeco and Progressive. You would need to go to each individual site to enter your coverage information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

The old school way to price shop rates is driving to insurance agencies in your area. Quoting online makes this unnecessary unless you require the extra assistance that only a licensed agent can provide. However, consumers can get prices online but purchase the actual policy in an agency.

You can choose any of those ways to find more affodable coverage, but make sure you are using identical coverage limits and deductibles with each company. If each company quotes different limits and deductibles on each one then you won’t be able to determine which rate is truly the best.

Big names are not always cheapest

Drivers can’t escape the ads that claim the best rates by companies like Progressive, GEICO, Allstate and State Farm. They all seem to convey the message of big savings if you get a free car insurance quote and switch your coverage.

How does every company make the same claim? It’s all in the wording.

Car insurance companies quote their cheapest rates for the type of driver that will be a good risk. An example of a driver they prefer could be between the ages of 30 and 50, is a homeowner, and drives a safe vehicle. Any person that meets those criteria will get the preferred prices and as a result will probably save money with a new company.

People who do not match these standards may be required to pay a higher premium which results in the customer not purchasing. If you pay close attention to the ads, they say “customers that switch” but not “all drivers who get quotes” save that kind of money. That is how insurance companies can make it sound like they have such great prices.

Because of these techniques, you need to do a rate comparison at every renewal. It is impossible to predict which company will fit you best based on your risk profile.

Discount car insurance quotes

Car insurance companies don’t always publicize all available discounts very well, so the list below gives a summary of some of the more common and the more hidden discounts that you may qualify for.

  • Service Members Pay Less – Having a deployed family member could qualify you for better prices.
  • Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.
  • Senior Citizen Discount – If you’re over the age of 55, you could receive reduced rates on Cherokee insurance.
  • College Student Discount – College-age children who are attending college and won’t have access to an insured vehicle may qualify for this discount.
  • Discount for Home Ownership – Being a homeowner may trigger a policy discount on car insurance because owning a home means you have a higher level of financial diligence.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to use a seat belt can save up to 15% off the medical payments premium.

It’s important to understand that most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky.

The best car insurance companies and their offered discounts can be found below.

  • AAA offers premium reductions for multi-car, multi-policy, anti-theft, education and occupation, good student, good driver, and pay-in-full.
  • Progressive may have discounts that include continuous coverage, good student, online quote discount, multi-policy, and homeowner.
  • State Farm includes discounts for Steer Clear safe driver discount, safe vehicle, passive restraint, Drive Safe & Save, good student, and anti-theft.
  • Esurance may offer discounts for defensive driver, online quote, emergency road assistance, DriveSense, and good driver.
  • Nationwide may include discounts for defensive driving, family plan, multi-policy, Farm Bureau membership, good student, business or organization, and accident-free.

Before you buy a policy, ask every company how you can save money. Some discounts might not be available to policyholders in every state. If you would like to view insurers offering car insurance discounts, click here.

Tailor your auto insurance coverage to you

When choosing adequate coverage, there is no cookie cutter policy. Each situation is unique so this has to be addressed. For instance, these questions can aid in determining if you might need professional guidance.

  • Why is insurance for a teen driver so high?
  • What is an SR-22 filing?
  • Is my teenager covered with friends in the car?
  • Am I missing any policy discounts?
  • Will my insurance pay for OEM parts?
  • What is the minimum liability in my state?
  • How can I get my company to pay me more for my totalled car?
  • What should my uninsured motorist coverage limits be in my state?
  • Will filing a claim cost me more?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Auto insurance coverages

Knowing the specifics of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverage types offered by auto insurance companies.

Liability coverage – This coverage protects you from damage or injury you incur to other’s property or people in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as medical services, medical expenses 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.

Comprehensive coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hail damage, theft, vandalism, fire damage and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for immediate expenses like EMT expenses, rehabilitation expenses, nursing services, chiropractic care and hospital visits. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 1997 Jeep Cherokee.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Collision coverage – Collision insurance pays for damage to your Cherokee caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

The bottom line

As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where an accident victim reduced liability coverage limits and found out when filing a claim that they should have had better coverage. Your goal is to buy enough coverage at the best cost, but don’t skip important coverages to save money.

Lower-priced car insurance can be sourced from both online companies as well as from insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers don’t offer online quoting and these regional insurance providers prefer to sell through independent agents.

We’ve covered a lot of tips how to shop for 1997 Jeep Cherokee insurance online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers could even find that the best premium rates are with the least-expected company. These smaller insurers may cover specific market segments cheaper compared to the large companies like Progressive or GEICO.

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