Cheaper 1997 Jeep Cherokee Car Insurance Rates

Comparison shopping for insurance coverage is always challenging for consumers not familiar with comparison shopping online. Drivers have so many options that it can easily become a lot of work to locate the lowest price.

It’s a great practice to shop coverage around at least once a year because prices change regularly. If you had the lowest rates on Cherokee coverage a year ago other companies may now be cheaper. Starting right now, forget all the misinformation about insurance coverage because you’re about to learn how to use online quotes to reduce your cost while increasing coverage.

Cheap Insurance Comparisons

There are multiple methods to compare 1997 Jeep Cherokee insurance quotes, and some are less labor-intensive and much quicker. You could spend the better part of a day talking to local insurance agents in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

All the larger companies take part in a program where insurance shoppers complete one form, and each participating company provides a quote based on that information. This prevents consumers from doing form submissions for each company.

To submit your quote information now, click here to start a free quote.

The only drawback to doing it this way is you cannot specify which providers to receive prices from. If you wish to select from a list of companies to request quotes from, we have a page of companies who write insurance in your area. View list of insurance companies.

It’s up to you which method you use, but make darn sure you compare exactly the same coverage information with each company. If the quotes have mixed coverages it will be next to impossible to determine which rate is truly the best. Quoting even small variations in coverages can mean a large discrepancy in price. And when comparing insurance rates, know that having more price comparisons helps you find lower pricing.

Cut prices on Jeep Cherokee insurance

The cost of insuring your cars can be expensive, but you may find discounts that you may not know about. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be asked about before you get the savings.

  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Life Insurance Discount – Some companies give a break if you buy a life insurance policy as well.
  • Military Rewards – Having a family member in the military can result in better rates.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
  • Low Mileage – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.

Keep in mind that most discount credits are not given the the whole policy. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, you’re out of luck. Any amount of discount will cut the cost of coverage.

A partial list of companies that may have these money-saving discounts include:

Before buying, ask each insurance company what discounts are available to you. Savings might not apply in your area.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if you will benefit from professional help.

  • Do I need roadside assistance coverage?
  • Do I pay less for low miles?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when driving on a suspended license?
  • Does my 1997 Jeep Cherokee qualify for pleasure use?
  • What is covered by UM/UIM coverage?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverage information

Having a good grasp of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, vandalism, fire damage, a broken windshield and hitting a bird. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills like rehabilitation expenses, ambulance fees, funeral costs and hospital visits. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

Liability coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. 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, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair costs for stationary objects, attorney fees, legal defense fees and pain and suffering. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Auto collision coverage

This coverage covers damage to your Cherokee from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a mailbox, sideswiping another vehicle, crashing into a ditch, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

UM/UIM Coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.