How Much Does 1999 Jeep Cherokee Insurance Cost?

Buyers have many options when searching for the lowest priced Jeep Cherokee insurance. You can either spend your time driving around to compare prices or utilize the internet to get rate quotes.

There are more efficient ways to shop for insurance coverage so we’re going to tell you the absolute fastest way to price shop coverage for a Jeep and obtain the lowest possible price from both online companies and local agents.

Informed drivers save money

Multiple criteria are used when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but some are less apparent such as whether you are married or your commute time.It’s important that you understand the different types of things that come into play when calculating your car insurance rates. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that could result in lower premium levels.

• Drive fewer miles and save – The more miles you rack up on your Jeep annually the more you will pay for car insurance. Most insurance companies calculate rates based on their usage. Cars that have low annual miles receive lower rates compared to those used for work or business. Incorrect rating for your Cherokee may be wasting your money. It’s a good idea to make sure your car insurance coverage correctly shows the correct usage for each vehicle, because it can save money.
• Being married equates to better rates – Being married may cut your premiums on car insurance. Having a significant other may mean you are more financially stable and insurance companies like that married couples file fewer claims.
• Car plus home equals more savings – Lots of insurance companies allow a discount to policyholders that buy multiple policies. It’s known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare other insurance prices to guarantee you are still saving the most. Consumers may find a better deal by buying insurance from more than one company.
• Liability protection limits on your policy – A critical coverage on your policy, liability insurance is the coverage that protects you if ever you are ruled to be at fault for personal injury or accident damage. Liability insurance provides you with a defense in court starting from day one. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should carry high limits.
• Male prices may be higher – Over the last 30 years, statistics show that women are safer drivers than men. It does not mean women are BETTER drivers than men. Females and males cause fender benders at about the same rate, but men tend to have higher claims. Not only are claims higher, but men get higher numbers of serious violations like reckless driving and DUI. Males from age 16 to 21 generally have the highest accident percentage so it costs more to insure them.
• Save money with higher comp and collision deductibles – The deductibles are the amount of money you are required to spend out-of-pocket if a claim is determined to be covered. Physical damage protection, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of covered claims would be collision with another vehicle, damage from fire, and damage caused by road hazards. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be for Cherokee insurance.
• Premiums increase with driving tickets – Your driving record has a huge affect on how much you pay. Even one driving citation could increase your next policy renewal by as much as twenty percent. Attentive drivers get better prices as compared to those with violations. People who have flagrant violations like reckless driving, hit and run or driving under the influence may find that they have to to file a proof of financial responsibility form (SR-22) with their state in order to prevent their license from being revoked.
• Your job is a factor – Occupations such as real estate brokersair traffic controllers and miners are shown to have the highest rates attributed to stressful work requirements and long work hours. Other professions such as farmers, historians and performers get better rates for Cherokee insurance.

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Low cost insurance coverage prices

There are several ways to compare insurance coverage quotes, but some are easier and takes less work. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you can stay home and use the internet for quick rates.

Most of the larger companies belong to an insurance system that enables customers to complete one form, and at least one company provides a quote determined by their information. This eliminates the need for quote forms to every company.

To find out how much you can save on insurance coverage click here to open in new window.

The one downside to pricing coverage this way is you don’t know exactly which carriers you will receive quotes from. If you wish to select from a list of companies to compare, we have a listing of insurance coverage companies in your area. Click here to view list.

Whichever method you choose, compare exactly the same quote information with every price quote. If you compare different coverage information it’s impossible to determine which rate is truly the best.

Insurance savings promises

Drivers can’t escape the ads for the lowest price insurance by State Farm, Allstate and Geico. They all seem to make the promise of big savings if you move your insurance coverage to their company.

How is it plausible that every one can claim to save you money? This is how they do it.

All the different companies offer their best rates for the type of customer that is profitable for them. For example, this type of driver should be a married male, owns a home, and drives a vehicle with a low ISO rating. A customer getting a price quote who fits those characteristics will get a cheap rate quote and will also save if they switch.

People who may not quite match this ideal profile will probably be forced to pay higher premiums which translates to business going elsewhere. If you pay attention, the ads say “drivers who switch” not “everyone that quotes” save that much money. This is how companies can make claims like that.

Because each company has a different risk profile, it is so important to get insurance quotes from several different companies. Because you never know which company will have the best prices at this point in time.

Affordable insurance coverage rates with discounts

Companies do not list the entire discount list very clearly, so the following list contains a few of the more common as well as the least known discounts that you can inquire about if you buy insurance online.

• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up could save 15% off the personal injury premium cost.
• Discount for Swiching Early – A few insurance coverage companies offer discounts for switching to them before your current coverage expires. It’s a savings of about 10%.
• Save with More Vehicles Insured – Drivers who insure multiple cars on a single policy can reduce the rates for all insured vehicles.
• Life Insurance – Not all insurance coverage companies offer life insurance, but some may give you a small discount if you purchase life insurance from them.
• Discount for Home Ownership – Owning a house may trigger a policy discount on insurance coverage due to the fact that maintaining a home demonstrates responsibility.
• Discount for Passive Restraints – Factory air bags may qualify for discounts of 25 to 30%.
• Theft Deterent Discount – Vehicles that have factory anti-theft systems can help prevent theft and will qualify for a discount on a insurance quote.
• Savings for New Vehicles – Adding a new car to your policy can save you some money compared to insuring an older model.
• Telematics Discount – Insureds who allow companies to analyze driving manner by using a small device installed in their vehicle like Allstate’s Drivewise could save a few bucks as long as they are good drivers.

Policy discounts save money, but most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like medical payments or collision. So even though you would think all the discounts add up to a free policy, companies wouldn’t make money that way. But any discount will positively reduce the amount you pay for coverage.

A list of insurance coverage companies and a summarized list of policyholder discounts are included below.

• AAA may have discounts that include good driver, education and occupation, pay-in-full, multi-policy, multi-car, good student, and AAA membership discount.
• Progressive may offer discounts for continuous coverage, multi-policy, online quote discount, multi-vehicle, and good student.
• State Farm offers discounts including defensive driving training, safe vehicle, multiple autos, accident-free, good student, anti-theft, and good driver.
• Esurance has savings for multi-car, good student, Switch & Save, homeowner, and multi-policy.
• Nationwide discounts include anti-theft, easy pay, business or organization, accident-free, good student, and multi-policy.

Before buying, ask every insurance company which discounts you qualify for. All car insurance discounts might not be offered on policies in your area. If you would like to view providers who offer insurance coverage discounts, click here.

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Tailor your auto insurance coverage to you

When choosing the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique.

These are some specific questions might help in determining whether or not you may require specific advice.

• Will filing a claim cost me more?
• Can I afford to buy a different vehicle if my 1999 Jeep Cherokee is totaled?
• What are the best liability limits?
• How do I insure my teen driver?
• What is PIP insurance?
• Do I need more liability coverage?
• Am I covered if I crash into my own garage door?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Car insurance coverage information

Knowing the specifics of insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Jeep Cherokee.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for bills such as hospital visits, chiropractic care, funeral costs, nursing services and X-ray expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverage – Collision coverage covers damage to your Cherokee resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like driving through your garage door, sideswiping another vehicle, backing into a parked car, crashing into a ditch and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance – Liability insurance provides protection from injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as emergency aid, funeral expenses, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, a tree branch falling on your vehicle and rock chips in glass. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Best coverage at the best price

People who switch companies do it for any number of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, denial of a claim and delays in paying claims. Regardless of your reason for switching companies, finding the right insurance provider is actually quite simple.

We covered many ways to save on 1999 Jeep Cherokee insurance. The most important thing to understand is the more you quote insurance, the more likely it is that you will get a better rate. You may even discover the best rates are with a small local company.

As you prepare to switch companies, it’s not a good idea to reduce needed coverages to save money. In many instances, someone dropped full coverage only to discover later they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at the best possible price, not the least amount of coverage.

To read more, take a look at the resources below:

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Should I Buy a New or Used Car? (Allstate)
• Choosing a Car for Your Teen (State Farm)
• How do I File a Claim? (Insurance Information Insitute)

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