1990 Jeep Cherokee Insurance Rates

Want the cheapest insurance coverage rates? Drivers have many options when trying to find low-cost Jeep Cherokee insurance. You can either waste hours struggling with agents to get rate comparisons or utilize the internet to find the lowest rates.

There are more efficient ways to buy insurance coverage and you need to know the best way to price shop coverage for your Jeep and obtain the cheapest rates from both online companies and local agents.

Consumers need to price shop coverage before your policy renews since insurance prices trend upward over time. Despite the fact that you may have had the lowest rate for Cherokee insurance a few years ago other companies may now be cheaper. There is lot of inaccurate information about insurance coverage online but I’m going to show you the best ways to slash your insurance coverage rates.

Cheaper car insurance quotes with discounts

Companies don’t always list every policy discount very well, so the list below gives a summary of some of the best known and the harder-to-find discounts you could be receiving when you buy insurance online.

  • Discount for Multiple Policies – If you combine your homeowners and auto policies and insure them both with the same insurance company they may give you a discount of as much as 10 to 15 percent.
  • Own a Home and Save – Just owning your own home can save you money since owning and maintaining a home means you have a higher level of financial diligence.
  • Defensive Driver Discount – Taking time to complete a class that teaches defensive driver techniques could cut 5% off your bill if your company offers it.
  • Student in College – who are enrolled in a college that is more than 100 miles from home and do not have a car may qualify for this discount.
  • Good Students Pay Less – Getting good grades may save as much as 25% on a insurance quote. The discount lasts well after school through age 25.
  • Multi-Vehicle Discounts – Buying a policy with several vehicles on the same car insurance policy qualifies for this discount.
  • Onboard Data Collection – Drivers that enable their insurance company to track when and where they use their vehicle remotely such as Progressive’s Snapshot could possibly reduce rates if they have good driving habits.
  • Employee of Federal Government – Active or former government employment could provide a small rate reduction for Cherokee insurance with select insurance companies.
  • ABS Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions so you can save 10 percent or more.
  • Claim Free – Insureds who avoid accidents and claims get the best car insurance rates compared to drivers with a long claim history.

While discounts sound great, it’s important to understand that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. Just because it seems like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

Popular car insurance companies and a selection of discounts are included below.

  • State Farm may have discounts that include student away at school, good student, Steer Clear safe driver discount, multiple autos, and multiple policy.
  • GEICO has discounts for five-year accident-free, military active duty, multi-vehicle, driver training, defensive driver, and membership and employees.
  • Allstate offers discounts including good payer, early signing, eSmart discount, premier discount, auto/life discount, and teenSMART discount.
  • SAFECO may include discounts for multi-car, teen safety rewards, homeowner, accident prevention training, teen safe driver, anti-lock brakes, and drive less.
  • Farm Bureau may offer discounts for safe driver, youthful driver, renewal discount, multi-policy, driver training, and good student.
  • Progressive discounts include multi-vehicle, multi-policy, online quote discount, good student, homeowner, continuous coverage, and online signing.
  • AAA includes discounts for AAA membership discount, multi-car, good student, multi-policy, anti-theft, good driver, and pay-in-full.

Before purchasing a policy, check with all companies you are considering to apply every possible discount. Some credits might not be offered in your area. To choose providers that offer discounts, follow this link.

Compare auto insurance price quotes online

Lowering your 1990 Jeep Cherokee auto insurance rates is surprisingly easy. Just spend a few minutes comparing rate quotes to find. Rate comparisons can be done in just a few minutes using one of these methods.

  1. Probably the best way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This style of form prevents you from having to do boring form submissions for each company. A single, simple form gets prices estimates from several companies. This is by far the quickest method.
  2. A slightly less efficient method to compare rate quotes consists of going to the website for each individual company to complete their respective quote request forms. For example, let’s say you need rates from State Farm, Allstate and GMAC. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
  3. The last way of getting rate comparisons is to spend your day driving to insurance agencies in your area. The fact that you can get quotes online eliminates the need for an insurance agent unless you require the professional advice that you can only get from talking to an agent. However, consumers can compare the best prices online but still have the advice of a local agent.

It’s up to you which method you use, but do your best to enter exactly the same coverage limits and deductibles for each quote you get. If the quotes have higher or lower deductibles it will be impossible to determine the lowest rate for your Jeep Cherokee.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight whether you may require specific advice.

  • Do I need replacement cost coverage on my 1990 Jeep Cherokee?
  • Why do I only qualify for high-risk insurance?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is business property covered if stolen from my car?
  • Do I need roadside assistance coverage?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Information about specific coverages

Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability car insurance – This provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things like structural damage, medical expenses, attorney fees and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, damage from getting keyed, rock chips in glass, hail damage and damage from flooding. The most your auto 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.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as prosthetic devices, dental work and surgery. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

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

Collision insurance covers claims like rolling your car, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Jeep Cherokee.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Be a Smart Shopper

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced collision coverage and found out when filing a claim they didn’t have enough coverage. Your focus should be to buy enough coverage for the lowest price, but do not skimp to save money.

The cheapest 1990 Jeep Cherokee insurance is available on the web as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies don’t offer online price quotes and usually these smaller companies work with independent insurance agents.

Throughout this article, we presented many tips how you can lower your 1990 Jeep Cherokee insurance car insurance rates. The key concept to understand is the more times you quote, the better your comparison will be. Drivers may discover the biggest savings come from a small local company.

Additional insurance coverage information can be read on the following sites: