1993 Jeep Cherokee Car Insurance Rates

Searching for the cheapest car insurance rates? Consumers have options when looking for the lowest priced Jeep Cherokee insurance. They can either waste time struggling with agents to compare prices or leverage the internet to find the lowest rates.

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

It is always a good idea to price shop coverage yearly because rates tend to go up over time. Despite the fact that you may have had the lowest rate for Cherokee coverage at your last renewal the chances are good that you can find a lower price today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the only way to find better coverage at a better price.

Why informed drivers pay less for Jeep Cherokee insurance

When buying insurance coverage it’s important to understand some of the factors that help calculate the price you pay for insurance coverage. If you have some idea of what controls the rates you pay, this enables you to make decisions that can help you get lower rates. Lots of things are used in the calculation when premium rates are determined. Some are obvious such as traffic violations, but other factors are not quite as obvious like your vehicle usage or how financially stable you are.

The itemized list below are some of the most rate-impacting factors used by companies to determine premiums.

  • Cheaper rates by bundling – Most companies will award a discount to insureds who consolidate policies with them, otherwise known as a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even with this discount, it’s still a good idea to shop around to confirm you are receiving the best rates possible. You may still be able to find better rates by buying insurance from more than one company.
  • Get better rates if married – Having a significant other may cut your premiums on insurance coverage. Having a significant other translates into being more mature than a single person it has been statistically shown that being married results in fewer claims.
  • How much liability coverage do you need? – The liability section of your policy will afford coverage in the event that you are ruled to be at fault for an accident. Your liability coverage provides you with a defense in court to attempt to prove you were not liable. This coverage is very inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Are you male or female? – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. However, this does not mean males are worse at driving than females. Females and males get in accidents in similar numbers, but the males cause more damage. Men also tend to receive more major tickets such as reckless driving. Teenage male drivers are several times more likely to be in an accident and therefore pay the highest rates.
  • Buy a safe car and pay less – Safer cars cost less to insure. Safer cars reduce the chance of injuries and better occupant protection means lower claim amounts and lower rates for you. If your Jeep is rated at least four stars on Safercar.gov it may be receiving lower rates.
  • Save money by eliminating extra policy coverages – Insurance companies have many add-on coverages that can add up but may not be useful. Coverage for things like personal injury protection, towing, and additional equipment coverage may not be needed and are just wasting money. These coverages may sound good when buying your policy, but if you don’t need them consider taking them off your policy.

Compare insurance quotes online

Finding cheaper 1993 Jeep Cherokee insurance rates is a fairly straight forward process. You just have to invest a few minutes comparing rate quotes to find. Rate comparisons can be done in a couple of different ways.

  • If you are pressed for time, the simplest way to get quotes would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do separate quote forms for each company. Filling out one form gets you price quotes from all major companies.It’s the quickest way to get rates.
  • A slightly less efficient method to find more affordable insurance is to manually visit each individual company website and fill out their own quote form. For example, we’ll pretend you are doing a rate comparison from Liberty Mutual, State Farm and American Family. You would be required to spend time going to each site individually and enter your information, which can get rather old. For a list of companies in your area, click here.
  • The final way to quote and compare insurance rates is physically going to different agent offices. Quoting and buying insurance online reduces the need to sit down with an agent unless you want the professional assistance of a licensed agent. You can, however, find lower rates online but buy from a local insurance agent.

You can choose any of those ways to find more affodable coverage, but try to keep equivalent information with every price quote. If you are comparing different values for each quote it’s not possible to find the best deal for your Jeep Cherokee.

Discount auto insurance rates

Auto insurance companies do not advertise every discount they offer in an easy-to-find place, so the below list has some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates. If you check and find you aren’t receiving every discount you deserve, you are just wasting money.

  • Buy New and Save – Putting insurance coverage on a new car can get you a discount since newer vehicles are generally safer.
  • Low Miles Discount – Low mileage vehicles can qualify you for lower premium rates due to less chance of an accident.
  • Telematics Data – Insureds who allow their insurance company to analyze where and when they drive by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks as long as they are good drivers.
  • Bundled Policy Discount – If you can combine your homeowners and auto policy and insure them both with the same insurance company you may earn at least 10% off all policies.
  • Multi-Vehicle Discounts – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up before driving can save a little off PIP or medical payments premium.

Keep in mind that most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.

Companies and some of their more popular discounts are detailed below.

  • 21st Century offers discounts for early bird, student driver, driver training, 55 and older, automatic seat belts, anti-lock brakes, and teen driver.
  • Progressive may include discounts for homeowner, multi-policy, good student, multi-vehicle, online signing, and continuous coverage.
  • State Farm offers discounts including good student, driver’s education, passive restraint, student away at school, defensive driving training, and Steer Clear safe driver discount.
  • Nationwide has discounts for easy pay, multi-policy, family plan, accident-free, and good student.
  • Esurance offers premium reductions for multi-policy, DriveSense, online shopper, Switch & Save, and good driver.
  • The Hartford includes discounts for defensive driver, anti-theft, vehicle fuel type, bundle, good student, air bag, and driver training.

If you want low cost car insurance quotes, ask every company which discounts you may be entitled to. A few discounts might not be offered in your area.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions may help highlight if your situation would benefit from professional advice.

  • When should I remove comp and collision on my 1993 Jeep Cherokee?
  • When should I buy a commercial auto policy?
  • How many claims can I have before being cancelled?
  • How much liability coverage do I need in my state?
  • How can I get my company to pay me more for my totalled car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is high-risk coverage and where do I buy it?
  • Am I covered when driving on a suspended license?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Specifics of your insurance policy

Understanding the coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverage

This protects you from injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

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. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like loss of income, emergency aid, court costs, repair costs for stationary objects and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for collisions

This will pay to fix damage to your Cherokee resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, colliding with a tree, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like prosthetic devices, doctor visits, rehabilitation expenses and ambulance fees. They are utilized in addition to your health insurance program or if you do not have health coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, fire damage, theft, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1993 Jeep Cherokee.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Take this to the bank

People leave their current company for a number of reasons such as extreme rates for teen drivers, delays in paying claims, lack of trust in their agent and even policy non-renewal. Regardless of your reason for switching companies, switching companies can be pretty painless.

We just presented quite a bit of information on how to reduce 1993 Jeep Cherokee insurance prices online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest prices come from the smaller companies.

Discount 1993 Jeep Cherokee insurance can be sourced on the web in addition to many insurance agents, and you should be comparing both to have the best selection. Some insurance companies may not offer rates over the internet and many times these small insurance companies only sell coverage through independent agents.

To learn more, take a look at the articles below: