Cheap 1994 Jeep Cherokee Car Insurance Quotes

If you are new to online price comparisons, you may be confused due to the large selection local agents and online companies all advertising big savings.

Consumers need to get comparison quotes yearly because auto insurance rates are constantly changing. Despite the fact that you may have had the best deal for Cherokee coverage a year ago there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to find out one of the best ways to properly buy coverages while reducing your premium.

Drivers can save with these money-saving discounts

Car insurance companies don’t list the entire discount list very well, so the following list contains both the well known as well as some of the hidden ways to save on car insurance.

Distant Student – College-age children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be insured at a cheaper rate.
Waiver for an Accident – Not a discount per se, but some insurance companies will turn a blind eye to one accident without the usual rate increase with the catch being you have to be claim-free prior to being involved in the accident.
Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you could save 5% or more.
Seat Belt Discounts – Forcing all vehicle occupants to buckle their seat belts can save a little on the premium charged for medical payments and/or PIP.
Theft Deterent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently and will qualify for a discount on a insurance quote.
Safety Course Discount – Completing a defensive driver course could save 5% or more and easily pay for the cost of the class.
Sign Online – Some of the larger companies may give you up to $50 for buying your policy digitally online.
Good Drivers – Insureds without accidents may save up to 50% more for Cherokee coverage than their less cautious counterparts.
Multi-line Discount – If the company offers life insurance, you could get a small discount if you purchase a life policy as well.
Multi-Vehicle Discounts – Buying coverage for several vehicles on one policy can reduce rates for all insured vehicles.

Remember that many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, that’s just not realistic. But all discounts will bring down the cost of coverage.

To view car insurance companies with the best car insurance discounts, click here to view.

How to get cheap insurance coverage

To find cheaper prices, there are a couple of ways to compare quotes from companies that offer insurance coverage in your state. The fastest way to find affordable 1994 Jeep Cherokee insurance rates consists of shopping online. It is quite easy and can be accomplished by using one of the methods below.

The best way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This type of form saves time by eliminating separate quotation requests for every prospective company. One simple form gets prices estimates from all major companies. This is by far the quickest method.
A less efficient way to find lower rates consists of going to the website of each company and request a quote. For example, we’ll assume you are doing a rate comparison from Nationwide, State Farm and Progressive. You would have to take the time to go to each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

It’s up to you which method you use, but try to use the same coverage data with every price quote. If the quotes have different liability limits it will be impossible to make a fair rate comparison. Even a minor difference in coverage limits could mean much higher rates. And when price shopping your coverage, having more price comparisons will increase your chances of finding a lower rate. Some insurance companies are not set up to provide price estimates online, so you should also compare prices from them as well.

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Do I need special coverages?

When buying the best auto insurance coverage, there isn’t really a best way to insure your cars. Each situation is unique.

Here are some questions about coverages that might help in determining if your situation may require specific advice.

Can I rate high risk drivers on liability-only vehicles?
When does my teenage driver need to be added to my policy?
Do I have coverage when pulling a U-Haul trailer?
When should I not file a claim?
Does car insurance cover theft of personal property?
How much underlying liability do I need for an umbrella policy?
Is there coverage for injuries to my pets?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Do I really need UM/UIM coverage?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance coverages 101

Understanding the coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Auto collision coverage

This coverage will pay to fix damage to your Cherokee from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as damaging your car on a curb, sustaining damage from a pot hole, rolling your car, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your 1994 Jeep Cherokee.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Liability coverage

Liability insurance protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims such as loss of income, repair bills for other people’s vehicles, legal defense fees, funeral expenses and medical expenses. 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.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses for things like funeral costs, nursing services, ambulance fees, pain medications and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, damage from getting keyed, damage from a tornado or hurricane and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Compare but don’t skimp

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. There have been many cases where consumers will sacrifice liability coverage limits and learned later that it was a big mistake. Your strategy should be to get the best coverage possible at the best possible price while still protecting your assets.

We just showed you a lot of information how to compare 1994 Jeep Cherokee insurance premium rates online. 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 an unexpected company.

People who switch companies do it for any number of reasons including an unsatisfactory settlement offer, lack of trust in their agent, high rates after DUI convictions and even policy cancellation. Regardless of your reason, finding a new insurance company is not as difficult as it may seem.

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