How Much Does 1996 Jeep Cherokee Insurance Cost?

Finding better insurance prices for a Jeep Cherokee can turn out to be difficult, but you can learn the following methods to find lower rates. There are both good and bad ways to compare insurance coverage rates and we’ll show you the quickest way to get price quotes on a Jeep and obtain the lowest possible price either online or from local insurance agents.

If you are insured now or are shopping for new coverage, you can follow these tips to find better prices and still get good coverage. Locating more affordable coverage is quite easy. Vehicle owners just need to understand the proper way to compare price quotes over the internet.

Car insurance discounts help slash rates

Some insurers don’t always publicize the complete list of policy discounts in a way that’s easy to find, so the list below gives a summary of a few of the more common and also the lesser-known credits available to you. If they aren’t giving you every credit you deserve, you could be getting lower rates.

E-sign Discounts – Some of the larger companies give back up to $50 just for signing your application online.
ABS Brakes – Cars and trucks that have steering control and anti-lock brakes are much safer to drive and therefore earn up to a 10% discount.
Discounts for Cautious Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Cherokee coverage compared to accident prone drivers.
Multiple Vehicles – Buying insurance for multiple cars or trucks on a single policy qualifies for this discount.
Lower Rates for Military – Being on active deployment in the military may qualify for rate reductions.
Discounts for New Vehicles – Buying a new car instead of a used car can be considerably cheaper because newer models keep occupants safer.

Consumers should know that some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it’s just not the way it works.

Larger car insurance companies and some of the premium reductions they offer are outlined below.

GEICO discounts include seat belt use, multi-vehicle, anti-theft, five-year accident-free, air bags, emergency military deployment, and defensive driver.
Mercury Insurance has discounts for multi-policy, ease of repair, accident-free, location of vehicle, professional/association, and good student.
Farmers Insurance offers discounts including electronic funds transfer, business and professional, distant student, early shopping, homeowner, and switch companies.
Auto-Owners Insurance may have discounts that include mature driver, paperless, safe vehicle, safe driver, student away at school, group or association, and multi-policy.
Liberty Mutual has savings for new graduate, good student, multi-car, safety features, newly retired, and newly married.
SAFECO offers discounts for teen safe driver, homeowner, accident prevention training, bundle discounts, multi-car, anti-theft, and anti-lock brakes.
Progressive includes discounts for online signing, multi-policy, online quote discount, homeowner, multi-vehicle, and good student.
USAA may offer discounts for family discount, new vehicle, defensive driver, safe driver, good student, vehicle storage, and multi-policy.

Check with all the companies how many discounts you can get. Some credits might not be offered on policies in your area.

Insurance quotes comparison

Lowering your 1996 Jeep Cherokee insurance rates is a fairly straight forward process. You just have to invest a few minutes getting comparison quotes to find the company with low cost auto insurance quotes. It’s super easy and can be done in just a few minutes using one of these methods.

If you don’t have a lot of time, the easiest way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This style of form saves time by eliminating repetitive form entry for every insurance company. Filling out one form gets coverage cost estimates from several companies. Recommended for those who want to invest the least amount of time.
A harder way to get quotes online requires visiting the website for every company you want to comare and repeat the quote process again and again. For sake of this example, we’ll pretend you want to compare prices for Liberty Mutual, State Farm and American Family. To get each rate you have to spend time going to each site individually to input your insurance information, which can be really labor intensive.
For a list of companies in your area, click here.
Even if you have time, the least recommended way to get price estimates is going to and from local insurance agencies. Shopping for insurance online reduces the need to sit down with an agent unless you require the trained guidance that only an agent can give. Although, it is possible find lower rates online and get advice from an agent in your area.

Take whichever approach you prefer, but be sure to compare apples-to-apples quote information for each quote you get. If each company quotes differing limits it will be nearly impossible to truly determine the lowest rate.

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Buy Jeep Cherokee insurance for less

When buying car insurance it’s important to understand some of the things that aid in calculating car insurance rates. When you understand what influences your rates, this empowers consumers to make smart changes that can help you get lower rates.

Shown below are some of the items companies use to determine prices.

Insurance claims cost money – Auto insurance companies provide the lowest premiums to people who are not frequent claim filers. If you are the type of insured that files lots of claims you can expect much higher rates or policy non-renewal. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
Poor driving habits leads to higher premiums – Having a clean driving record can have a huge impact on auto insurance premiums. Even a single ticket can increase rates by as much as twenty percent. Drivers with clean records pay less for auto insurance than bad drivers. Drivers unfortunate enough to have severe citations like DUI or reckless driving may find that they have to to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent their license from being revoked.
High credit rating translates to low rates – Having a good credit score will be a significant factor in determining premium rates. People that have excellent credit scores tend to be less risk to insure as compared to drivers with poor credit scores. Therefore, if your credit history is low, you could pay less to insure your 1996 Jeep Cherokee if you clean up your credit.
Discounts for auto and home policies – Most companies allow discounts to buyers that have more than one policy. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even with this discount applied, consumers should still compare rates to guarantee you are still saving the most.
Marriage discount – Having a wife or husband helps lower the price when shopping for car insurance. Marriage may mean you are more financially stable it has been statistically shown that being married results in fewer claims.
Older drivers pay less – Older, more experienced drivers are more cautious drivers, tend to cause fewer accidents , and usually have better credit.Inexperience drivers have been known to be easily distracted behind the wheel so they pay higher car insurance rates.

Which is the best auto insurance?

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if you could use an agent’s help.

Will I lose any money if I cancel my policy before it expires?
I have a DUI can I still get coverage?
Who is covered when they drive my 1996 Jeep Cherokee?
Will I be non-renewed for getting a DUI or other conviction?
I have health insurance so do I need medical payments coverage?
Does liability extend to a camper or trailer?
Why am I required to get a high-risk car insurance policy?
Why am I required to buy liability insurance?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Auto insurance coverage information

Learning about specific coverages of a insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, rock chips in glass, a broken windshield, vandalism and falling objects. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, rolling your car, damaging your car on a curb, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your 1996 Jeep Cherokee.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Auto liability insurance

Liability coverage can cover damage that occurs to other’s property or people that is your fault. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things like bail bonds, funeral expenses and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses like doctor visits, surgery and chiropractic care. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

A penny earned…

When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. In too many instances, an insured dropped collision coverage to discover at claim time that it was a big mistake. Your goal is to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

Some auto insurance companies may not provide the ability to get a quote online and many times these regional insurance providers sell through independent insurance agencies. Low-cost 1996 Jeep Cherokee insurance can be purchased both online and also from your neighborhood agents, and you should compare rates from both to have the best rate selection.

In this article, we presented a lot of ways to save on 1996 Jeep Cherokee insurance. The most important thing to understand is the more companies you get prices for, the better your comparison will be. Consumers could even find that the lowest premium rates come from an unexpected company.

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