1998 Jeep Cherokee Car Insurance Quotes – 9 Tips for Cheapest Rates

Purchasing cheap car insurance on the internet might appear challenging for drivers who are beginners to quoting and price shopping on the internet. With such a big selection of agents and companies in the marketplace, how can drivers have time to compare every car insurance company to find lower car insurance premiums?

It’s a great practice to check car insurance prices at least once a year because prices change frequently. Just because you found the lowest rates on Cherokee coverage six months ago there may be better deals available now. Forget all the misinformation about car insurance because you’re going to get a crash course in how to quote online to find lower rates on car insurance.

This article will help educate you on the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you stand a good chance to be able to save some money using these techniques. But vehicle owners do need to learn the methods companies use to compete online.

Compare auto insurance price quotes online

There are a variety of methods to compare auto insurance prices but one way is less labor-intensive and much quicker. You can waste hours talking to insurance companies in your area, or you can stay home and use online quoting to get pricing more quickly.

The majority of car insurance companies take part in a program that enables customers to enter their policy data once, and at least one company then gives them pricing determined by their information. This prevents consumers from doing form submissions to every company. To compare rates using this form now click here to open in new window.

The one disadvantage to doing it this way is you cannot specify which insurance companies you want to price. If you wish to select specific providers to compare, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just make sure you compare exactly the same deductibles and coverage limits for each price quote. If your comparisons have different deductibles then you won’t be able to determine which rate is truly the best. Slightly different insurance coverages or limits could mean much higher rates. And when quoting auto insurance, remember that getting more free quotes will improve the odds of getting a lower rate. Some regional insurers cannot provide online quotes, so it’s important to compare price estimates from the smaller companies as well.

Car insurance companies are expert advertisers

Car insurance companies such as State Farm and Allstate regularly use ads on television and other media. They all say the same thing that you’ll save big just by switching your coverage. That’s great but how can every company sell you cheaper insurance coverage? This is the trick they use.

Many companies give the best rates for the right customer that makes them money. For instance, a profitable insured may need to be a married male, has never had a claim, and drives a car with an anti-theft system. A propective insured who matches that profile will get the preferred prices and will save a lot if they switch.

Consumers who do not match this stringent profile will get more expensive rates and ends up with the customer buying from a different company. Company advertisements say “customers who switch” not “everyone who quotes” can save as much as they claim. That’s the way companies can make those claims.

This really illustrates why it’s extremely important to compare rate quotes every year. Because without a comparison, you cannot know which car insurance company will have the best prices.

Drivers save money with with these nine discounts

Insurance can be prohibitively expensive, but there could be significant discounts that you may not even know about. Some discounts apply automatically at the time of quoting, but once in a while a discount must be asked about prior to receiving the credit.

  • Driving Data Discount – Insureds that choose to allow driving data submission to scrutinize vehicle usage by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they exhibit good driving behavior.
  • Senior Citizen Discount – If you qualify as a senior citizen, you are able to get a small discount on rates on Cherokee coverage.
  • Discounts for Cautious Drivers – Safe drivers can save as much as half off their rates on Cherokee coverage than drivers with accident claims.
  • Early Signing – Some insurance coverage companies provide a discount for switching policies before your current expiration date. You could save around 10% when you buy auto insurance online.
  • Claim-Free Discount – Insureds with no claims or accidents are rewarded with significantly better rates on auto insurance quote in comparison with policyholders that have many claims.
  • Paperwork-free – Many companies may give you up to $50 get auto insurance on the web.
  • Active Military Service – Being on active duty in the military could qualify you for better rates.
  • Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Drive Less and Save – Driving fewer miles may enable drivers to earn better premium rates on cars that stay parked.

Discounts lower rates, but some credits don’t apply to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. Despite the appearance that you could get a free insurance coverage policy, you aren’t that lucky.

To locate insurance coverage companies with significant discounts, click here to view.

Your situation helps dictate your coverage

When choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

These are some specific questions can help discover if your situation might need an agent’s assistance.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Will filing a claim cost me more?
  • Is a new car covered when I drive it off the dealer lot?
  • What is UM/UIM insurance?
  • Am I missing any policy discounts?
  • How high should deductibles be on a 1998 Jeep Cherokee?
  • Will my insurance pay for OEM parts?
  • What is the difference between comprehensive and collision coverage?
  • What companies insure drivers after a DUI or DWI?
  • Will I lose any money if I cancel my policy before it expires?

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

Auto insurance coverages

Having a good grasp of insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

This covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, damage from getting keyed, damage from a tornado or hurricane, damage from flooding and hail damage. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage protection

Collision insurance pays for damage to your Cherokee resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like hitting a parking meter, damaging your car on a curb, scraping a guard rail, crashing into a building and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability coverages

This provides protection from damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as structural damage, court costs and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for rehabilitation expenses, X-ray expenses and nursing services. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

And the best car insurance company is…

Insureds switch companies for any number of reasons including policy non-renewal, delays in responding to claim requests, an unsatisfactory settlement offer or extreme rates for teen drivers. Regardless of your reason, switching companies is not as difficult as it may seem.

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. In many cases, an accident victim reduced physical damage coverage and found out when filing a claim that it was a big mistake. Your goal should be to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

More affordable car insurance is definitely available on the web and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not offer online price quotes and these smaller providers only sell coverage through independent agencies.

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