Cheap 1999 Jeep Cherokee Car Insurance Quotes

Overwhelmed by the sheer number of car insurance providers? There are such a vast assortment of providers available that it can easily become a burden to find the perfect company for you.

The quickest way to compare car insurance rates is to know the trick most of the larger companies participate in online systems to provide you with free rate quotes. To get started, all you need to do is provide a small amount of information including whether you are single or married, if you lease or own, if you went to college, and the make and model of your vehicles. Those rating factors gets sent immediately to all major companies and they provide comparison quotes with very little delay.

To compare rates for your car now, click here then complete the form.

Do car insurance companies bend the truth?

Well-known car insurance companies like 21st Century, Allstate and State Farm constantly bombard you with television, radio, and online ads. They all make the point that you’ll save big if you switch your policy. How is it possible that every company can make the same claim? It’s all in how they say it.

Many companies quote their best rates for the right customer that will most likely be profitable. For example, a profitable customer might be between the ages of 30 and 45, has no prior claims, and drives a safe vehicle. A propective insured that matches those criteria will get the preferred auto insurance rates and will save quite a bit of money when switching.

Potential insureds who don’t measure up to those standards will probably be forced to pay a higher premium which results in the customer not buying. The wording the ads use say “drivers who switch” not “everyone who quotes” save that much. That’s the way insurance companies can make claims that they all have the best premium rates. That is why you should do a rate comparison at every renewal. Because without a comparison, you cannot know which insurance companies will have the best auto insurance rates for your profile.

Lower insurance rates with these tips

Lots of things are part of the equation when you quote your car insurance policy. Most are fairly basic such as your driving history, but other criteria are less apparent like your continuous coverage or how safe your car is.The best way to find cheaper insurance coverage is to take a look at some of the factors that go into determining the price you pay for insurance coverage. When you understand what controls the rates you pay, this helps enable you to make changes that may reward you with lower insurance coverage prices.

The following are most of the major factors utilized by car insurance companies to help set premiums.

  • Safety ratings are a factor – Vehicles with good safety scores get lower rates. These vehicles reduce the chance of injuries and lower injury rates means less money paid by your insurance company which can mean better rates for you. If your Jeep Cherokee has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Save money by having responsible credit – Having a good credit score can be a huge factor in determining what you pay. If your credit score leaves room for improvement, you could potentially save money when insuring your 1999 Jeep Cherokee by taking the time to improve your credit score. Insureds that have excellent credit tend to be more responsible than drivers who have bad credit.
  • Do females or males drive better? – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that females are better at driving than males. Women and men are responsible for fender benders in similar percentages, but males cause more damage and cost insurance companies more money. In addition to higher claims, males also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Getting married reduces risk – Having a spouse may save some money when shopping for insurance coverage. Having a significant other usually means you are more mature and responsible and insurance companies reward insureds because being married results in fewer claims.
  • Raise physical damage deductibles and save – Deductibles for physical damage define the amount you are willing to pay before your insurance coverage pays a claim. Insurance for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some instances where coverage would apply are collision with another vehicle, damage from fire, or theft of your vehicle. The larger the amount the insured is willing to pay, the better rate you will receive on Cherokee insurance.
  • The more you drive the more you pay – The more you drive in a year’s time the more you will pay for insurance coverage. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks left parked in the garage receive lower rates than those that get driven frequently. Verify your vehicle rating reflects the right rating data. Having an incorrect usage rating on your Cherokee may be costing you higher rates.
  • Only buy extra policy coverages you need – There are a ton of extra add-on coverages that can waste your money if you don’t pay attention. Insurance for rental car reimbursement, better glass coverage, and Farm Bureau memberships are some examples. They may sound like good ideas at first, but if they’re wasting money eliminate them to save money.

Insurance Discounts

Companies don’t necessarily list all disounts very well, so we researched both well-publicized as well as some of the hidden savings tricks you should be using when you buy car insurance online. If you do not double check each discount you qualify for, you could be getting lower rates.

  • Low Mileage Discounts – Driving less could qualify for slightly better insurancerates than normal.
  • Responsible Driver Discount – Drivers without accidents may save up to 50% more on Cherokee insurance than their less cautious counterparts.
  • Professional Memberships – Affiliation with qualifying employment or professional organizations could qualify you for a break on your policy.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
  • Telematics Data – Drivers that enable their insurance company to analyze where and when they drive by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease as long as the data is positive.
  • E-sign – A few larger online companies will discount your bill up to fifty bucks for signing up over the internet.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in high school.
  • Driver Training Discounts – Taking a course teaching driver safety skills could possibly earn you a 5% discount if your company offers it.

You can save money using discounts, but most of the big mark downs will not be given to the entire cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though you would think you would end up receiving a 100% discount, you aren’t that lucky.

A few of the larger companies and a summarized list of policyholder discounts can be read below.

  • Farm Bureau offers discounts for multi-policy, youthful driver, renewal discount, driver training, good student, 55 and retired, and safe driver.
  • State Farm includes discounts for driver’s education, good driver, accident-free, defensive driving training, and student away at school.
  • Progressive may have discounts that include continuous coverage, good student, homeowner, multi-policy, online signing, and online quote discount.
  • Allstate has discounts for premier plus, EZ pay plan discount, defensive driver, 55 and retired, and passive restraint.
  • Nationwide offers premium reductions for defensive driving, business or organization, accident-free, easy pay, and family plan.
  • MetLife policyholders can earn discounts including good driver, good student, defensive driver, multi-policy, claim-free, accident-free

Before buying, ask each company or agent which credits you are entitled to. Some of the discounts discussed earlier may not be available in your area. To see a list of insurers that offer many of these discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there really is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

  • Does insurance cover damages from a DUI accident?
  • Does coverage extend to a rental car in a foreign country?
  • Should I buy only the required minimum liability coverage?
  • Do I need roadside assistance coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Does insurance cover tools stolen from my truck?
  • What discounts do I qualify for?
  • When does my teenage driver need to be added to my policy?
  • Can I afford to buy a different vehicle if my 1999 Jeep Cherokee is totaled?
  • Do I need an umbrella policy?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form.

Insurance coverage breakdown

Understanding the coverages of insurance helps when choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Collision insurance

Collision coverage covers damage to your Cherokee caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with another moving vehicle, sustaining damage from a pot hole, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, theft, damage from a tornado or hurricane, hitting a deer and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1999 Jeep Cherokee.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on 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.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like bail bonds, pain and suffering, funeral expenses and emergency aid. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as funeral costs, prosthetic devices and pain medications. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Shop smart and save

Affordable 1999 Jeep Cherokee insurance is attainable online and with local insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who do not provide rate quotes online and most of the time these regional carriers prefer to sell through independent insurance agencies.

We covered a lot of techniques to lower your 1999 Jeep Cherokee insurance premium rates. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest premium rates come from a company that doesn’t do a lot of advertising.

Insureds leave their current company for a variety of reasons including policy cancellation, an unsatisfactory settlement offer, poor customer service or even delays in paying claims. No matter why you want to switch, switching insurance coverage companies can be easy and end up saving you some money.

More tips and info about insurance coverage is located in the articles below: