1994 Jeep Cherokee Insurance Quotes – 9 Savings Tips

Trying to find better car insurance rates for your Jeep Cherokee? Searching for the cheapest car insurance on the web can be problematic for consumers new to buying insurance on the web. With so many companies competing online, how can consumers even start to compare them all to find the best available price?

If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. The purpose of this article is to tell you how car insurance quotes work. But car owners must know the methods companies use to market insurance on the web.

Discounts to lower Jeep Cherokee insurance rates

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to reduce the price significantly. Larger premium reductions will be automatically applied at the time of quoting, but a few must be asked about before you will receive the discount.

  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Organization Discounts – Affiliation with a professional or civic organization could trigger savings on your policy on Cherokee insurance.
  • Accident Forgiveness – A few companies will allow you to have one accident without raising rates as long as you don’t have any claims for a set time period.
  • Accident Free – Claim-free drivers pay less as compared to accident-prone drivers.
  • Defensive Driving Course – Taking a defensive driving course could cut 5% off your bill if your company offers it.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Government Employees – Active or retired federal employment may qualify you for a discount on Cherokee insurance with select insurance companies.
  • Homeowners Pay Less – Being a homeowner may trigger a insurance policy discount because maintaining a house requires personal responsibility.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.

Drivers should understand that most discount credits are not given to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will cut the amount you have to pay.

A partial list of companies that may offer some of the above discounts are:

Before buying, ask each company which discounts you may be entitled to. All car insurance discounts might not apply in your area.

Can you really save $424 a year?

Insurance coverage companies such as State Farm and Allstate regularly use ads on television and other media. They all seem to say the same thing that you’ll save big if you move to their company. How can each company make almost identical claims?

All companies are able to cherry pick for the driver that earns them a profit. For example, a desirable insured could be over the age of 40, owns a home, and drives less than 7,500 miles a year. A customer who matches those parameters will get very good rates and therefore will save quite a bit of money when switching.

Consumers who don’t qualify for this ideal profile must pay a higher premium which leads to business going elsewhere. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much. That is how insurance companies can make the claims of big savings.

This illustrates why drivers must get quotes from several different companies. You cannot predict which insurance companies will give you the biggest savings on Jeep Cherokee insurance.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if your situation might need professional guidance.

  • How much liability coverage do I need in my state?
  • When should I not file a claim?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I still get insurance after a DUI?
  • When can I cancel my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Is a blown tire covered by insurance?
  • Do I need PIP coverage since I have good health insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I getting all the discounts available?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Parts of your auto insurance policy

Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like surgery, pain medications and doctor visits. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, fire damage and damage from getting keyed. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally these limits are identical to your policy’s liability coverage.

Auto liability insurance

This can cover damage that occurs to people or other property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like legal defense fees, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Shop around and save

People who switch companies do it for any number of reasons including an unsatisfactory settlement offer, questionable increases in premium, denial of a claim and even policy cancellation. Regardless of your reason, switching insurance companies is easier than you think.

As you shop your coverage around, do not reduce coverage to reduce premium. In many cases, consumers will sacrifice physical damage coverage only to regret that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

We’ve covered a lot of techniques to compare 1994 Jeep Cherokee insurance prices online. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even find the best price on insurance is with a small local company.

Additional information can be read below: