Compare 1998 Jeep Cherokee Insurance Quotes

Searching for better insurance coverage rates? Consumers have options when looking for the lowest priced Jeep Cherokee insurance. You can either waste hours struggling with agents to get rate comparisons or leverage the internet to get rate quotes.

There are both good and bad ways to shop for insurance coverage so you’re going to learn the best way to get price quotes for a Jeep and get the cheapest rates either online or from local insurance agents.

Discounts on 1998 Jeep Cherokee insurance

Properly insuring your vehicles can get expensive, but there could be available discounts that can drop the cost substantially. Certain discounts will be applied when you get a quote, but a few need to be specifically requested before you get the savings. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Paperwork-free – A few companies give back up to $50 for buying a policy and signing up on their website.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.
  • Drive Less and Save – Driving fewer miles can earn better rates on cars that stay parked.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy could earn a price break for each car.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Accident Forgiveness – Some insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you may save 10% to 20% off each policy.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a discount up to 10% on Cherokee coverage.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Cherokee coverage than drivers with accidents.

Keep in mind that some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will bring down the cost of coverage.

Car insurance companies who might offer these benefits include:

Check with every prospective company how you can save money. Some discounts may not be available in your area.

The quickest method we recommend to compare rate quotes is to take advantage of the fact all the major auto insurance companies have advanced systems to compare their rates. To start a quote, the only thing you need to do is give them some information such as how much education you have, how much coverage you want, the make and model of your vehicles, and if it has an alarm system. That rating information is automatically sent to multiple top-rated companies and you get price estimates almost instantly.

To check rates for your , click here and find out if lower rates are available.

Complexity of Jeep Cherokee insurance rates

It’s important that you understand the different types of things that go into determining the rates you pay for auto insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in much lower annual insurance costs.

Listed below are some of the factors companies use to determine premiums.

  • Poor driving leads to higher costs – Only having one moving violation can increase rates by twenty percent. Good drivers get better rates compared to drivers with tickets. Drivers with flagrant tickets like DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • Pleasure use saves money – The more you drive in a year the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based on their usage. Vehicles not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your auto insurance policy shows the correct driver usage. Incorrect usage on your Cherokee can result in significantly higher rates.
  • Liability coverage is peace of mind – Liability insurance is the coverage that protects you if a court rules you are at fault for causing damage or personal injury in an accident. Liability provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
  • What are your deductibles? – Your deductibles represent how much money you are required to spend before your auto insurance pays a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered would be colliding with a building, damage caused by hail, or theft. The more the insured has to pay upfront, the less your auto insurance will be on Cherokee coverage.

Tailor your coverage to you

When choosing coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions can help discover whether or not you might need professional guidance.

  • Do I need replacement cost coverage on my 1998 Jeep Cherokee?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered by my spouse’s policy after a separation?
  • What is the minimum liability in my state?
  • Is business equipment covered while in my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is a new car covered when I drive it off the dealer lot?
  • Is motorclub coverage worth it?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Car insurance policy specifics

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive car insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, damage from a tornado or hurricane, vandalism and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 1998 Jeep Cherokee.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Auto collision coverage

Collision coverage will pay to fix damage to your Cherokee caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like scraping a guard rail, sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for bills like chiropractic care, pain medications, X-ray expenses and dental work. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto liability

This can cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for 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. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like court costs, bail bonds, legal defense fees and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Spend less. Save more.

Insureds leave their current company for any number of reasons including questionable increases in premium, extreme rates for teen drivers, high prices and denial of a claim. Regardless of your reason for switching companies, finding a new insurance coverage company can be less work than you think.

As you shop your coverage around, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where an insured cut liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Low-cost 1998 Jeep Cherokee insurance is possible both online and with local insurance agents, and you should compare price quotes from both to have the best selection. A few companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

Much more information about insurance coverage can be found at these links: