How Much Does 1991 Jeep Comanche Insurance Cost?

Shopping for the lowest cost auto insurance on the internet can seem to be rather challenging for vehicle owners that are relatively new to comparing prices over the internet. With such a large number of agents and insurance companies available, how can you be able to compare every one to find better auto insurance prices?

How to lower your insurance cost

When comparison shopping, there are several ways to compare prices from many available insurance companies in your state. The quickest method to lower the rate you pay for 1991 Jeep Comanche insurance involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

One of the best ways consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for separate forms for every insurance company. Taking the time to complete one form will return quotes from insurance companies with the best prices. This is by far the quickest method.

A more difficult way to find better pricing requires a visit to each individual company website and fill out their own quote form. For example, let’s say you want to get rates from Progressive, State Farm and Allstate. In order to compare rates, you need to spend time on each company’s site and punch in your information repeatedly, which can get old fast. For a list of links to companies insuring cars in your area, click here.

If you have time to kill, the last way to find lower rates is to waste gas driving to insurance agencies in your area. The ability to get quotes online eliminates the need for an insurance agent unless you have a complicated situation and need the personal advice of a local agency. It is possible with some companies compare the best prices online but have a local agent actually write the policy.

It’s up to you how you get prices quotes, just do your best to enter exactly the same coverage limits and deductibles for every quote you compare. If you use different coverage information you will not be able to find the best deal for your Jeep Comanche. Slightly different insurance coverages or limits could throw off the whole comparison. And when quoting insurance, remember that making a lot of price comparisons helps improve the odds of finding the best price. Some smaller insurers to not give online rate quotes, so it’s important to also get price quotes from those companies as well.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Does my 1991 Jeep Comanche qualify for pleasure use?
  • When can my company non-renew my policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Can I drive in Mexico and have coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Are my friends covered when driving my 1991 Jeep Comanche?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Car insurance 101

Having a good grasp of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage protection

Collision insurance will pay to fix damage to your Comanche from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a ditch, driving through your garage door, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills like surgery, prosthetic devices and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for liability

This coverage protects you from damage or injury you incur to people or other property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims like loss of income, repair costs for stationary objects, funeral expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like fire damage, a broken windshield, hitting a deer and hail damage. The most 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 consider removing comprehensive coverage.