1997 Jeep Cherokee Insurance Quotes

Looking for better insurance rates for your Jeep Cherokee? Purchasing lower-cost insurance is difficult for vehicle owners new to shopping for insurance over the internet. With so many options of insurers available, how are we expected to even start to compare each option to find the cheapest available price?

Get affordable car insurance quotes with discounts

Some providers don’t list their entire list of discounts very well, so we break down a few of the more common and also the more inconspicuous discounts that may be available.

  • Include Life Insurance and Save – Not all companies offer life insurance, but some may give you a small discount if you purchase a life policy as well.
  • Claim-Free Discount – Drivers who stay claim-free get the best car insurance rates in comparison with frequent claim filers.
  • Senior Citizen Discount – Mature drivers may qualify for reduced rates on Cherokee coverage.
  • Air Bags and Passive Restraints – Options like air bags or motorized seat belts could see savings of up to 25% or more.
  • Cautious Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Cherokee coverage compared to rates paid by drivers with frequent claims.
  • Employee of Federal Government – Active or former government employment may qualify for a discount when you quote insurance coverage on Cherokee coverage depending on your car insurance provider.

Keep in mind that many deductions do not apply to the entire policy premium. Most only cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, it’s just not the way it works.

Auto insurance companies that possibly offer many of the previously listed discounts are:

When quoting, ask each company or agent which discounts they offer. Some discounts might not be offered in your area.

How much does insurance coverage cost?

To find more affordable quotes, there are a couple of ways to compare prices from lots of insurance coverage companies. The best method to compare 1997 Jeep Cherokee insurance prices is to perform an online rate comparison. This is very easy and can be done in a couple of different ways.

  • If you are pressed for time, the simplest way to compare a lot of rates at once is a comparison rater form click to view form in new window. This easy form eliminates the need for boring form submissions to each individual insurance coverage company. Taking the time to complete one form compares rates instantly. This is perfect if you don’t have a lot of time.
  • Another way to analyze rates consists of visiting each company website and repeat the quote process. For sake of this example, let’s assume you want to compare State Farm, Farmers and Geico. In order to compare rates, you need to spend time on each company’s site to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

How you compare quotes is your choice, just make sure you use nearly identical coverages on every quote you get. If you compare mixed coverages it will be impossible to decipher which rate is best. Just slight variations in limits can mean a large discrepancy in price. Just keep in mind that comparing more quotes helps you find better pricing. Some companies don’t provide price estimates online, so it’s necessary to compare price quotes from them as well.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Do I need motorclub coverage?
  • What is the ISO rating for a 1997 Jeep Cherokee?
  • Am I covered if I hit a deer?
  • When can I cancel my policy?
  • How do I file an SR-22 for a DUI in my state?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered if I drive in a foreign country?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form.

Car insurance 101

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, hitting a bird, falling objects, vandalism and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability insurance – Liability coverage can cover damage that occurs to a person or their property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for 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 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as bail bonds, attorney fees, repair costs for stationary objects, legal defense fees and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision – This coverage will pay to fix damage to your Cherokee resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like chiropractic care, dental work and prosthetic devices. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Cheaper insurance is a realistic goal

Lower-priced 1997 Jeep Cherokee insurance can be sourced on the web and with local insurance agents, so you need to quote insurance coverage with both to have the best rate selection. Some companies may not have online rate quotes and most of the time these smaller providers prefer to sell through local independent agents.

We just presented a lot of ways to lower your 1997 Jeep Cherokee insurance car insurance rates. It’s most important to understand that the more you quote insurance coverage, the higher the chance of saving money. You may be surprised to find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

When you buy insurance coverage online, make sure you don’t skimp on coverage in order to save money. In too many instances, someone dropped liability coverage limits only to find out that it was a big error on their part. Your strategy should be to find the BEST coverage at the best cost and still be able to protect your assets.

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