1999 Jeep Cherokee Car Insurance Rates – 9 Tips for Best Quotes

Shopping for low-cost auto insurance might seem challenging for vehicle owners who are beginners to quoting and online price comparisons. With such a large choice of companies, how can anyone effectively compare them all to find the best pricing?

It’s important to get comparison quotes at least once a year because prices change quite often. Even if you think you had the lowest rate for Cherokee insurance six months ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the easiest way to lower your rates without sacrificing coverage.

These nine discounts can lower your car insurance quotes

Companies offering auto insurance don’t list the complete list of policy discounts in a way that’s easy to find, so here is a list some of the more common as well as the least known discounts that you can inquire about if you buy insurance online.

  • Online Discount – A few companies will provide an incentive for buying your policy over the internet.
  • Student Discounts – Excelling in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students up to age 25.
  • Senior Citizen Discount – If you’re over the age of 55, you may be able to get a slight reduction on a insurance quote for Cherokee insurance.
  • Defensive Driver – Taking part in a safe driver class could cut 5% off your bill and also improve your driving technique.
  • Own a Home – Just being a homeowner may earn you a small savings because it is proof of financial responsibility.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower car insurance rates.
  • Discount for Low Mileage – Driving less could earn better prices on cars that stay parked.
  • Early Switch Discount – Select companies give a discount for switching to them before your current coverage expires. Ten percent is about the average savings.
  • Savings for New Vehicles – Insuring a new car can cost up to 25% less because newer models are generally safer.

It’s important to note that some of the credits will not apply the the whole policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, it doesn’t quite work that way.

Larger car insurance companies and their possible discounts include:

  • State Farm offers discounts including driver’s education, anti-theft, safe vehicle, passive restraint, and Drive Safe & Save.
  • Geico may have discounts that include emergency military deployment, federal employee, membership and employees, anti-theft, military active duty, and anti-lock brakes.
  • Liberty Mutual includes discounts for hybrid vehicle, exclusive group savings, multi-policy, new move discount, newly retired, and new vehicle discount.
  • The Hartford may include discounts for bundle, good student, air bag, anti-theft, vehicle fuel type, and driver training.
  • MetLife has savings for accident-free, claim-free, good driver, good student, and defensive driver.
  • Progressive offers premium reductions for multi-policy, good student, multi-vehicle, continuous coverage, and online signing.

Before purchasing a policy, check with every company what discounts are available to you. Some of the earlier mentioned discounts may not apply to policyholders in your area. To locate providers that offer some of these discounts, click this link.

Buy auto insurance online

Most of the larger companies allow consumers to get coverage price quotes on their websites. Getting prices online is quite easy as you simply type in your required coverages as requested by the quote form. After you complete the form, their rating system automatically retrieves reports for credit and driving violations and quotes a price.

Online price estimates makes it simple to compare prices but the time required to go to a lot of sites and complete many quote forms is not the best way to spend an afternoon. But it’s very important to perform this step in order to get the best price possible.

There is a better way to compare rates

An easier way to find cheaper rates makes use of a single form that gets prices from multiple companies. This type of form saves time, eliminates form submissions, and makes price shopping online much more efficient. After sending your information, your coverage is rated and you are able to buy any or none of the quotes that you receive. If a lower price is quoted, you can click and sign and buy the new coverage. It just takes a couple of minutes and may result in a nice savings.

To compare pricing, simply click here to open in new window and submit the form. If you have a policy now, it’s recommended that you enter deductibles and limits as close as possible to your current policy. This makes sure you will receive a price comparison based on identical coverages.

Different people need different insurance coverage coverages

When it comes to buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions can help discover whether or not you may require specific advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • Is my 1999 Jeep Cherokee covered for flood damage?
  • Is my teenager covered with friends in the car?
  • I don’t drive much so do I pay less?
  • Does car insurance cover theft of personal property?
  • Is business property covered if stolen from my car?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

What insurance coverages do you need?

Knowing the specifics of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverages

Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as loss of income, emergency aid, repair bills for other people’s vehicles, funeral expenses and attorney fees. How much coverage you buy is your choice, but you should buy as much as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for rehabilitation expenses, dental work and surgery. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1999 Jeep Cherokee.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage protection

This will pay to fix damage to your Cherokee caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as scraping a guard rail, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as vandalism, theft, fire damage, hail damage and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

The best insurance company isn’t always the cheapest

Consumers leave their current company for a variety of reasons including unfair underwriting practices, extreme rates for teen drivers, policy non-renewal or even an unsatisfactory settlement offer. No matter why you want to switch, switching auto insurance companies can be pretty painless.

We’ve covered a lot of tips how to save on 1999 Jeep Cherokee insurance. The most important thing to understand is the more times you quote, the higher your chance of finding affordable insurance. You may even find the lowest car insurance rates come from a company that doesn’t do a lot of advertising.

When shopping online for auto insurance, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your goal is to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

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