View 1996 Jeep Cherokee Car Insurance Rates

Searching for the cheapest insurance rates for your Jeep Cherokee? Locating the cheapest insurance for your Jeep Cherokee can normally be difficult, but you can follow the following methods to find lower rates.

There is a right way and a wrong way to compare insurance rates so you’re going to learn the proper way to price shop coverage on a Jeep and find the best price possible.

Locating the lowest cost protection can be fairly easy. If you have a policy now or are shopping for new coverage, you can use this information to find the best rates and still get good coverage. Drivers just need to understand how to buy auto insurance on the web.

Where Can I Get Cheap Car Insurance?

Performing a rate comparison can take hours if you don’t know the most efficient way. You can spend your afternoon talking about coverages with insurance companies in your area, or you could save time and use the internet to quickly compare rates.

Many insurance companies belong to an insurance system that enables customers to only type in their quote data once, and each participating company then gives them pricing based on that data. This system prevents you from having to do quotation requests to every company. To enter your information into the quoting system, click here to open in new window.

The only drawback to comparing rates this way is that consumers can’t choose which companies to receive prices from. If you prefer to choose individual companies to compare, we have a page of low cost car insurance companies in your area. Click to view list.

Whichever way you use, make absolute certain that you use apples-to-apples coverages for each comparison quote. If you use different liability limits it’s not possible to find the best deal for your Jeep Cherokee.

Tailor your coverage to you

When buying coverage for your vehicles, there is no cookie cutter policy. Each situation is unique.

These are some specific questions may help you determine if your situation could use an agent’s help.

• Do I have coverage if my license is suspended?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Should I get collision insurance on every vehicle?
• Is my nanny covered when driving my vehicle?
• How high should deductibles be on a 1996 Jeep Cherokee?
• Are all vehicle passengers covered by medical payments coverage?
• Can I make deliveries for my home business?
• Is business equipment covered while in my vehicle?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Information about specific coverages

Understanding the coverages of your car insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as hospital visits, doctor visits, prosthetic devices, pain medications and EMT expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision – This pays for damage to your Cherokee caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as colliding with a tree, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Liability coverages – This coverage protects you from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as emergency aid, repair costs for stationary objects, bail bonds and court costs. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured and underinsured coverage – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive coverages – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a deer, hitting a bird and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.