1992 Jeep Cherokee Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for a 1992 Jeep Cherokee are $1,078 a year with full coverage. Comprehensive costs an estimated $144 each year, collision insurance costs $180, and liability costs around $554. Buying a liability-only policy costs as low as $620 a year, and high-risk insurance costs around $2,306. Teen drivers receive the highest rates at up to $4,468 a year.
Annual premium for full coverage: $1,078
Rate estimates for 1992 Jeep Cherokee Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 1992 Jeep Cherokee models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as low as $620 for just liability insurance to a high rate of $2,306 for high-risk insurance.
These differences demonstrate why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 1992 Jeep Cherokee Insurance
Tired of paying out the nose each month for car insurance? Your situation is no different than the majority of other car owners. Many insurance companies vie for your business, and it can be difficult to compare rates to find the absolute lowest rate possible.
Low Cost Insurance Coverage
There are multiple methods to shop for 1992 Jeep Cherokee insurance coverage, and some are less time-consuming than others. You could spend your day discussing policy coverages with local insurance agents in your area, or you could use the web to quickly compare rates.
Most major companies enroll in a system that enables customers to complete one form, and every company can provide price quotes based on that information. This eliminates the need for quotation requests for every insurance coverage company.
To compare pricing click here to open in new window.
The one disadvantage to comparing rates this way is that consumers can’t choose the insurers to receive prices from. So if you want to select from a list of companies to receive pricing from, we have a page of insurance coverage companies in your area. Click to view list.
It doesn’t matter which method you choose, just ensure you are comparing apples-to-apples coverages and limits for every company. If each company quotes different liability limits it’s not possible to determine which rate is truly the best.
Everyone needs different coverages
When it comes to choosing proper insurance coverage, there really is no cookie cutter policy. Each situation is unique so your insurance should reflect that For instance, these questions might help in determining if your situation will benefit from professional help.
- Is a new car covered when I drive it off the dealer lot?
- Am I covered when driving a rental car?
- When should I buy a commercial auto policy?
- Why is insurance for a teen driver so high?
- Is my 1992 Jeep Cherokee covered for smoke damage?
- Will my rates increase for filing one claim?
- Am I covered if my car is in a flood?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.
Auto insurance coverage information
Knowing the specifics of auto insurance helps when choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most auto insurance policies.
Comprehensive coverage – This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as damage from a tornado or hurricane, theft, a broken windshield, falling objects and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Jeep Cherokee.
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 should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Collision coverages – Collision insurance pays for damage to your Cherokee from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against things like crashing into a building, sustaining damage from a pot hole, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Liability coverages – Liability insurance can cover damage or injury you incur to other people or property. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability can pay for claims like court costs, pain and suffering, funeral expenses and legal defense fees. How much coverage you buy is up to you, but consider buying as large an amount as possible.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like pain medications, X-ray expenses, doctor visits and nursing services. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible
Rates by U.S. City
|New York City, NY||$1,692|
|Los Angeles, CA||$1,836|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$61|
|5-yr Claim Free||$66|
|Paid in Full/EFT||$35|
Discounts are estimated and may not be available from every company or in every state.