1993 Jeep Cherokee Insurance Rates
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UPDATED: Oct 8, 2017
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Average insurance rates for a 1993 Jeep Cherokee are $1,078 a year for full coverage insurance. Comprehensive costs approximately $144, 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. Teenage drivers receive the highest rates at up to $4,468 a year.
Annual premium for full coverage: $1,078
Rate estimates for 1993 Jeep Cherokee Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 1993 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 the average driver, prices range range from as low as $620 for just liability insurance to the much higher price of $2,306 for a driver that may need high-risk insurance.
These differences illustrate why everyone should compare prices using their specific location and risk profile, instead of using average rates.
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 1993 Jeep Cherokee Insurance
Are you intimidated by the number of auto insurance choices? Many other consumers are too. You have so many choices that it can turn into a big hassle to find the best price.
You should make it a habit to shop coverage around once or twice a year because insurance rates are constantly changing. Even if you got the lowest price on Cherokee insurance on your last policy there may be better deals available now. Forget all the misinformation about auto insurance because you’re about to find out the fastest way to properly buy coverages while reducing your premium.
Compare Car Insurance Costs
There are several ways of comparing rate quotes from local car insurance companies. The easiest way by far to find the cheapest 1993 Jeep Cherokee insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished in several different ways.
- Probably the best way to find low rates is a comparison rater form like this one (opens in new window). This type of form eliminates the need for separate quote forms for every car insurance company. One simple form will get you rate comparisons from multiple companies. This is by far the quickest method.
- A different way to compare rate quotes is to manually visit each company website to request a price quote. For examples sake, we’ll assume you want to compare Liberty Mutual, Allstate and GMAC. You would have to go to every website to input your insurance information, which is why most consumers use the first method. To view a list of companies in your area, click here.
- The least recommended method of getting rate comparisons is to spend your day driving to and from local insurance agencies. Shopping for car insurance online can eliminate the need for a local agent unless you have a need for the personal advice of a local agent. Drivers can price shop online but still have the advice of a local agent and you’ll learn how to do that later.
However you get your quotes, ensure you are comparing identical coverage information on every quote you get. If you are comparing different deductibles it will be next to impossible to decipher which rate is best. Slightly different insurance coverages can make a big difference in price. Just remember that obtaining a wide range of quotes provides better odds of finding a better price.
Tailor your coverage to you
When choosing the right insurance coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.
For instance, these questions can aid in determining if your insurance needs would benefit from professional advice.
- When can my company non-renew my policy?
- Do I have coverage when making deliveries for my home business?
- What is an SR-22 filing?
- Is my vehicle covered by my employer’s policy when using it for work?
- How much liability do I need to cover my assets?
- How high should my medical payments coverage be?
- I have a DUI can I still get coverage?
- How high should my uninsured/underinsured coverage be in my state?
- If I drive on a suspended license am I covered?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.
Car insurance coverage breakdown
Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.
This coverage can cover damage that occurs to other people or property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage protects against things like funeral expenses, pain and suffering and bail bonds. How much coverage you buy is your choice, but buy as large an amount as possible.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance provide coverage for expenses like EMT expenses, rehabilitation expenses and funeral costs. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like a broken windshield, hitting a bird, rock chips in glass and falling objects. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against things like crashing into a building, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Jeep Cherokee.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.
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.