1994 Jeep Cherokee Insurance Rates
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UPDATED: Nov 24, 2017
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Average insurance rates for a 1994 Jeep Cherokee are $1,078 a year for full coverage. Comprehensive insurance costs approximately $144 a year, collision costs $180, and liability insurance costs around $554. Buying a liability-only policy costs as low as $620 a year, with high-risk insurance costing $2,306 or more. Teenage drivers receive the highest rates at $4,468 a year or more.
Annual premium for full coverage: $1,078
Rate estimates for 1994 Jeep Cherokee Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 1994 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 driver in their 40's, prices range go from as low as $620 for only liability insurance to a high of $2,306 for a driver who has had serious violations or accidents.
These differences show why it is important for drivers to compare prices using their specific location and risk profile, rather than relying on 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 1994 Jeep Cherokee Insurance
Trying to find lower insurance coverage rates for your Jeep Cherokee? Did you fall for a flashy sales pitch and buy high-priced insurance coverage? Trust us, you are not the only one feeling buyer’s remorse. Consumers have many auto insurance companies to choose from, and although it’s a good thing to have a choice, so many choices can make it hard to find the lowest rates.
Smart consumers take time to compare rates periodically because insurance rates go up and down regularly. Even if you think you had the best price for Cherokee insurance on your last policy you may be paying too much now. Starting now, block out anything you think you know about insurance coverage because you’re going to learn how to use online quotes to lower your annual insurance bill.
How to Lower Your Insurance Coverage Cost
Comparing insurance coverage rates can take time and effort if you aren’t aware of the fastest way to get free quotes. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you could use online quotes to get pricing more quickly.
Most of the best insurance companies take part in a program where insurance shoppers complete one form, and each company can provide price quotes based on that data. This saves time by eliminating repetitive form submissions for each company you want a rate for.
To compare pricing click here to start a free quote.
The one disadvantage to comparing rates this way is you can’t choose the companies you want pricing from. So if you want to choose specific providers to compare, we have a page of insurance coverage companies in your area. Click to view list.
Whichever way you use, make absolute certain that you use apples-to-apples coverages and limits for every quote you compare. If you compare different liability limits then you won’t be able to determine the best price for your Jeep Cherokee.
Switch companies and save? Really?
Consumers can’t get away from ads that promise big savings from the likes of GEICO, State Farm and Progressive. All the companies say the same thing about savings if you move your coverage to them.
How do they all make the same claim? This is how they do it.
All the different companies have a preferred profile for the type of driver that earns them a profit. An example of a driver they prefer might be profiled as between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters will get very good rates and as a result will probably save when they switch companies.
Potential insureds who don’t qualify for the “perfect” profile will be quoted higher rates and this can result in business not being written. Company advertisements say “people who switch” not “everybody who quotes” save that kind of money. That’s why companies can truthfully make the claims of big savings. This emphasizes why it’s extremely important to quote coverage with many companies. It’s not possible to predict the company that will fit your personal profile best.
Save on Jeep Cherokee insurance
Auto insurance companies don’t always publicize every available discount in a way that’s easy to find, so here is a list both well-publicized and the more hidden insurance coverage savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.
- E-sign – Certain companies may give you up to $50 for buying a policy and signing up over the internet.
- Seat Belt Usage – Requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
- Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
- Club Memberships – Participating in a civic or occupational organization is a good way to get lower rates on your policy for Cherokee insurance.
- Early Signing – Some insurance companies reward drivers for switching policies before your current expiration date. This can save 10% or more.
- Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
- Employee of Federal Government – Active or retired federal employment may qualify you for a discount for Cherokee insurance depending on your company.
- Bundle and Save – If you have multiple policies with the same insurance company you may save at least 10% off all policies.
Keep in mind that some credits don’t apply to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.
To see a list of companies with discount insurance coverage rates, follow this link.
Tailor your coverage to you
When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if you may require specific advice.
- What discounts do I qualify for?
- Do I really need UM/UIM coverage?
- Do I need to file an SR-22 for a DUI in my state?
- Exactly who is provided coverage by my policy?
- Should I bundle my homeowners policy with my auto?
- Should I buy more coverage than the required minimum liability coverage?
- Should I drop comprehensive coverage on older vehicles?
- Where can I find high-risk insurance?
- Are my tools covered if they get stolen from my vehicle?
- Can my babysitter drive my car?
If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.
Learning about specific coverages of car insurance can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages found on the average car insurance policy.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for ambulance fees, dental work, surgery, pain medications and nursing services. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Uninsured or underinsured coverage
Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 1994 Jeep Cherokee.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
This pays for damage to your Cherokee resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as colliding with a tree, driving through your garage door, sustaining damage from a pot hole, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like theft, damage from flooding, a tree branch falling on your vehicle, vandalism and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability car insurance
Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability coverage protects against claims such as medical services, bail bonds, pain and suffering, court costs and attorney fees. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.
Have money to burn
Discount 1994 Jeep Cherokee insurance is available on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide online price quotes and these small insurance companies work with independent agents.
As you prepare to switch companies, never skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped physical damage coverage to discover at claim time that it was a big mistake. Your goal should be to find the BEST coverage for the lowest price while not skimping on critical coverages.
To read more, feel free to visit the articles below:
- Five Mistakes to Avoid (Insurance Information Insitute)
- Five Tips to Save on Auto Insurance (Insurance Information Insitute)
- Think You’re a Safe Driver? (State Farm)
- Avoiding Deer Collisions (Insurance Information Insitute)
- Protecting Teens from Drunk Driving (Insurance Information Insitute)
- Auto Insurance Learning Center (State Farm)
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.