Cheapest 1999 Jeep Cherokee Insurance Rates in 2023
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UPDATED: Jun 2, 2023
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Tired of being strong-armed to insure your Jeep every month? You are in the same boat as many other consumers. Since consumers have many options when it comes to auto insurance, it is hard for the average consumer to pick the right insurance company.
It’s a good habit to shop coverage around every six months because rates trend upward over time. Just because you had the best deal for Cherokee insurance six months ago you will most likely find a better rate today. So just block out anything you think you know about auto insurance because you’re going to get a crash course in the best way to lower your annual insurance bill.
Complexity of Jeep Cherokee insurance rates
Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.
The list below includes a partial list of the pieces that factor into premiums.
- Extra add-on coverages are wasting money – There are a ton of extra coverages that can waste your money on your auto insurance policy. Insurance for rental car reimbursement, accident forgiveness and additional equipment coverage are some examples. These may sound like a good investment when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
- Traffic citations inflate rates – Even a single citation can bump up the cost forty percent or more. Drivers who don’t get tickets have lower premiums than their less careful counterparts. Drivers who get dangerous violations like DUI or reckless driving may be required to file a SR-22 with the DMV in their state in order to prevent a license revocation.
- Too many auto insurance claims drive up costs – Insurance companies provide better rates to drivers who are claim-free. If you file claims often, you can expect either higher rates or even cancellation. Car insurance is intended to be relied upon for larger claims.
- Do you work long hours in a high stress job? – Occupations like doctors, architects and financial analysts are shown to have higher average rates because of job stress and lengthy work days. Conversely, occupations like actors, engineers and retirees pay the least for Cherokee insurance.
- Older drivers pay less – More mature drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel. Teen drivers are statistically proven to get distracted easily when driving therefore auto insurance rates are much higher.
- Lower deductibles cost more – Your deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims would be running into the backend of another car, vandalism, or theft. The more you have to pay, the bigger discount you will receive for Cherokee insurance.
- Marriage brings a discount – Having a spouse helps lower the price on your policy. Having a spouse means you’re more mature than a single person and it’s proven that drivers who are married are more cautious.
- Never let your coverage lapse – Letting your insurance expire is a guaranteed way to bump up your auto insurance costs. Not only will you pay more, getting caught without coverage will get you a hefty fine and possibly a revoked license.
Companies offer discounts so take them!
Auto insurance companies don’t always advertise all available discounts in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known insurance coverage savings. If they aren’t giving you every credit possible, you are paying more than you should be.
- Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may earn up to 20% off your total premium.
- Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Cherokee insurance with a few insurance coverage companies.
- Life Insurance – Larger companies have better rates if you take out life insurance from them.
- Distant Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
- Sign Online – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
It’s important to understand that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, insurance coverage companies aren’t that generous.
Companies that may offer these benefits may include but are not limited to:
Double check with each company how you can save money. Some discounts might not apply in every state.
Do I just need basic coverages?
When choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions can aid in determining whether your personal situation might need professional guidance.
- Is a fancy paint job covered?
- How can I get high-risk coverage after a DUI?
- Will my rates increase for filing one claim?
- If I drive on a suspended license am I covered?
- Does coverage extend to my business vehicle?
- At what point should I drop full coverage?
- What is high-risk coverage and where do I buy it?
- Will filing a claim cost me more?
- Is pleasure use cheaper than using my 1999 Jeep Cherokee to commute?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.
Insurance coverages explained
Understanding the coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.
Auto collision coverage
Collision coverage will pay to fix damage to your Cherokee from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like crashing into a building, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.
Protection from uninsured/underinsured drivers
This coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1999 Jeep Cherokee.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.
Liability car insurance
This can cover damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers things such as bail bonds, structural damage, loss of income and legal defense fees. How much coverage you buy is your choice, but buy higher limits if possible.
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things such as rock chips in glass, vandalism and theft. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for nursing services, X-ray expenses and doctor visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible
Online plus local equals savings
As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your aim should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
We just presented a lot of information how to shop for 1999 Jeep Cherokee insurance online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the most savings is with an unexpected company. These smaller insurers may cover specific market segments cheaper than their larger competitors like GEICO and State Farm.
To learn more, take a look at the following helpful articles:
- State Car Insurance Guides (GEICO)
- How to Avoid Common Accidents (State Farm)
- Young Drivers: The High Risk Years Video (iihs.org)
- Prom Night Tips for Teen Drivers (State Farm)
- Speed and Speed Limit FAQ (iihs.org)
Frequently Asked Questions
How can I find the cheapest insurance for my 1999 Jeep Cherokee?
To find the cheapest insurance for your 1999 Jeep Cherokee, you can follow these steps:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Opt for higher deductibles: Choosing a higher deductible can lower your premium but remember that you will need to pay more out of pocket in case of a claim.
- Maintain a good driving record: Having a clean driving record with no accidents or traffic violations can help you secure lower insurance rates.
- Explore available discounts: Inquire about discounts such as multi-policy, safe driver, or low mileage discounts that may be applicable to your situation.
- Consider the coverage you need: Assess your insurance needs and choose coverage limits that are appropriate for your situation.
What factors can affect the cost of insurance for a 1999 Jeep Cherokee?
Several factors can influence the cost of insurance for a 1999 Jeep Cherokee, including:
- Location: Insurance rates can vary based on where you live due to factors like crime rates and population density.
- Driving history: A clean driving record will generally lead to lower insurance premiums.
- Age and gender: Younger drivers and male drivers typically face higher insurance rates.
- Vehicle usage: If you use your Jeep Cherokee for business purposes or have a long commute, it may affect your insurance rates.
- Deductible and coverage limits: Higher deductibles and lower coverage limits can lead to lower premiums, but you’ll have more out-of-pocket expenses in the event of a claim.
- Safety features: The presence of safety features like airbags, anti-lock brakes, and anti-theft devices may qualify you for discounts.
- Insurance history: If you have a history of insurance claims or gaps in coverage, it can impact your insurance rates.
Are older vehicles like the 1999 Jeep Cherokee cheaper to insure?
Generally, older vehicles like the 1999 Jeep Cherokee tend to have lower insurance premiums compared to newer models. This is primarily because older vehicles have a lower market value, making them less expensive to repair or replace in the event of a claim. However, insurance rates can still vary based on other factors such as the driver’s age, driving record, location, and the coverage options chosen.
Are there any specific discounts available for insuring a 1999 Jeep Cherokee?
Insurance providers may offer various discounts that could potentially apply to insuring a 1999 Jeep Cherokee. Some common discounts to inquire about include:
- Multi-policy discount: If you have multiple insurance policies, such as auto and home insurance, you may qualify for a discount by bundling them together with the same insurance provider.
- Safe driver discount: Maintaining a clean driving record, free from accidents or traffic violations, may make you eligible for a safe driver discount.
- Anti-theft discount: Equipping your 1999 Jeep Cherokee with an anti-theft device or alarm system could result in a discount on your insurance premium.
- Low mileage discount: If you don’t drive your vehicle frequently, you may be eligible for a discount based on the lower risk of accidents associated with lower mileage.
Should I choose the minimum insurance coverage for my 1999 Jeep Cherokee to save money?
While choosing minimum insurance coverage might save you money on premiums in the short term, it’s important to consider your specific needs and potential risks. Minimum coverage may not provide sufficient protection in case of an accident, theft, or other unexpected events. It’s generally recommended to evaluate your insurance needs carefully and consider factors like your driving habits, location, and the value of your vehicle. Discussing your requirements with an insurance agent can help you determine the appropriate coverage level for your 1999 Jeep Cherokee.
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