2017 Jeep Cherokee Insurance Quotes – 6 Savings Tips

Looking for lower insurance rates for your Jeep Cherokee? Did a good deal turn out to be high-priced insurance? It’s quite common and there are many people just like you. Consumers have multiple car insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, it can be more challenging to compare rates and find the lowest cost insurance.

It is always a good idea to compare prices yearly because insurance rates change frequently. Despite the fact that you may have had the best rate for Cherokee coverage last year you can probably find a better price now. Forget anything you know (or think you know) about insurance because you’re going to learn how to quote online to lower your annual insurance bill.

How to lower your car insurance cost

Finding low cost car insurance rates is actually easier than you may think. You just have to spend a little time comparing free auto insurance quotes to see which company has inexpensive auto insurance quotes. This can easily be done in just a few minutes using one of these methods.

• The most efficient way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do repetitive form submissions for each company you want a rate for. One quote request gets prices estimates from many national carriers.
• A less efficient way to obtain and compare quotes online consists of going to the website for every company you want to comare and get a separate price quote. For sake of this example, we’ll assume you need rates from Liberty Mutual, Safeco and Travelers. To get each rate you have to go to every website and enter your information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
• The hardest way to comparison shop rate quotes is to spend time driving to and from local insurance agencies. The ability to get quotes online can eliminate the need for a local agent unless you want the peace of mind that only an agent can give. You can, however, price shop your coverage online and get advice from an agent in your area.

You can choose any of those ways to find more affodable coverage, but be sure to compare the exact same coverages and limits for each price quote. If you have different data it will be next to impossible to determine which company has the best rates.

You may qualify for discounts

Car insurance is not cheap, but there may be some discounts that you may not know about. Some discounts apply automatically at quote time, but a few need to be specially asked for before you get the savings.

• Bundled Policy Discount – If you can bundle your auto and home insurance and insure them both with the same insurance company you will save 10% to 20% off each policy.
• Government Employees – Simply working for the federal government can earn a discount up to 10% for Cherokee coverage with select insurance companies.
• Senior Citizen Rates – If you’re over the age of 55, you may be able to get a slight reduction on a auto insurance quote for Cherokee coverage.
• Driver Training Discounts – Passing a defensive driver course can save you 5% or more if your company offers it.
• Distant Student – who attend college more than 100 miles from home and leave their car at home could qualify for this discount.
• Professional Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates on your next renewal.

As a sidenote, many deductions do not apply to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way.

Larger insurance coverage companies and a selection of discounts are included below.

• Farm Bureau offers discounts for driver training, 55 and retired, multi-policy, good student, renewal discount, and multi-vehicle.
• Liberty Mutual offers premium reductions for new vehicle discount, multi-car, good student, preferred payment discount, new graduate, exclusive group savings, and multi-policy.
• State Farm policyholders can earn discounts including safe vehicle, Drive Safe & Save, good driver, defensive driving training, anti-theft, multiple autos, and multiple policy.
• Auto-Owners Insurance includes discounts for paperless, student away at school, paid in full, safe driver, air bags, anti-theft, and company car.
• Geico may include discounts for good student, multi-vehicle, five-year accident-free, air bags, and membership and employees.
• SAFECO discounts include drive less, anti-lock brakes, safe driver, teen safety rewards, accident prevention training, and bundle discounts.

When getting a coverage quote, ask every insurance company how many discounts you can get. Some discounts may not be offered in your state.

There’s no such thing as the perfect car insurance policy

When it comes to buying coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For instance, these questions can help discover if your situation might need an agent’s assistance.

• Should I carry comprehensive and collision coverage?
• Why am I required to get a high-risk car insurance policy?
• Is a blown tire covered by insurance?
• Do I have any recourse if my insurance company denies a claim?
• What is an SR-22 filing?
• When should I remove comp and collision on my 2017 Jeep Cherokee?
• Does my insurance cover a custom paint job?
• Can I rent a car in Mexico?
• How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Detailed coverages of your car insurance policy

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on most car insurance policies.

Collision protection

Collision insurance covers damage to your Cherokee from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like backing into a parked car, colliding with another moving vehicle, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills like prosthetic devices, funeral costs and surgery. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive car insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from flooding, rock chips in glass, damage from a tornado or hurricane and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability

This coverage provides protection from injuries or damage you cause to people or other property in an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as structural damage, medical expenses, repair bills for other people’s vehicles, loss of income and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Buy online or local, you save

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your goal is to find the BEST coverage for the lowest price, but do not skimp to save money.

Throughout this article, we presented a lot of information how to get a better price on 2017 Jeep Cherokee insurance. The most important thing to understand is the more times you quote, the higher your chance of finding cheap auto insurance. You may even discover the biggest savings come from a smaller regional carrier. They may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

To read more, link through to these articles:

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)