2000 Jeep Cherokee Insurance Quotes

Want cheaper car insurance rates for your Jeep Cherokee? I really doubt anyone enjoys paying for car insurance, especially when they could find better prices if they shop around.

You have so many car insurance companies to buy insurance from, and though it is a good thing to have a selection, it can be more challenging to get the best deal.

You should make it a habit to get comparison quotes periodically because rates trend upward over time. Just because you found the best deal on Cherokee insurance six months ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to one of the best ways to find better coverage at a better price.

Compare insurance coverage quotes online

Shopping for lower insurance coverage rates can be challenging if you don’t understand the most efficient way to do it. You can waste hours talking about coverages with agents in your area, or you could save time and use the web to get pricing more quickly.

Most major companies participate in an industry program where prospective buyers submit their information once, and every company provides a quote determined by their information. This eliminates the need for repetitive form submissions to each individual insurance coverage company.

To find out how much you can save on insurance coverage click here (opens in new window).

The one disadvantage to using this type of form is you don’t know exactly which carriers you want to price. So if you prefer to pick specific insurance companies to request quotes from, we have a listing of low cost insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but do your best to use apples-to-apples information for each quote you get. If your comparisons have differing limits it will be impossible to truly determine the lowest rate. Just a small difference in limits may cause a big price difference. It’s important to know that comparing a wide range of rates helps locate a lower rate. Not every company allows you to get rate quotes online, so you also need to get rates from those companies as well.

Slick advertising tricks that work

Respected companies like GEICO, State Farm and Progressive seem to constantly run ads in print and on television. They all seem to make the point that you’ll save big if you change your coverage to them. How is it plausible that every one can claim to save you money? It’s all in the wording.

Insurance providers can use profiling for a prospective insured that earns them a profit. For instance, this type of insured could be between the ages of 40 and 55, is a homeowner, and chooses high deductibles. Any customer that meets those criteria may get the lowest car insurance rates and will save quite a bit of money when switching.

Consumers who fall outside these stringent criteria will get higher rates with the end result being the customer buying from a different company. The trick companies use is to say “people that switch” not “everybody who quotes” save that much when switching. That is how companies can make claims that they all have the best prices.

This really drives home the point why you absolutely need to get insurance quotes as often as possible. It is impossible to guess which auto insurance company will provide you with the cheapest premium rates.

Why your insurance rates might be higher

When buying car insurance it’s important to understand some of the things that help calculate the price you pay for car insurance. If you know what determines base rates, this enables you to make decisions that will entitle you to big savings. Multiple criteria are used in the calculation when pricing auto insurance. Most are fairly basic like your driving record, although others are less apparent such as your marital status and annual miles driven.

The list below includes some of the most common factors used by companies to determine prices.

  • Filing insurance claims can cost you more – If you frequently file small claims, you can look forward to either higher rates or even cancellation. Insurance companies award better rates to insureds who do not file claims often. Auto insurance is designed for major claims that would cause financial hardship.
  • Are you male or female? – Statistics demonstrate that females take fewer risks when driving. Now that doesn’t mean females are better drivers. Males and females tend to get into accidents at a similar rate, but the males get into accidents with more damage. Not only that, but men also have more aggressive citations such as reckless driving.
  • Pay more out-of-pocket – Deductibles for physical damage tell how much you are required to spend before your car insurance pays a claim. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered would be rearending another vehicle, fire damage, or theft of your vehicle. The more expense the insured is willing to pay, the bigger discount you will receive on Cherokee insurance.
  • Put fewer miles on your vehicle – Driving a lot of miles in a year the more you will pay for car insurance. A lot of insurance companies price each vehicle’s coverage based upon how much you drive. Autos that have low annual miles receive lower rates than cars that get driven a lot. Ask your agent if your car insurance coverage is showing annual mileage. Incorrect rating for your Cherokee can result in significantly higher rates.
  • Youthful drivers cost more – Older drivers tend to be more responsible, cause fewer claims and accidents , and are generally more financially stable.Drivers with little experience are proven to get distracted easily in a vehicle therefore car insurance rates are much higher.
  • Better premiums for no policy lapses – Allowing your car insurance policy to lapse will be a guaranteed way to drive up your policy premiums. And not only will insurance be more expensive, getting caught without coverage may result in a fine, jail time, or a revoked license. You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Can a thief steal your car? – Selecting a car model that has an advanced theft prevention system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent car theft and help bring rates down.

Insurance policy discounts you can’t miss

Car insurance is not cheap, but there may be some discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you quote, but a few need to be inquired about before you get the savings.

  • Telematics Data – Insureds who allow data collection to look at driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates as long as they are good drivers.
  • Auto/Home Discount – When you combine your home and auto insurance and insure them with the same company you will save at least 10% off all policies.
  • Payment Method – By making one initial payment rather than spreading payments over time you can avoid monthly service charges.
  • Discounts for New Vehicles – Putting insurance coverage on a new car can get you a discount compared to insuring an older model.
  • Multi-line Discount – Insurance companies who offer life insurance give a lower premium rate if you buy life insurance.

Don’t be surprised that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A list of companies and a selection of discounts include:

  • Travelers has discounts for hybrid/electric vehicle, home ownership, multi-policy, continuous insurance, multi-car, early quote, and student away at school.
  • 21st Century may include discounts for air bags, anti-lock brakes, theft prevention, defensive driver, driver training, early bird, and automatic seat belts.
  • State Farm policyholders can earn discounts including good student, good driver, accident-free, passive restraint, and safe vehicle.
  • GEICO may have discounts that include anti-theft, driver training, military active duty, multi-vehicle, five-year accident-free, membership and employees, and anti-lock brakes.
  • SAFECO may offer discounts for anti-lock brakes, accident prevention training, safe driver, multi-car, anti-theft, and teen safe driver.
  • AAA has savings for good student, pay-in-full, education and occupation, multi-car, good driver, and AAA membership discount.

Before purchasing a policy, check with each company or agent how you can save money. Some of the discounts discussed earlier might not be offered in your area. To find companies that offer multiple discounts, follow this link.

Insurance agents can help

When it comes to buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions might point out if your situation would benefit from an agent’s advice.

  • Will filing a claim cost me more?
  • Is my dog or cat covered if injured in an accident?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need higher collision deductibles?
  • How do I buy GAP insurance?
  • What if I total my 2000 Jeep Cherokee and owe more than it’s worth?
  • Why do I need rental car insurance?
  • Do I need roadside assistance coverage?
  • Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Coverages available on your auto insurance policy

Knowing the specifics of a auto insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most auto insurance policies.

Auto collision coverage

Collision insurance will pay to fix damage to your Cherokee from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as backing into a parked car, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills for things like nursing services, funeral costs and dental work. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability car insurance

This coverage provides protection from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things like legal defense fees, bail bonds, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, damage from a tornado or hurricane, a tree branch falling on your vehicle, vandalism and damage from flooding. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Stretch your dollar

We just covered a lot of tips how to reduce 2000 Jeep Cherokee insurance rates online. The key thing to remember is the more you quote insurance, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from some of the smallest insurance companies. Smaller companies may only write in your state and offer lower car insurance rates than their larger competitors like Progressive and GEICO.

When buying insurance coverage, never sacrifice coverage to reduce premiums. In too many instances, an insured dropped uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.

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