2014 Jeep Cherokee Insurance Rates – 9 Tips for Best Quotes

Looking for better insurance rates for your Jeep Cherokee? Having to pay for pricey Jeep Cherokee insurance can diminish your budget and force you to prioritize other expenses. Vehicle owners have many insurers to buy insurance from, and although it’s a good thing to have multiple companies, more choices can make it harder to find the best rates for your vehicles.

Consumers should take time to price shop coverage occasionally because prices change quite often. Even if you got the best rates on Cherokee insurance on your last policy there is a good chance you can find better premium rates now. Block out anything you think you know about insurance because you’re about to learn the fastest way to save on insurance.

Don’t overlook these nine insurance discounts

Some companies don’t always advertise all disounts very clearly, so we took the time to find both well-publicized as well as some of the hidden discounts that you can inquire about if you buy insurance online.

  • ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Multi-policy Discount – If you have multiple policies and place coverage with the same company you could get a discount of 10% to 20% off each policy.
  • Distant College Student Discount – Youth drivers who are enrolled in higher education away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Federal Government Employee – Federal government employees can save as much as 8% on Cherokee insurance with select insurance companies.
  • Senior Citizen Rates – If you’re over the age of 55, you are able to get a small decrease in premiums on Cherokee insurance.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 20% or more.
  • Waiver for an Accident – This one isn’t a discount, but companies like Liberty Mutual, Allstate and State Farm may permit one accident without getting socked with a rate hike if your claims history is clear for a specific time period.
  • Pay Early and Save – By paying your entire bill at once instead of monthly or quarterly installments you could save up to 5%.
  • Good Students Pay Less – Excelling in school can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.

We need to note that many deductions do not apply to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of insurance companies with significant discounts, click here.

Finding insurance

Finding a better price on insurance is not a difficult process. Drivers just need to take a few minutes to compare free insurance quotes to see which company has affordable insurance quotes. You can get a good selection of rate quotes by following the guidelines below.

  • Probably the best way to find low rates is a comparison rater form click to view form in new window. This quick form keeps you from doing boring form submissions to each individual insurance company. One simple form gets you price quotes from insurance companies with the best prices.
  • A harder way to obtain and compare quotes online requires a trip to the website for every company you want to comare and fill out their own quote form. For sake of this example, we’ll assume you want to compare Farmers, GEICO and State Farm. To get each rate you have to spend time on each company’s site and repeatedly enter your information, which can take a lot of time. For a list of links to insurance companies in your area, click here.
  • The least efficient and most time consuming way to shop rates is to spend time driving to insurance agents’ offices. The fact that you can get quotes online has reduced the need for local agents unless you prefer the trained advice that can only be provided by a licensed insurance agent. However, consumers can compare online quotes but buy from a local insurance agent.

You can choose any of those ways to find more affodable coverage, but try to keep apples-to-apples coverage information on every quote you get. If you are comparing different coverage information you can’t possibly determine which company has the best rates.

When to get professional advice

When buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions may help you determine if your situation may require specific advice.

  • How much underlying liability do I need for an umbrella policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I insured when driving a different vehicle?
  • How do I buy GAP insurance?
  • Is my babysitter covered when using my vehicle?
  • Can I get a multi-policy discount?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Coverage specifics

Knowing the specifics of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as EMT expenses, nursing services, chiropractic care and doctor visits. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

UM/UIM Coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability auto insurance

This can cover injuries or damage you cause to other people or property. It protects YOU against other people’s claims. Liability 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. As an example, you may have liability limits of 25/50/25 which stand for $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 a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like funeral expenses, attorney fees, emergency aid, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision coverage will pay to fix damage to your Cherokee from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, backing into a parked car, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like falling objects, rock chips in glass, hail damage, hitting a bird and damage from flooding. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

In conclusion

When shopping online for auto insurance, it’s a bad idea to buy less coverage just to save a little money. In too many instances, someone dropped comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The goal is to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.

We just presented many tips how you can shop for 2014 Jeep Cherokee insurance online. The key concept to understand is the more rate quotes you have, the higher your chance of finding the cheapest insurance. Drivers may discover the biggest savings come from the least-expected company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and GEICO.

More detailed auto insurance information can be read in these articles: