How Much Does 2018 Jeep Cherokee Car Insurance Cost?

Trying to find the cheapest insurance rates for your Jeep Cherokee? Are you drained from scraping the payment together each month for insurance? You are no different than many other drivers.

Due to the fact that there are so many insurance companies to choose from, it can be challenging to find the right insurance provider.

How to compare free car insurance price quotes

Comparing car insurance rates can be a daunting task if you don’t know the most efficient way. You can spend countless hours talking to local insurance agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Many companies participate in an industry program where prospective buyers send in one quote, and each company can give them a price based on that data. This system prevents you from having to do form submissions to every company.

To access this free quoting program, click here (opens in new window).

The only drawback to doing it this way is buyers cannot specifically choose which companies to receive prices from. So if you want to select from a list of companies to compare rates, we have a listing of low cost car insurance companies in your area. Click here to view list.

Whichever method you choose, make absolute certain that you use exactly the same coverages on every price quote you get. If you have higher or lower deductibles you can’t possibly decipher which rate is best. Slightly different coverages could mean much higher rates. Just remember that comparing more rates from different companies increases your odds of finding the best offered rates. Some smaller insurers to not give online rate quotes, so you should also compare price estimates from those companies as well.

Discount auto insurance rates

Insuring your vehicles can cost a lot, but there could be significant discounts that you may not know about. Some trigger automatically at the time of quoting, but a few must be specially asked for prior to getting the savings.

No Claims – Good drivers with no accidents are rewarded with significantly better rates on insurance quote as compared to drivers with a long claim history.
Telematics Discount – Policyholders that allow driving data submission to study driving habits by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates as long as they are good drivers.
Discounts for Federal Employees – Federal government employees could cut as much as 10% off for Cherokee insurance with select insurance companies.
Homeowners Savings – Just being a homeowner can help you save on auto insurance since home ownership demonstrates responsibility.
Responsible Driver Discount – Drivers who avoid accidents may save up to 50% more for Cherokee insurance compared to rates paid by drivers with frequent claims.
Student in College – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not take a car to college can be insured at a reduced rate.
Accident Forgiveness – Not really a discount, but a handful of insurance companies may permit one accident before raising your premiums if you have no claims for a specific time period.

Keep in mind that some credits don’t apply to the entire cost. Most cut individual premiums such as medical payments or collision. So when it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

A list of auto insurance companies and a partial list of their discounts are detailed below.

State Farm policyholders can earn discounts including student away at school, Steer Clear safe driver discount, driver’s education, good driver, accident-free, and multiple policy.
American Family may include discounts for multi-vehicle, bundled insurance, good driver, accident-free, good student, and mySafetyValet.
GEICO includes discounts for driver training, military active duty, daytime running lights, federal employee, air bags, and anti-lock brakes.
21st Century offers premium reductions for anti-lock brakes, air bags, 55 and older, good student, and student driver.
Progressive has discounts for continuous coverage, online signing, online quote discount, multi-vehicle, homeowner, and good student.

When getting free insurance quotes, it’s a good idea to all companies you are considering how many discounts you can get. Some credits might not be available to policyholders in your state. To choose auto insurance companies who offer free auto insurance quotes, click this link.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance should reflect that For instance, these questions can help discover if your situation could use an agent’s help.

Do I need PIP (personal injury protection) coverage in my state?
Am I better off with higher deductibles on my 2018 Jeep Cherokee?
How can I get high-risk coverage after a DUI?
What is high-risk coverage and where do I buy it?
Am I covered when using my vehicle for business?
Should I file a claim if it’s only slightly more than my deductible?
Am I covered when pulling a rental trailer?
I have good health insurance, so how much medical payments coverage do I need?
Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Car insurance coverage options for a 2018 Jeep Cherokee

Learning about specific coverages of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from car insurance companies.

Comprehensive or Other Than Collision

This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hail damage, fire damage, theft, rock chips in glass and a broken windshield. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills for doctor visits, rehabilitation expenses, ambulance fees and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

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

Collision can pay for claims such as backing into a parked car, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Liability

This will cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

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 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things like bail bonds, emergency aid, medical expenses, loss of income and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.