2014 Jeep Cherokee Insurance Rates

Trying to find the cheapest insurance rates for your Jeep Cherokee? Tired of scraping the payment together each month for car insurance? You’re in the same situation as many other drivers.

Drivers have so many insurers to pick from, and although it’s nice to have multiple companies, so many choices can make it hard to compare rates.

Smart consumers take time to shop coverage around on a regular basis because prices fluctuate regularly. Despite the fact that you may have had the lowest price on Cherokee insurance last year you will most likely find a better rate today. You can find a lot of misleading information regarding insurance online but by reading this article, you’re going to learn some solid techniques on how to slash your insurance rates.

Buying car insurance is not that difficult. In a nutshell, everyone who is required by state law to have car insurance will more than likely be able to cut their insurance bill. But consumers can benefit from knowing the way insurance companies compete online.

Automobile Insurance Quotes

There are several ways to get quotes from local auto insurance companies. The fastest way to find the cheapest 2014 Jeep Cherokee insurance rates is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.

  • One of the best ways to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This type of form prevents you from having to do separate quotation requests for every auto insurance company. One form submission will return price quotes from all major companies.
  • Another way to analyze rates is to take the time to go to the website for each individual company to complete their respective quote request forms. For sake of this example, we’ll pretend you want rates from Liberty Mutual, State Farm and GMAC. To get each rate you have to go to every website to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, make sure you use exactly the same coverage limits for each comparison quote. If you use different limits and deductibles on each one it’s impossible to determine the lowest rate for your Jeep Cherokee. Quoting even small variations in limits can result in a big premium difference. Keep in mind that getting more free quotes will improve the odds of getting lower pricing.

Don’t be fooled by advertising claims

Allstate, GEICO and Progressive constantly bombard you with television and radio advertisements. All the companies say the same thing that you’ll save big if you switch to their company. How do they all make almost identical claims?

Insurance companies have a certain “appetite” for the driver that makes them money. A good example of a desirable insured might be profiled as between the ages of 30 and 50, has no prior claims, and has a short commute. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and as a result will probably save when they switch companies.

Potential insureds who don’t meet the “perfect” profile will be charged more money which usually ends up with business going elsewhere. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can make those claims. That is why you should get quotes from several different companies. It’s not possible to predict which insurance companies will have the lowest Jeep Cherokee insurance rates.

Policy discounts you shouldn’t miss

Companies do not list every discount very well, so we researched some of the more common and the harder-to-find ways to save on car insurance.

  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Drive Less and Save – Fewer annual miles on your Jeep can earn lower rates on the low mileage vehicles.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.

Car insurance companies that may offer these benefits include:

Before buying, ask every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered in your state.

Insurance agents can help

When choosing proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For example, these questions may help you determine whether you would benefit from an agent’s advice.

  • Why is insurance for a teen driver so high?
  • Is my teen driver covered when they drive my company car?
  • Should I sign the liability waiver when renting a car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need an umbrella policy?
  • When should I buy a commercial auto policy?
  • Can I afford to buy a different vehicle if my 2014 Jeep Cherokee is totaled?
  • How much liability coverage do I need in my state?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Learn about car insurance coverages for a Jeep Cherokee

Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from car insurance companies.

Collision coverage protection

This coverage covers damage to your Cherokee resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses such as chiropractic care, hospital visits and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Auto liability

This can cover damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like loss of income, court costs and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they 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 limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, vandalism, hail damage, hitting a deer and fire damage. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Better coverage you can count on

Cost effective 2014 Jeep Cherokee insurance is available online and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

We just covered a lot of tips how to reduce insurance prices online. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising. These companies often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

For more information, link through to the following helpful articles: