Save on 2000 Jeep Cherokee Car Insurance Rates

Finding the cheapest insurance for a new or used Jeep Cherokee can normally be difficult, but you can use the following methods to find lower rates. There is a better way to find insurance coverage online and we’ll show you the absolute fastest way to price shop coverage on a Jeep and locate the cheapest rates from local insurance agents and online providers.

Insurance Coverage Discounts

Companies don’t necessarily list every discount in an easy-to-find place, so below is a list some of the more common as well as some of the hidden ways to save on insurance coverage.

• First Accident Forgiveness – Not really a discount, but certain companies allow you one accident before hitting you with a surcharge if your claims history is clear before the accident.
• Defensive Driver Discount – Taking part in a course teaching defensive driving skills may get you a small discount and easily recoup the cost of the course.
• Sign Online – A few larger online companies give back up to $50 for buying your policy on the internet.
• Good Driver Discounts – Drivers who avoid accidents may save up to 50% more on Cherokee coverage than less cautious drivers.
• Clubs and Organizations – Belonging to a qualifying organization could qualify you for a break on your next insurance coverage statement.
• Bundle and Save – If you insure your home and vehicles with the same insurance company you may earn over 10 percent off each policy depending on the company.
• Discount for Life Insurance – Some companies give better premium rates if you take out some life insurance in addition to your auto policy.
• Data Collection Discounts – Drivers who elect to allow companies to spy on their driving habits remotely like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they show good driving skills.
• College Student – Older children who attend college more than 100 miles from home and leave their car at home may be insured at a cheaper rate.
• Discount for Low Mileage – Low mileage vehicles can earn better insurance coveragerates on cars that stay parked.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, you won’t be that lucky.

Popular insurance coverage companies and a partial list of their discounts are included below.

• Travelers policyholders can earn discounts including good student, multi-car, multi-policy, continuous insurance, save driver, and student away at school.
• 21st Century offers discounts for automatic seat belts, teen driver, defensive driver, theft prevention, driver training, and student driver.
• State Farm may include discounts for anti-theft, passive restraint, safe vehicle, multiple autos, multiple policy, Drive Safe & Save, and Steer Clear safe driver discount.
• Geico has discounts for driver training, daytime running lights, membership and employees, anti-lock brakes, anti-theft, and defensive driver.
• SAFECO discounts include teen safety rewards, bundle discounts, accident prevention training, drive less, and teen safe driver.
• AAA has savings for multi-car, education and occupation, good student, anti-theft, good driver, and multi-policy.

If you want the cheapest insurance coverage quotes, ask each company which discounts can lower your rates. Some credits might not be available to policyholders in your area. To see insurers that offer the discounts shown above, click here to view.

Quote Jeep Cherokee insurance for less

It’s important that you understand a few of the rating criteria that go into determining your premiums. When consumers understand what impacts premium levels, this helps enable you to make changes that could result in lower premium levels. Many different elements are used when you get a price on insurance. Some factors are common sense like your driving record, although others are not quite as obvious such as your credit history or how financially stable you are.

• Insurance coverage rates and your employer – Careers such as real estate brokersairline pilots and stock brokers have the highest rates due to intense work requirements and extremely grueling work hours. On the flip side, professions such as scientists, historians and performers get better rates on Cherokee coverage.
• Marriage is a factor – Walking down the aisle can get you a discount on your policy. Having a spouse generally demonstrates drivers are more responsible and statistics prove married drivers tend to file fewer claims.
• Add-on coverages you don’t use – Insurance companies have many add-on coverages that may not really be needed if you don’t pay attention. Coverages like personal injury protection, high-cost glass coverage, and extra life insurance coverage are probably not needed. They may seem good when you first buy your policy, but if you don’t need them get rid of them and save.
• Bad drivers pay high costs – Drivers with clean records get better prices than bad drivers. Having just one speeding ticket could increase your next policy renewal to the point where it’s not affordable. Drivers with serious violations such as DUI or reckless driving may find they need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
• Urban areas may pay more – Living in a small town is a good thing when talking about insurance coverage. Lower population translates into fewer accidents as well as less vandalism and auto theft. Drivers in populated areas have more traffic problems and longer commutes to work. More time commuting means more chances of being involved in an auto accident.
• Liability protection is important – The liability coverage on your policy is the coverage that protects you if you are determined to be liable for causing damage or personal injury in an accident. It provides you with a defense in court which can be incredibly expensive. It is affordable coverage as compared to coverage for physical damage, so drivers should carry high limits.
• Mature drivers pay less – Inexperience drivers tend to be more careless when behind the wheel so they pay higher insurance coverage rates. Mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents and tend to be get fewer driving tickets.
• Insurance companies don’t like frequent claims – Car insurance companies generally give the lowest premiums to people that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can look forward to either higher rates or even cancellation. Your insurance policy is intended for larger claims.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions could help you determine if your insurance needs could use an agent’s help.

• I have a DUI can I still get coverage?
• Is other people’s property covered if stolen from my vehicle?
• What discounts do I qualify for?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Should I rate my 2000 Jeep Cherokee as pleasure use or commute?
• Can my teen drive my company car?
• Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Insurance coverage breakdown

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for expenses such as prosthetic devices, chiropractic care, nursing services and doctor visits. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, damage from flooding, falling objects, a tree branch falling on your vehicle and hitting a bird. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your 2000 Jeep Cherokee.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability – Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

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 values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as attorney fees, funeral expenses, pain and suffering and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – Collision insurance pays for damage to your Cherokee from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Be a penny pincher

In this article, we covered a lot of tips how to reduce 2000 Jeep Cherokee insurance prices online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding cheaper insurance coverage. You may even find the lowest prices come from some of the lesser-known companies.

Some car insurance companies may not have online price quotes and most of the time these regional insurance providers only sell through local independent agents. Affordable 2000 Jeep Cherokee insurance can be found online in addition to local insurance agencies, so you should compare both to have the best selection.

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase plenty of coverage at the best price and still be able to protect your assets.

Even more information can be read at these sites:

• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• What is Covered by GAP Insurance? (Allstate)
• Vehicle Insurance in the U.S. (Wikipedia)
• Event Data Recorders FAQ (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)