2014 Jeep Cherokee Insurance Cost – 6 Tips for Cheaper Prices

Want lower insurance coverage rates for your Jeep Cherokee? Wish you could get a refund on an expensive insurance coverage policy? Don’t feel bad because you’re not alone. Consumers have so many auto insurance companies to purchase coverage from, and although it’s nice to have a selection, too many choices makes it more difficult to get the best deal.

It’s smart to price shop coverage on a regular basis because rates change quite often. Despite the fact that you may have had the lowest premium rates on Cherokee coverage on your last policy you may be paying too much now. There are lots of tips to save on insurance coverage online, but you can learn some solid techniques on how to find affordable insurance coverage.

Buying car insurance is not rocket science. If you have insurance now or need a new policy, you can use these tips to cut your premiums while maximizing coverage. Vehicle owners just need to understand the most effective way to shop their coverage around over the internet.

Six discounts for lower-cost car insurance quotes

Buying car insurance is not cheap, but you might find some hidden discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be asked about prior to getting the savings.

  • Policy Bundle Discount – If you have multiple policies and place coverage with the same company you could save approximately 10% to 15%.
  • E-sign Discounts</strong – A few larger online companies give back up to $50 get auto insurance on their website.
  • Student Discounts – This discount may save as much as 25% on a auto insurance quote. Earning this discount can benefit you up until you turn 25.
  • Distant Student Discount – Kids who are enrolled in higher education away from home and do not have access to a covered vehicle may qualify for this discount.
  • Homeowners Pay Less – Being a homeowner can save you money since owning and maintaining a home requires personal responsibility.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out life insurance from them.

One last thing about discounts, some credits don’t apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, you won’t be that lucky. But all discounts should help reduce your overall premium however.

Popular car insurance companies and a summarized list of policyholder discounts are detailed below.

  • Progressive has discounts for multi-vehicle, online quote discount, homeowner, multi-policy, online signing, and continuous coverage.
  • SAFECO offers premium reductions for accident prevention training, bundle discounts, teen safe driver, anti-lock brakes, drive less, and multi-car.
  • American Family discounts include bundled insurance, early bird, air bags, TimeAway discount, accident-free, good student, and multi-vehicle.
  • MetLife offers discounts including claim-free, accident-free, good student, multi-policy, defensive driver, and good driver.
  • Geico may offer discounts for anti-lock brakes, daytime running lights, five-year accident-free, defensive driver, military active duty, and seat belt use.
  • The Hartford may have discounts that include good student, air bag, driver training, defensive driver, vehicle fuel type, anti-theft, and bundle.

If you want the cheapest auto insurance quotes, ask every company to apply every possible discount. Some of the discounts discussed earlier might not apply everywhere. To find companies with the best discounts, click here.

You may need specialized insurance coverage

When choosing proper insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs may require specific advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Does coverage extend to my business vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • How does medical payments coverage work?
  • When would I need additional glass coverage?
  • Is there coverage for injuries to my pets?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and may give you better protection.

Car insurance coverage considerations

Understanding the coverages of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages offered by car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Jeep Cherokee.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, damage from a tornado or hurricane, fire damage and falling objects. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance

This provides protection from damage or injury you incur to people or other property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as attorney fees, repair costs for stationary objects, court costs and emergency aid. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses for hospital visits, X-ray expenses, nursing services and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision coverage protection

This coverage covers damage to your Cherokee resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, crashing into a building, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

In the end, you save

We covered many ideas to compare 2014 Jeep Cherokee insurance rates online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding cheaper auto insurance. You may even discover the best price on insurance coverage is with an unexpected company. They may only write in your state and offer lower car insurance rates as compared to the big name companies such as State Farm and Allstate.

More affordable insurance coverage can be sourced on the web as well as from insurance agents, so you need to shop auto insurance with both to have the best selection. A few companies do not provide rate quotes online and most of the time these regional carriers work with independent agents.

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

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Comments About 2014 Jeep Cherokee Insurance

  1. Pia Payne

    If you have a clean record and live in the vicinity of Charlotte, NC, check out GEICO. You might save some money. Was with Sentry. Even increased my liability limits. I quoted rates online then called them.

  2. Dominick Thornton

    I’m looking for cheaper coverage. Lifelong resident of Philadelphia, PA. I quoted with GMAC, AIG Insurance, Nationwide, and a couple others for my Cherokee and saved just over $490 a year. Bought it from an online quote.