2016 Jeep Cherokee Insurance Rates

Searching for budget insurance coverage can appear to be impossible for vehicle owners that are not comfortable with quoting and comparing prices over the internet. With such a big selection of agents and online companies, how can vehicle owners be able to compare every company in order to find the cheapest price possible?

It’s a good idea to compare premium rates occasionally since prices fluctuate regularly. Just because you found the best deal on Cherokee insurance a few years ago you can probably find a lower rate today. Block out anything you think you know about insurance coverage because you’re about to find out one of the best ways to reduce your cost while improving coverage.

Double check you’re getting these discounts

Insurance can be prohibitively expensive, but you can get discounts to help bring down the price. Some trigger automatically when you complete an application, but occassionally some discounts must be requested specifically prior to getting the savings.

• Safe Drivers – Accident-free drivers could pay up to 40% less on Cherokee insurance compared to accident prone drivers.
• ABS Braking Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and will save you 10% or more.
• Distant College Student Discount – Kids who live away from home at college and do not have a car may be able to be covered for less.
• Professional Memberships – Being a member of a civic or occupational organization is a simple method to lower premiums on your bill.
• Use Seat Belts – Forcing all vehicle occupants to buckle up before driving could cut 10% or more on the medical payments or PIP coverage costs.
• Student Discounts – Excelling in school can save 20 to 25%. Most companies allow this discount up to age 25.
• Discount for Multiple Policies – If you can combine your home and auto policy with one company you may earn up to 20% and get you cheaper auto insurance.
• Passive Restraints – Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.
• Lower Rates for Military – Having a family member in the military could mean lower premium rates.

You should keep in mind that some credits don’t apply the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. If you do the math and it seems like all those discounts means the company will pay you, that’s just not realistic. But any discount will cut the cost of your policy.

Insurance companies who may offer these money-saving discounts include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

It’s a good idea to ask all the companies to apply every possible discount. All car insurance discounts may not be available in your area.

Special considerations

When choosing coverage for your personal vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

For example, these questions may help you determine whether you may require specific advice.

• Do I benefit by insuring my home with the same company?
• Is a new car covered when I drive it off the dealer lot?
• Am I covered when driving a rental car?
• Am I covered if my car is in a flood?
• Do I really need UM/UIM coverage?
• Do I need replacement cost coverage?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.

Insurance specifics

Knowing the specifics of a insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Collision insurance

This will pay to fix damage to your Cherokee caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, hitting a parking meter, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses such as chiropractic care, EMT expenses, hospital visits, X-ray expenses and pain medications. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive or Other Than Collision

This coverage 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 coverage protects against things such as damage from a tornado or hurricane, falling objects, rock chips in glass and theft. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Cherokee.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Auto liability

This coverage will cover injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: 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 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as court costs, emergency aid, funeral expenses and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

A fool and his money are soon parted

Affordable 2016 Jeep Cherokee insurance can be sourced both online as well as from independent agents, so you need to quote auto insurance with both to have the best chance of lowering rates. Some insurance coverage companies may not have price quotes online and most of the time these regional insurance providers only sell coverage through local independent agents.

Throughout this article, we presented some good ideas how you can get a better price on 2016 Jeep Cherokee insurance. It’s most important to understand that the more times you quote, the higher your chance of finding cheaper auto insurance. You may even find the biggest savings come from an unexpected company.

When getting auto insurance quotes online, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped liability limits or collision coverage only to regret that it was a big mistake. The proper strategy is to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

Additional information

• How do I File a Claim? (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• Collision Insurance Coverage (Nationwide)
• Collision Coverage (Liberty Mutual)