2019 Jeep Cherokee Car Insurance Cost

Want better car insurance rates for your Jeep Cherokee? Locating the most affordable car insurance may seem to be somewhat intimidating for beginners to shopping for insurance on the internet. With so many insurance agents and insurers to choose from, how are drivers able to effectively compare the different rates to find the best available rates?

Smart consumers take time to get comparison quotes yearly because car insurance prices change frequently. If you had the best rates for Cherokee coverage two years ago a different company probably has better rate quotes today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the things you must know in order to eliminate unnecessary coverages and save money.

How to lower your insurance coverage cost

All the larger insurance coverage companies such as 21st Century, Allstate and State Farm allow consumers to get coverage price quotes direct online. Doing online quotes is possible for anyone as all you need to do is type in the amount of coverage you want as detailed in the form. When the form is submitted, the system obtains reports for credit and driving violations and returns a price quote determined by many factors.

Being able to quote online makes it easy to compare insurance prices but the time required to go to each company’s website and repetitively complete many quote forms can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible if you want to get a better rate.

A less time-consuming method to get multiple rate quotes makes use of a single form that analyzes rates from more than one company. This type of form saves time, helps eliminate reptitive entry, and makes online shopping much easier. Immediately after you send the form, it is rated and you can choose any of the quotes that you receive. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. It can be completed in a matter of minutes and you’ll know if lower rates are available.

In order to find out how much you’re overpaying now, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you copy your coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will get a rate comparison for exact coverage.

Auto insurance discounts help lower rates

Auto insurance companies don’t necessarily list every discount they offer very clearly, so below is a list a few of the more well known as well as some of the hidden discounts that you can inquire about if you buy insurance coverage online.

  • Paperless Signup – A handful of larger companies will provide an incentive for buying a policy and signing up digitally online.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it will make them better drivers and lower rates.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
  • Early Renewal Discounts – Some companies give discounts for switching companies prior to the expiration date on your current policy. You may see this discount when you get insurance coverage quotes online.
  • Theft Deterent – Vehicles that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Bundled Policy Discount – When you combine your auto and homeowners insurance with one company they may give you a discount of approximately 10% to 15%.
  • Active Service Discounts – Having a family member in the military may lower your auto insurance rates slightly.
  • Organization Discounts – Belonging to a professional or civic organization is a good way to get lower rates when getting a insurance coverage quote.
  • Distant College Student Discount – Kids who live away from home to go to college and don’t have a car can receive lower rates.

A quick disclaimer, many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. Despite the fact that it seems like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

A few popular companies and their offered discounts can be read below.

  • State Farm may have discounts that include multiple autos, anti-theft, Steer Clear safe driver discount, passive restraint, good student, good driver, and safe vehicle.
  • Esurance includes discounts for Pac-12 alumni, emergency road assistance, claim free, good student, anti-theft, and homeowner.
  • Progressive may offer discounts for online quote discount, continuous coverage, online signing, homeowner, multi-vehicle, multi-policy, and good student.
  • Liberty Mutual offers discounts including newly retired, newly married, preferred payment discount, multi-policy, and multi-car.
  • Auto-Owners Insurance may include discounts for anti-theft, paid in full, multiple vehicles, safe vehicle, mature driver, paperless, and good student.
  • GEICO offers discounts for driver training, daytime running lights, good student, multi-vehicle, federal employee, membership and employees, and anti-theft.

If you want the cheapest insurance coverage quotes, ask each insurance company how many discounts you can get. Depending on the company, some discounts may not be available in your area. For a list of companies that offer the discounts shown above, click this link.

Which is the best car insurance?

When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining if your insurance needs might need professional guidance.

  • Am I covered when using my vehicle for business?
  • Do I have coverage when using my vehicle for my home business?
  • Am I insured when driving a different vehicle?
  • Can my teen drive my company car?
  • Does my insurance cover my expensive audio equipment?
  • Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverage considerations

Knowing the specifics of your insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverages

Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like repair costs for stationary objects, attorney fees and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Jeep Cherokee.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, damage from getting keyed and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage pays for damage to your Cherokee caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, backing into a parked car, driving through your garage door, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses for dental work, chiropractic care and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comments About 2019 Jeep Cherokee Insurance

  1. Clarita Heath

    I think 21st Century has low rates in Indiana. For me anyway.

  2. James Sargent

    From Charlotte, NC. Don’t remember every company but I ended up saving about $20 each month. Insured with Hartford before.

  3. Kerry House

    21st Century is cheapest in New Hampshire! :)

  4. Eden Meyer

    Great site. I live in Green Bay, Wisconsin. Quoted quotes with 21st Century, Amica, and some I forget for my 2019 Jeep Cherokee and saved $384 a year. Insured with USAA before. Not sure if rates are cheaper online or not.