Cheapest 2016 Jeep Cherokee Insurance Rates in 2023
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UPDATED: Dec 31, 2019
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Want better insurance rates for your Jeep Cherokee? Scraping up a payment for high-priced Jeep Cherokee insurance can dwindle your savings and force you to make tough financial choices. Doing a rate analysis is free and is an excellent way to lower your monthly bill.
There are many insurance companies to buy insurance from, and though it is a good thing to be able to choose, it makes it harder to adequately compare rates.
It’s a good habit to compare premium rates at least once a year since insurance prices change regularly. Despite the fact that you may have had the best quotes on Cherokee insurance six months ago other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to learn the proper way to lower your rates without sacrificing coverage.
The easiest way to compare car insurance company rates is to know the fact most of the larger companies participate in a system to quote your coverage. To start a quote, the only thing you need to do is spend a couple of minutes providing details like if you require a SR-22, whether you drive to work or school, if you have a valid license, and distance driven. That information is instantly provided to insurance companies and you get price estimates very quickly.
Find discounts to get cheap car insurance rates
Car insurance can cost a lot, but you may be missing some discounts that many consumers don’t even know exist. Most are applied when you quote, but some discounts are required to be specially asked for prior to receiving the credit.
- Online Discount – Some car insurance companies give back up to $50 just for signing your application on their website.
- Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may get savings as much as 30%.
- Auto/Life Discount – If the company offers life insurance, you could get a discounted rate on car insurance if you buy life insurance.
- Save with More Vehicles Insured – Buying insurance for multiple cars on a single policy qualifies for this discount.
- Discounts for Good Drivers – Safe drivers may receive a discount up to 45% on Cherokee insurance than drivers with accidents.
- Drivers Education – Have your child complete a driver education course in school.
- Anti-lock Brake Discount – Vehicles with ABS and/or traction control prevent accidents and will save you 10% or more.
- Membership in Organizations – Being a member of qualifying employment or professional organizations is a simple method to lower premiums on your policy.
- Defensive Driver Discounts – Completing a defensive driver class could cut 5% off your bill and make you a better driver.
A quick disclaimer, many deductions do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you could get a free car insurance policy, nobody gets a free ride. But any discount should help lower the cost of coverage.
A list of car insurance companies and their possible discounts include:
- State Farm may offer discounts for Drive Safe & Save, Steer Clear safe driver discount, student away at school, accident-free, anti-theft, and driver’s education.
- GEICO policyholders can earn discounts including seat belt use, emergency military deployment, good student, daytime running lights, air bags, military active duty, and anti-lock brakes.
- Progressive discounts include multi-policy, continuous coverage, homeowner, good student, online signing, and multi-vehicle.
- 21st Century has savings for good student, defensive driver, homeowners, automatic seat belts, 55 and older, air bags, and theft prevention.
- American Family offers discounts including good driver, accident-free, defensive driver, multi-vehicle, bundled insurance, good student, and Steer into Savings.
- The Hartford includes discounts for defensive driver, anti-theft, bundle, air bag, driver training, and good student.
- AAA has discounts for anti-theft, multi-policy, education and occupation, pay-in-full, AAA membership discount, multi-car, and good student.
When comparing rates, check with all the companies to apply every possible discount. Discounts may not apply to policies everywhere. To find insurers that offer multiple discounts, click here.
Tailor your auto insurance coverage to you
When choosing adequate coverage, there really is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For instance, these questions may help you determine if your insurance needs could use an agent’s help.
- Is rental equipment covered for theft or damage?
- Do I pay less for low miles?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Am I covered if I drive in a foreign country?
- Can I afford low physical damage deductibles?
- Should I buy more coverage than the required minimum liability coverage?
- Am I missing any policy discounts?
- Am I covered when pulling a rental trailer?
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If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Why informed consumers pay less for Jeep Cherokee insurance
Many factors are used in the calculation when you quote your car insurance policy. Some are pretty understandable such as your driving history, but other criteria are less obvious like your vehicle usage or your financial responsibility.It’s important that you understand some of the things that help calculate your policy premiums. When you know what positively or negatively determines premiums, this helps enable you to make changes that can earn you cheaper rates.
- Protect yourself with liability coverage – Liability insurance provides coverage when a court rules you are at fault for an accident. Liability insurance provides legal defense which can cost a lot. This coverage is relatively inexpensive compared to physical damage coverage, so insureds should have plenty of protection for their assets.
- Employer impacts insurance coverage rates – Did you know your career choice can influence rates? Jobs such as judgesairline pilots and financial analysts are shown to have the highest rates due to stressful work requirements and long work days. Conversely, occupations like farmers, students and performers get better rates on Cherokee insurance.
- Qualify for multi-policy discounts – Most larger companies allow discounts to people that buy multiple policies, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to compare other company rates to ensure the best deal.
- Cars with good safety ratings means cheaper premiums – Vehicles with good safety scores can get you lower premiums. The safest vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates.
- Careless driving leads to higher costs – Being a careful driver influences premium rates substantially. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Having just one chargeable violation can increase rates by as much as thirty percent. Drivers with serious citations such as DWI, reckless driving or hit and run convictions might be required by their state to submit a SR-22 form with their state in order to continue driving.
- Drive less and pay lower prices – Driving a lot of miles in a year’s time the higher your rates will be. A lot of insurance companies calculate rates based upon how the vehicle is primarily used. Cars left parked in the garage can get a lower rate than vehicles that have high annual mileage. Having an incorrect usage rating on your Cherokee is throwing money out the window. Double check that your insurance coverage policy is showing annual mileage.
Insurance coverage breakdown
Having a good grasp of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.
Comprehensive or Other Than Collision – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like falling objects, fire damage, damage from getting keyed, a broken windshield and hitting a deer. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like hitting a mailbox, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.
Liability coverage – This protects you from damage or injury you incur to other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged property.
Liability insurance covers claims like medical services, legal defense fees, funeral expenses and court costs. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.
UM/UIM Coverage – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for ambulance fees, chiropractic care and doctor visits. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Have money to burn
When getting car insurance quotes online, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at an affordable rate, not the least amount of coverage.
Cheap 2016 Jeep Cherokee insurance can be sourced on the web as well as from independent agents, so get free car insurance quotes from both of them to get a complete price analysis. Some companies do not offer internet price quotes and these small, regional companies only sell through independent insurance agents.
More detailed insurance information is located in these articles:
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Alcohol Impaired Driving FAQ (iihs.org)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
- Property Damage Coverage (Liberty Mutual)
- What is Gap Insurance? (Insurance Information Insitute)
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