View 2020 Jeep Cherokee Car Insurance Quotes in 2024

Being forced to pay for pricey auto insurance premiums can dry up your accounts and require stricter spending habits. Doing a rate comparison can be a smart way to lower your monthly bill.

Lots of car insurance companies contend to insure your vehicles, so it can be very hard to choose a provider and get the definite lowest cost out there.

Consumers need to compare prices on a regular basis because auto insurance prices change frequently. Even if you think you had the best rates for Cherokee coverage a couple years back you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re going to learn the best methods to find lower rates on auto insurance.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using these tips. Finding affordable coverage is not that difficult. But vehicle owners can benefit by having an understanding of the way companies price online insurance because it can help you find the best coverage.

Don’t miss these discounts

Insurance can cost an arm and a leg, but you might be missing out on some discounts that could drop your premiums quite a bit. Most are applied at the time of purchase, but once in a while a discount must be specially asked for before you will receive the discount. If they aren’t giving you every credit you deserve, you could be saving more on your insurance.

• Defensive Driving Course – Participating in a class that teaches defensive driver techniques could cut 5% off your bill and also improve your driving technique.
• Senior Citizen Rates – Mature drivers can possibly qualify for a small discount on rates for Cherokee coverage.
• Sign Early and Save – A few companies give discounts for switching companies before your current policy expires. It can save you around 10%.
• Professional Memberships – Having an affiliation with certain professional organizations is a good way to get lower rates on your bill.
• Government Employee Discount – Employees or retirees of the government could provide a small rate reduction for Cherokee coverage with a few insurance companies.
• Claim-Free Discount – Claim-free drivers have much lower rates in comparison to frequent claim filers.
• Save with a New Car – Buying a new car model can get you a discount compared to insuring an older model.
• Driver’s Education for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class if offered at their school.

Drivers should understand that most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, it’s just not the way it works.

A list of insurance companies and their possible discounts are outlined below.

• State Farm includes discounts for anti-theft, multiple policy, passive restraint, good student, and accident-free.
• Liberty Mutual has savings for new vehicle discount, preferred payment discount, hybrid vehicle, good student, teen driver discount, and multi-policy.
• American Family may have discounts that include early bird, air bags, mySafetyValet, good driver, and Steer into Savings.
• Progressive offers discounts including multi-policy, good student, continuous coverage, multi-vehicle, and homeowner.
• Farmers Insurance discounts include alternative fuel, early shopping, pay in full, teen driver, youthful driver, and bundle discounts.
• Auto-Owners Insurance policyholders can earn discounts including paid in full, multi-policy, student away at school, mature driver, good student, teen driver, and paperless.
• SAFECO offers premium reductions for teen safety rewards, multi-car, drive less, safe driver, anti-lock brakes, bundle discounts, and homeowner.

If you need cheaper auto insurance quotes, ask each company the best way to save money. Some discounts might not apply everywhere. If you would like to choose from a list of insurers who offer cheap insurance quotes, enter your zip code here.

Lower your insurance rates

It’s important that you understand a few of the rating criteria that help calculate your auto insurance rates. When consumers understand what influences your rates, this allows you to make good choices that may result in better auto insurance rates.

The factors shown below are some of the factors used by companies to determine premiums.

• Never have auto insurance policy lapses – Having an insurance coverage lapse is a fast way to drive up your policy premiums. And not only will your rates increase, failure to provide proof of insurance will get you fines and jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
• More stress means more cost – Did you know your occupation can influence how much you pay for auto insurance? Occupations like real estate brokers, executives and dentists have the highest average rates due to intense work requirements and lengthy work days. On the other hand, professions such as professors, students and the unemployed generally pay rates lower than average for Cherokee coverage.
• High claims frequency drives up premiums – Auto insurance companies provide the lowest premiums to drivers who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on much higher rates or policy non-renewal. Your car insurance is designed for more catestrophic claims.
• Prevent your car from being stolen – Buying a car with a theft deterrent system can help bring down rates. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
• Being married can save on auto insurance – Getting married can get you a discount on your auto insurance policy. Marriage is viewed as being less irresponsible and insurance companies reward insureds because drivers who are married are more cautious.
• Men drivers tend to cost more – Statistics demonstrate females are less aggressive when driving. Now that doesn’t mean women are BETTER drivers than men. Women and men tend to get into at-fault accidents in similar numbers, but men cause more damage. Not only that, but men also get cited for more serious violations like DWI (DUI) or reckless driving. Young males cause the most accidents and therefore are the most expensive to insure.
• Lower premiums for safer cars – Safe vehicles can get you lower premiums. Highly rated vehicles result in less severe injuries and fewer serious injuries means less claims paid and thus lower rates. If the Jeep Cherokee is rated at a minimum four stars on Safercar.gov it may cost less to insure.
• Avoid traffic tickets – Getting just one speeding ticket or other violation may cause rates to rise twenty percent or more. Drivers who don’t get tickets receive lower rates compared to bad drivers. Drivers who have gotten serious citations such as DWI, reckless driving or hit and run convictions might be required by their state to submit a SR-22 or proof of financial responsibility with their state in order to drive a vehicle legally.

Special considerations

When it comes to buying proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

• What if I owe more than I can insure my car for?
• Can I make deliveries for my home business?
• Which is better, split liability limits or combined limits?
• Can I afford to pay high deductible claims out of pocket?
• What is an SR-22 filing?
• Why does it cost so much to insure a teen driver?
• Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code.

Is there truth in advertising?

Companies like Allstate and Progressive consistently run television and radio advertisements. They all seem to convey the message that you’ll save big if you switch to their company. It sounds good, but how can they all charge you a lower premium? This is the trick they use.

All companies have an ideal profile for the type of driver that earns them the highest profit. A good example of a profitable risk profile might be over the age of 40, insures multiple vehicles, and does not commute to work. Any person that matches those criteria receive the lowest rate quotes and will save some money.

Insureds who don’t qualify for the requirements may be forced to pay more expensive rates which usually ends up with business not being written. If you pay attention, the ads say “people that switch” but not “everyone who gets a quote” save that much money. That is how companies can truthfully advertise the way they do.

Because of these techniques, you should compare as many free auto insurance quotes as you can. It’s just too difficult to predict which insurance companies will give you lower premium rates than your current company.

Car insurance coverage options for a 2020 Jeep Cherokee

Knowing the specifics of your car insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages found on most car insurance policies.

Auto collision coverage

Collision insurance pays for damage to your Cherokee resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a mailbox, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability

This coverage provides protection from damage that occurs to other people or property that is your fault. This insurance protects YOU against other people’s claims, and 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. Your policy might show limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like bail bonds, repair bills for other people’s vehicles, emergency aid and court costs. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Jeep Cherokee.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for pain medications, EMT expenses and nursing services. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hail damage and falling objects. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

In conclusion

As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where an insured dropped liability coverage limits only to discover later they didn’t have enough coverage. Your goal is to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.

Cheaper 2020 Jeep Cherokee insurance is definitely available online and also from your neighborhood agents, so you need to quote auto insurance with both to get a complete price analysis. Some insurance coverage companies do not offer online price quotes and usually these smaller companies only sell through independent agencies.