How Much Does 2016 Jeep Cherokee Car Insurance Cost?

Looking for the cheapest car insurance rates for your Jeep Cherokee? Comparison shopping for low cost car insurance can seem to be quite difficult for drivers who are beginners to online rate comparisons. With more and more insurers to choose from, it can easily become a difficult challenge to find more affordable car insurance rates.

It’s a good habit to do price comparisons every six months because car insurance prices trend upward over time. Just because you had the best price for Cherokee coverage six months ago there may be better deals available now. Forget all the misinformation about car insurance because you’re going to get a crash course in how to use online quotes to properly buy coverages and cut your premium.

Free auto insurance price quotes

Effectively comparing auto insurance prices can be a lot of work if you aren’t aware of the fastest way to get free quotes. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you could use online quotes to maximize your effort.

The majority of car insurance companies belong to an insurance system where insurance shoppers enter their policy data once, and every company then gives them pricing based on the submitted data. This saves time by eliminating quote forms to each company.

To use this form to compare rates click here to start a free quote.

One minor caviat to using this type of system is that you can’t choose which carriers you want pricing from. So if you prefer to pick from a list of companies to compare rates, we put together a list of low cost auto insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but double check that you are using the exact same quote information for each price quote. If the quotes have different coverage information then you won’t be able to get a fair rate comparison. Slightly different coverage limits can result in a big premium difference. Just remember that comparing a wide range of rates will improve the odds of getting a lower rate than you’re paying now.

How much car insurance do I need?

When it comes to buying proper insurance coverage, there really is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.

• What if I total my 2016 Jeep Cherokee and owe more than it’s worth?
• Am I covered when pulling a rental trailer?
• What exactly is covered by my policy?
• Why am I required to buy high-risk coverage?
• Does coverage extend to Mexico or Canada?
• Is my business laptop covered if it gets stolen from my vehicle?
• Do I need replacement cost coverage?
• Is upholstery damage covered by car insurance?
• I have good health insurance, so how much medical payments coverage do I need?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form.

Auto insurance 101

Knowing the specifics of a auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability coverage

Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as pain and suffering, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as falling objects, a broken windshield and damage from flooding. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Jeep Cherokee.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses for rehabilitation expenses, pain medications, nursing services and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

Collision insurance will pay to fix damage to your Cherokee resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, sideswiping another vehicle, colliding with another moving vehicle, crashing into a building and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.