View 2014 Jeep Cherokee Insurance Rates

Looking for cheaper auto insurance rates for your Jeep Cherokee? Nobody I know rejoices having to buy auto insurance, particularly when they could lower their rates if they shopped around. Due to the large number of choices, it’s difficult to pick the lowest cost auto insurance company.

How to compare free auto insurance quotes

There are a variety of methods to compare auto insurance quotes, and some are less time-consuming than others. You can waste hours talking about coverages with insurance agencies in your area, or you can utilize the web to get rates in a matter of minutes.

Many popular insurance companies participate in an industry program where prospective buyers submit one quote, and each company can provide price quotes based on the submitted data. This system prevents you from having to do quote forms for each company.

To compare pricing click here (opens in new window).

The only downside to doing it this way is buyers cannot specifically choose the insurers to get quotes from. If you would rather choose from a list of companies to receive pricing from, we have assembled a list of auto insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but try to keep identical information for each comparison quote. If each company quotes different data it will be nearly impossible to determine which company has the best rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How do insurers determine Jeep Cherokee insurance costs?

It’s important that you understand the rating factors that go into determining your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that may reward you with lower rates.

• Does your vocation raise your prices? – Did you know your auto insurance rates can be affected by your occupation? Careers like judges, social workers and dentists tend to pay the highest average rates because of job stress and long work hours. On the flip side, occupations like actors, engineers and performers receive lower rates for Cherokee insurance.
• High premiums for youthful drivers – Mature drivers are shown to be more cautious, tend to cause fewer accidents and get fewer tickets.Young drivers are statistically shown to be inattentive and easily distracted with other occupants in the car therefore auto insurance rates are much higher.
• Put fewer miles on your vehicle – The higher the miles on your Jeep annually the higher your rates will be. Many insurance companies calculate rates based upon how the vehicle is primarily used. Autos that have low annual miles qualify for better rates than those used for commuting. Having the wrong rating on your Cherokee can result in significantly higher rates. Double check that your auto insurance declarations sheet shows the right rating data, because improper ratings can cost you money.
• Poor credit can mean higher costs – A driver’s credit score will be a significant factor in your rate calculation. Insureds that have excellent credit scores tend to be more responsible than drivers who have bad credit. If your credit history leaves room for improvement, you could pay less to insure your 2014 Jeep Cherokee if you clean up your credit.
• Cars with good safety ratings means better rates – Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce injuries and reduced instances of injuries means less money paid by your insurance company and more competitive rates for policyholders.
• Never allow your policy to lapse – Allowing your auto insurance policy to lapse is a sure-fire way to pay more for auto insurance. And not only will insurance be more expensive, being ticketed for driving with no insurance could result in a fine, jail time, or a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

Do you qualify for discounts?

The price of auto insurance can be rather high, but you may be missing some discounts that can dramatically reduce your bill. Some of these disounts will be visible at the time of quoting, but a few need to be manually applied prior to getting the savings.

• Data Collection Discounts – Drivers that enable data collection to look at their driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot might get better premium rates if they show good driving skills.
• Policy Bundle Discount – If you have multiple policies and insure them both with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
• Active Military Service – Having a deployed family member can result in better premium rates.
• Multiple Vehicles – Drivers who insure multiple cars with the same car insurance company can get a discount on all vehicles.
• Home Ownership Discount – Owning a home can get you a discount because of the fact that having a home requires a higher level of personal finance.

Just know that many deductions do not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability and collision coverage. So when it seems like you can get free auto insurance, nobody gets a free ride. But all discounts will help reduce your policy premiums.

Some of the insurance companies that possibly offer some of the discounts shown above may include but are not limited to:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• Geico
• Progressive

When quoting, ask every company the best way to save money. Some credits might not be available to policyholders everywhere. To find insurance companies offering car insurance discounts, follow this link.

Don’t assume everyone needs the same auto insurance coverage

When buying the best auto insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions can aid in determining if you would benefit from professional advice.

• Should I sign the liability waiver when renting a car?
• Do I have any recourse if my insurance company denies a claim?
• Can my teen driver be rated on a liability-only vehicle?
• Am I covered when using my vehicle for business?
• Should I waive the damage coverage when renting a car?
• Does coverage extend to a rental car in a foreign country?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Auto insurance coverages and their meanings

Learning about specific coverages of auto insurance can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average auto insurance policy.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a parking meter, damaging your car on a curb, crashing into a building, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Auto liability insurance

This coverage will cover damage that occurs to a person or their property by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

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. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things like medical services, repair bills for other people’s vehicles, funeral expenses, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Jeep Cherokee.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like dental work, hospital visits, EMT expenses and surgery. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision

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

Comprehensive can pay for claims like rock chips in glass, theft, fire damage, vandalism and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

One last thing

Cheaper 2014 Jeep Cherokee insurance can be found online in addition to many insurance agents, and you should be comparing both to have the best selection. Some insurance providers may not provide price quotes online and usually these regional insurance providers only sell coverage through independent insurance agents.

As you restructure your insurance plan, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, someone sacrificed liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at the lowest possible cost, but do not skimp to save money.

Throughout this article, we presented a lot of information how to get a better price on 2014 Jeep Cherokee insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the biggest savings come from some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like Progressive and Geico.

Helpful resources

• Side Impact Crash Tests (iihs.org)
• Understanding your Policy (NAIC.org)
• Senior Drivers (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption