Lower Your 2000 Jeep Cherokee Car Insurance Quotes

Trying to find the cheapest auto insurance rates for your Jeep Cherokee? Finding affordable auto insurance can be hard for people who are new to shopping for insurance online. Consumers have so many options that it can turn into a real challenge to find lower rates.

Smart consumers take time to price shop coverage every six months because insurance rates go up and down regularly. Even if you got the lowest rates on Cherokee coverage a year ago you can probably find a better price now. Forget all the misinformation about auto insurance because you’re about to find out one of the quickest ways to find better coverage at a better price.

Jeep Cherokee rate determination is complex

Smart consumers have a good feel for the rating factors that go into determining your insurance coverage rates. Having a good understanding of what determines base rates allows you to make educated decisions that will entitle you to better insurance coverage rates.

Listed below are a partial list of the pieces companies use to determine prices.

  • Special features that cut premiums – Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Marriage pays dividends – Having a wife or husband actually saves money on your policy. Having a significant other translates into being more mature and it’s statistically proven that being married results in fewer claims.
  • Cautious drivers pay less – Just one speeding ticket can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than their less careful counterparts. Drivers who have dangerous citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state DMV in order to prevent a license revocation.
  • Rates may be lower depending on your job – Jobs such as lawyers, business owners and dentists tend to have the highest average rates due to high stress levels and long work hours. Other occupations such as scientists, historians and retirees receive lower rates on Cherokee coverage.
  • Do men or women drive better? – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men are in accidents at a similar rate, but the males cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Young males are most likely to cause an accident and are penalized with high insurance coverage rates.
  • The more you drive the more you pay – The higher the mileage driven every year the higher your rate. The majority of insurers price each vehicle’s coverage based on their usage. Vehicles that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Verify your insurance coverage declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money. If your policy improperly rates your Cherokee can result in significantly higher rates.
  • Liability coverage is cheap – Liability insurance will protect you when a court rules you are at fault for damages caused by your negligence. Liability provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.

Companies offer discounts so take them!

Car insurance companies don’t always advertise every available discount very well, so we researched both well-publicized as well as the least known savings tricks you should be using.

  • Paperless Signup – Certain companies may give you up to $50 simply for signing over the internet.
  • Good Student – Getting good grades can earn a discount of 20% or more. This discount can apply up to age 25.
  • Military Discounts – Having a deployed family member may qualify for rate reductions.
  • Driver Safety – Taking part in a course in driver safety could cut 5% off your bill if you qualify.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less on Cherokee coverage than less cautious drivers.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for a discount up to 10% on Cherokee coverage.

Keep in mind that most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. So when it seems like you can get free auto insurance, you won’t be that lucky.

Companies that possibly offer some of the above discounts include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Discounts might not apply in your area.

Do I just need basic coverages?

When it comes to buying the right insurance coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether or not you would benefit from professional advice.

  • Can I afford low physical damage deductibles?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered when driving someone else’s vehicle?
  • Do I benefit by insuring my home with the same company?
  • Why do I only qualify for high-risk insurance?
  • Which companies will insure high-risk drivers?
  • When should I not file a claim?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Coverages available on your insurance policy

Understanding the coverages of insurance can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Auto collision coverage

Collision insurance pays for damage to your Cherokee 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 insurance covers things like hitting a mailbox, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for chiropractic care, surgery, dental work, funeral costs and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like vandalism, damage from flooding, fire damage and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability

This coverage can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as structural damage, bail bonds and loss of income. How much coverage you buy is up to you, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Jeep Cherokee.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Money doesn’t grow on trees

You just learned many ways to reduce 2000 Jeep Cherokee insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a small local company.

While you’re price shopping online, never buy less coverage just to save a little money. There are many occasions where drivers have reduced collision coverage only to regret that it was a big error on their part. The aim is to buy the best coverage you can find at the best price while not skimping on critical coverages.

Cost effective insurance can be sourced online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Much more information about auto insurance can be read at these links: