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Jeep Cherokee Insurance Rates

Drivers have lots of options when insurance shopping for your Jeep vehicle. You can get prices from an agent or go online to compare rates from lots of different providers. Finding cheaper auto insurance through online providers can be fast and easy, plus you can save money.

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of online auto insurance companies and websites offering insurance. Cutting your Cherokee insurance cost is surprisingly easy. Drivers just need to take a couple of minutes getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Premiums are calculated by...

Car insurance premiums for your Jeep Cherokee will vary greatly depending on several factors. Including but not limited to:

  • Higher performance Cherokee vehicles cost more
  • Your accident history
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Young drivers cost more
  • Whether you are married
  • Add-on coverages such as rental reimbursement
  • Your claim history
  • Having continuous coverage saves you money
  • Home ownership saves money

An additional factor which can affect Cherokee insurance rates is the year of the vehicle. Newer models have a higher actual cash value than older models so the cost to replace them will push premiums up. Although more recent Jeep vehicles may have safety features included like lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system so those may lower rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Cherokee from the list below.

Liability auto insurance - This coverage will cover damage or injury you incur to other's property or people that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision - This will pay to fix damage to your Jeep resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper Cherokee insurance rates.

Comprehensive (Other than Collision) - Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.

How Much are Jeep Cherokee Insurance Rates?