Cheapest 2017 Jeep Cherokee Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Want lower auto insurance rates for your Jeep Cherokee? When looking for more affordable insurance, are you confused by the number of auto insurance choices? Many other drivers are too. consumers have so many choices to choose from that it can easily become a difficult mission to find lower prices.

The easiest way to get policy rate comparisons is to understand most larger insurance companies participate in a system to give you rate quotes. To begin a comparison, all you need to do is give them some information including if the vehicle is leased, distance driven, deductibles desired, and the make and model of your vehicles. Your information is instantly submitted to multiple auto insurance providers and you should receive rate quotes almost instantly.

Do I just need basic coverages?

When it comes to buying coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different.

These are some specific questions may help highlight if you may require specific advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • How much liability coverage do I need in my state?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if I wreck a rental car?
  • Is my camper covered by my car insurance policy?
  • What is an SR-22 filing?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

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Car insurance coverages 101

Knowing the specifics of your car insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Collision coverage – Collision insurance covers damage to your Cherokee caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, colliding with a tree, crashing into a building, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for nursing services, prosthetic devices, doctor visits and pain medications. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Jeep Cherokee.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability insurance – This coverage can cover damage that occurs to other’s property or people in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.

Liability coverage pays for things like loss of income, repair costs for stationary objects, court costs, emergency aid and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive or Other Than Collision – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, a tree branch falling on your vehicle, hitting a bird and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

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Frequently Asked Questions

How can I lower my auto insurance rates?

There are several ways to potentially lower your auto insurance rates. Some strategies include maintaining a clean driving record, bundling your auto insurance with other policies, opting for a higher deductible, taking advantage of available discounts, and comparing quotes from multiple insurance companies.

What factors can affect my auto insurance rates?

Auto insurance rates are influenced by various factors, including your driving record, age, gender, marital status, location, type of vehicle, annual mileage, credit history, coverage limits, and deductibles. Insurance companies use these factors to assess the level of risk associated with insuring you and determine your premium.

What is a deductible?

A deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and you file a claim for $2,000 in damages, you would be responsible for paying the first $500, and your insurance company would cover the remaining $1,500.

Can I add someone else to my auto insurance policy?

Yes, you can typically add other drivers to your auto insurance policy, such as family members or household members. However, it’s important to disclose all relevant information about the additional drivers to ensure proper coverage and accurate premium calculations.

What is a no-fault insurance system?

A no-fault insurance system is a type of auto insurance system where drivers involved in an accident are compensated by their own insurance companies, regardless of who was at fault. No-fault systems aim to streamline the claims process and reduce litigation by avoiding the need to determine fault in every accident.

Can I change my auto insurance coverage anytime?

In most cases, you can make changes to your auto insurance coverage at any time, such as adjusting your coverage limits or adding/removing vehicles from your policy. However, certain changes may be subject to restrictions or require approval from your insurance provider.

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