2017 Jeep Cherokee Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 13, 2019

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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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