How Much Does 2019 Jeep Cherokee Insurance Cost in 2024?

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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: May 18, 2024

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Trying to find the cheapest insurance rates for your Jeep Cherokee? Searching for the cheapest insurance for a Jeep Cherokee can turn out to be an all-consuming task, but you can follow our insurance buying tips and make it easy.

There is a right way and a wrong way to shop for insurance so we’re going to tell you the proper way to price shop coverage for your Jeep and obtain the best price possible.

You need to compare premium rates as often as possible because insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest premium rates on Cherokee insurance two years ago you may be paying too much now. There is a lot of bad advice regarding insurance on the internet, but in just a couple of minutes you can learn some great ways to buy insurance cheaper.

Why your insurance rates might be higher

A large part of saving on insurance is knowing some of the factors that go into determining your insurance rates. When you understand what influences your rates, this helps enable you to make changes that could help you find lower insurance prices. Many different elements are part of the calculation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but other criteria are less apparent like your vehicle usage or your vehicle rating.

Listed below are some of the most common factors companies use to determine your rate level.

  • GPS tracking and theft deterrents lower insurance rates – Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft and help bring rates down.
  • Filing insurance claims can increase rates – If you file a lot of claims don’t be surprised to see either higher rates or even cancellation. Companies generally give cheaper rates to people that do not abuse their auto insurance. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Insurance rates in urban areas – Being located in smaller towns and rural areas of the country can save you money if you are looking for the lowest rates. Drivers who live in large cities tend to have much more traffic and higher rates of accident claims. Lower population translates into fewer accidents.
  • Car and home together may be cheaper – Lots of companies provide a discount to clients that purchase more than one policy in the form of a multi-policy discount. The discount can be ten or even fifteen percent. Even with this discount applied, it’s always a smart idea to compare other company rates to ensure the best deal.
  • Higher rates for high stress jobs – Occupations like real estate brokers, business owners and financial analysts have higher average rates attributed to job stress and long work hours. Conversely, occupations like actors, students and retirees have the lowest average rates on Cherokee insurance.
  • A insurance policy lapse can increase prices – Driving without insurance is not a good idea and you may have a hard time finding new coverage because you let your coverage have a gap. And not only will your rates increase, not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

How to buy car insurance online

Getting a cheaper price on 2019 Jeep Cherokee insurance can be relatively painless. All you need to do is spend a few minutes on the computer comparing free car insurance quotes from online providers. It’s really simple and can be done in just a few minutes using one of these methods.

The first (and easiest) way consumers can analyze rates would be an industry-wide quote request form. This type of form keeps you from doing separate quote forms for each price estimate. Taking the time to complete one form compares rates from multiple companies. It’s the fastest way to compare.

A less efficient way to find more affordable insurance is spending the time to visit the website of each company and repeat the quote process. For sake of this example, let’s assume you are doing a rate comparison from State Farm, Safeco and Allstate. You would need to spend time going to each site individually and enter your information, which is why first method is recommended.

Whichever way you use, compare the same coverages and limits on every price quote you get. If you are comparing mixed coverages it’s impossible to determine which company has the best rates.

Car insurance discounts help lower rates

Insuring your fleet can be pricey, but there are discounts available that many people don’t even know exist. Some discounts will apply when you complete an application, but some must be specifically requested before they will apply.

  • Distant Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Discounts for Government Workers – Active or retired federal employment can save as much as 8% on Cherokee insurance depending on your car insurance provider.
  • Student Discount for Driver Training – Require your teen driver to enroll in driver’s education if offered at their school.
  • First Accident Forgiveness – This isn’t a discount exactly, but some companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before hitting you with a surcharge with the catch being you have to be claim-free for a set time period.
  • No Claims – Good drivers with no accidents have much lower rates compared to accident-prone drivers.
  • Good Student Discount – Getting good grades may save as much as 25% on a car insurance quote. Many companies even apply the discount to college students until age 25.

It’s important to understand that some of the credits will not apply to the entire policy premium. Most cut specific coverage prices like comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky. Any amount of discount should definitely cut the amount you have to pay.

Some of the larger companies that may offer these discounts include:

  • State Farm
  • Progressive
  • Travelers
  • American Family
  • Liberty Mutual

When getting free car insurance quotes, it’s a good idea to every prospective company what discounts are available to you. Depending on the company, some discounts might not be offered on policies in your area. If you would like to choose from a list of car insurance companies that offer multiple discounts, enter your zip code here.

Which is the best insurance?

When buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions might help in determining if you will benefit from professional help.

  • Am I covered when using my vehicle for business?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I sign the liability waiver when renting a car?
  • Can I afford to pay high deductible claims out of pocket?
  • Where can I find DUI or SR-22 insurance?
  • Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out your zip code. It only takes a few minutes and can help protect your family.

Insurance coverage options for a 2019 Jeep Cherokee

Knowing the specifics of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

This pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from a tornado or hurricane, rock chips in glass, a tree branch falling on your vehicle, a broken windshield and falling objects. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

This will cover damages or injuries you inflict on a person or their property in an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like legal defense fees, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred 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 a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision insurance

This coverage pays for damage to your Cherokee caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like rolling your car, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills for surgery, funeral costs, doctor visits, chiropractic care and dental work. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

More effort can pay off

Low-cost 2019 Jeep Cherokee insurance can be found from both online companies and from local insurance agents, and you should compare price quotes from both to have the best selection. A few companies do not offer the ability to get quotes online and many times these regional carriers sell through independent agents.

When you buy car insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice liability coverage limits only to discover later that it was a big mistake. Your goal is to buy enough coverage at the best price, but do not sacrifice coverage to save money.

In this article, we covered a lot of techniques to save on 2019 Jeep Cherokee insurance. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding the cheapest car insurance. You may be surprised to find that the best car insurance rates are with a small mutual company.

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