It takes a few minutes, but the best way to get affordable Jeep Cherokee insurance is to compare quotes once a year from insurers who provide car insurance in Chula Vista. You can compare prices by completing these steps.
- Read and learn about how your policy works and the steps you can take to prevent rate increases. Many risk factors that cause rate increases like at-fault accidents and a poor credit score can be improved by being financially responsible and driving safely.
- Compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agents can quote prices from multiple companies.
- Compare the new quotes to your existing rates and determine if cheaper Cherokee coverage is available. If you find a better price and make a switch, make sure there is no coverage gap between policies.
- Provide adequate notice to your current company of your intent to cancel your current car insurance policy. Submit the required down payment along with the signed application to your new company or agent. Be sure to keep your new certificate verifying proof of insurance in an easily accessible location in your vehicle.
The most important part of this process is to compare the same physical damage deductibles and liability limits on each price quote and to quote with as many carriers as you can. This ensures a level playing field and a thorough price selection.
It’s an obvious conclusion that auto insurance companies don’t want their policyholders to compare prices. People who shop around for the cheapest rate are highly likely to switch companies because there is a high probability of finding coverage at a cheaper rate. A recent survey discovered that drivers who routinely shopped around saved approximately $865 annually compared to people who never compared other company’s rates.
If finding the cheapest rates on Jeep Cherokee insurance in Chula Vista is your ultimate goal, understanding how to compare coverage rates can help you be more efficient.
The best way we recommend to compare insurance rates in your area is to take advantage of the fact auto insurance companies actually pay money for the chance to compare rate quotes. To begin a comparison, all you need to do is give them some information like coverage limits, your general credit rating, daily mileage, and the type of vehicles you drive. Those rating factors is instantly submitted to multiple different insurance companies and they return cost estimate very quickly.
To check rates for your car now, click here and complete the form.
The providers in the list below offer price quotes in California. In order to find the best cheap auto insurance in Chula Vista, CA, we suggest you compare several of them to find the most competitive car insurance rates.
Why you need quality insurance for your Jeep Cherokee
Despite the potentially high cost of Jeep Cherokee insurance, insurance serves an important purpose.
First, most states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability protection if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you took out a loan on your vehicle, it’s most likely the lender will force you to carry insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Jeep at a significantly higher premium and force you to pay for it.
Third, insurance safeguards both your Jeep and your personal assets. Insurance will pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If you have damage to your Jeep as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of carrying enough insurance more than cancel out the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $810 a year so it’s very important to do a rate comparison at least once a year to help ensure money is not being wasted.
Coverages available on your auto insurance policy
Knowing the specifics of your auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.
This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things like hail damage, rock chips in glass, damage from a tornado or hurricane, theft and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Collision coverage protection
This covers damage to your Cherokee caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as hitting a parking meter, hitting a mailbox, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible on your Cherokee to get cheaper collision coverage.
Uninsured and underinsured coverage
This provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Jeep Cherokee.
Since many California drivers only purchase the least amount of liability that is required (California limits are 15/30/5), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.
Auto liability insurance
Liability coverage protects you from injuries or damage you cause to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 15/30/5 that means you have $15,000 bodily injury coverage, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers things such as legal defense fees, bail bonds and court costs. How much coverage you buy is your choice, but consider buying higher limits if possible. California requires drivers to carry at least 15/30/5 but you should consider buying more coverage.
The next chart shows why buying the state minimum limits may not be high enough to cover claims.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as nursing services, dental work, pain medications, X-ray expenses and chiropractic care. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
One last thing about your coverage
Cost effective Jeep Cherokee insurance can be bought from both online companies as well as from insurance agents, so get free Chula Vista car insurance quotes from both of them in order to have the best chance of saving money. A few companies don’t offer the ability to get a quote online and these smaller companies only sell coverage through independent agents.
Insureds change insurance companies for any number of reasons including extreme rates for teen drivers, an unsatisfactory settlement offer, not issuing a premium refund or even policy non-renewal. Regardless of your reason, finding a new car insurance company can be easier than you think.
We’ve covered a lot of tips how to shop for Jeep Cherokee insurance online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even be surprised to find that the lowest priced car insurance comes from the smaller companies.
More detailed car insurance information can be read at these sites:
- Event Data Recorders FAQ (iihs.org)
- Who Has Cheap Auto Insurance Quotes for Active Military in Chula Vista? (FAQ)
- Who Has Cheap Chula Vista Car Insurance Quotes for a Nissan Rogue? (FAQ)
- How Much are Chula Vista Auto Insurance Quotes for Drivers with Accidents? (FAQ)
- Who Has the Cheapest Car Insurance for Drivers Under 21 in Chula Vista? (FAQ)
- Who Has Cheap Car Insurance Quotes After a Speeding Ticket in Chula Vista? (FAQ)
- Who Has Cheap Auto Insurance for Safe Drivers in Chula Vista? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Five Mistakes to Avoid (Insurance Information Institute)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- A Tree Fell on Your Car: Now What? (Allstate)