A recent study showed that most auto insurance customers kept their policy with the same company for well over three years, and nearly the majority have never compared rates with other companies. Ohio insurance shoppers could save as much as $730 a year by just comparing quotes, but they just don’t want to save money by comparing rate quotes.
Really, the only way to find affordable Jeep Cherokee insurance in Columbus is to compare quotes annually from different companies who can sell car insurance in Ohio.
- Try to understand how insurance companies determine prices and the things you can control to prevent rate increases. Many policy risk factors that result in higher rates like your driving record and your credit history can be rectified by being financially responsible and driving safely.
- Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like Progressive or State Farm, while agents who are independent can provide rate quotes for a wide range of companies. View prices
- Compare the new rate quotes to the premium of your current policy and determine if cheaper Cherokee coverage is available in Columbus. If you find better rates and make a switch, make sure coverage is continuous and does not lapse.
One thing to point out is to use the same deductibles and limits on every quote request and to quote with as many carriers as you can. This helps ensure the most accurate price comparison and the best price quote selection.
If you are paying for car insurance now, you will most likely be able to reduce the price you pay using the ideas covered in this article. Our goal is to teach you a little about how insurance works and also save some money in the process But Ohio consumers must know the way companies market on the web because it can help you find the best coverage.
Ways to get Jeep Cherokee insurance rate quotes in Columbus, OH
Most major insurance companies like Allstate, GEICO and Progressive allow you to get price estimates on their websites. Getting Jeep Cherokee insurance prices online is easy for anyone as you just enter the amount of coverage you want on the page. When the form is submitted, the company’s rating system obtains reports for credit and driving violations and returns a price.
This makes it simple to compare prices and it’s very important to get many rate quotes in order to get cheap car insurance pricing.
In order to find out how much you’re overpaying now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you complete the form with the insurance coverages identical to your current policy. Doing this assures you will get an apples-to-apples comparison for exact coverage.
The providers in the list below have been selected to offer comparison quotes in Columbus, OH. If several companies are displayed, we recommend you click on several of them to get a more complete price comparison.
These discounts can lower Jeep Cherokee insurance rates
Insurance can cost an arm and a leg, but companies offer discounts to reduce the price significantly. Some of these discounts will be visible at the time of quoting, but a few must be requested specifically before they will apply.
- Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on Columbus car insurance quote in comparison to insureds who have frequent claims or accidents.
- Organization Discounts – Being in a civic or occupational organization in Columbus can get you a small discount when getting a Columbus car insurance quote.
- Military Deployment Discount – Having an actively deployed family member can result in better premium rates.
- Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 15% off PIP or medical payments premium.
- Homeowners Savings – Just owning your own home can help you save on insurance due to the fact that maintaining a home is proof of financial responsibility.
- Telematics Data – Drivers that enable their insurance company to spy on driving patterns by using a telematics device in their vehicle like Allstate’s Drivewise could see a rate decrease as long as the data is positive.
- Student Discount for Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class if it’s offered in school.
- Good Student Discount – Maintaining excellent grades could provide a savings of up to 20% or more. This discount can apply up until you turn 25.
- More Vehicles More Savings – Buying a policy with several vehicles on a single policy can get a discount on all vehicles.
- Drive Safe and Save – Insureds who avoid accidents can get discounts for up to 45% lower rates than drivers with accident claims.
As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you can get free auto insurance, insurance companies aren’t that generous.
Larger insurance companies and a summarized list of policyholder discounts are shown below.
- American Family discounts include bundled insurance, Steer into Savings, good student, defensive driver, accident-free, and mySafetyValet.
- State Farm offers discounts for multiple policy, defensive driving training, accident-free, Drive Safe & Save, Steer Clear safe driver discount, anti-theft, and good student.
- 21st Century policyholders can earn discounts including homeowners, student driver, anti-lock brakes, good student, early bird, automatic seat belts, and defensive driver.
- Travelers may offer discounts for multi-car, student away at school, hybrid/electric vehicle, driver training, and save driver.
- GEICO offers discounts including daytime running lights, seat belt use, anti-lock brakes, driver training, defensive driver, and multi-vehicle.
If you want affordable Columbus car insurance quotes, ask each company which credits you are entitled to. Depending on the company, some discounts might not be offered everywhere. To choose providers who offer insurance discounts in Columbus, follow this link.
Get Cheaper Insurance Rates by Understanding These Factors
One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that aid in calculating your policy premiums. When you know what positively or negatively influences your rates, this allows you to make good choices that could help you find lower rates. Many things are taken into consideration when you get your auto insurance bill. Some are obvious such as your driving record, but other criteria are not as apparent like your vehicle usage and annual miles driven.
- Know your vehicle’s crash test rating – Cars with five star safety ratings tend to have better insurance rates. Safe vehicles have better occupant injury protection and lower injury rates means your insurance company pays less and thus lower rates.
- Performance affects insurance costs – The make and model of the car you need to insure makes a huge difference in how high your rates are. The lowest performance passenger models usually have the lowest rates, but other factors influence the final cost greatly.
- Auto insurance policy lapses lead to higher prices – Driving any period of time without insurance is against the law and auto insurance companies will penalize you for letting your insurance lapse. Not only will you pay higher rates, failure to provide proof of insurance will get you fines and jail time.
- Improve your credit score and save – Having a good credit score factor in determining premium rates. If your credit rating is lower than you’d like, you could be paying less to insure your Jeep Cherokee by improving your rating. Consumers who have high credit scores tend to be more responsible and file fewer claims than drivers who have poor credit.
- Prices and your address – Living in less populated areas may provide you with better prices when it comes to auto insurance. Less people living in that area means reduced accidents. City drivers have congested traffic and a longer drive to work. More time on the road translates into higher accident risk.
- Single drivers take more risk – Walking down the aisle may cut your premiums on your auto insurance policy. Having a spouse demonstrates that you tend to be more financially stable and statistics show drivers who are married are more cautious.
- Extra policy coverages can waste money – There are a ton of additional extra coverages that sound like a good idea at the time when buying auto insurance. Add-on coverages like personal injury protection, death and dismemberment, and extra life insurance coverage are probably not needed. The coverages may be enticing when deciding what coverages you need, but if you have no use for them think about removing them and cutting costs.
- Too many claims drive up premiums – If you’re an insured who likes to file claims you can look forward to much higher rates or policy non-renewal. Car insurance companies in Ohio generally give discounts to drivers that do not abuse their auto insurance. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
Jeep Cherokee historical loss data – Auto insurance companies analyze claim trends for every vehicle as a tool for profitable underwriting. Vehicles that the data determines to have higher prevalence or dollar amount of losses will have higher rates for specific coverages. The table below demonstrates the loss history for Jeep Cherokee vehicles.
For each type of coverage, the statistical loss for all vehicles compiled together is represented as 100. Values below 100 imply a favorable loss record, while numbers that are greater than 100 indicate higher probability of having a loss or tendency to have larger claims.
Insurance Loss Ratings for Jeep Cherokee Vehicles Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Jeep Cherokee 4dr 2WD 76 105 77 87 90 109 Jeep Cherokee 4dr 4WD 78 115 82 75 79 103BETTERAVERAGEWORSE
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years