Best Insurance for a Jeep Cherokee in Santa Ana

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Discount Jeep Cherokee insuranceRemarkably, a study showed that over 70% of consumers have purchased from the same company for more than four years, and almost half have never quoted rates to find affordable coverage. With the average premium in California being $1,390, drivers could save almost 35% a year by just shopping around, but they don't want to take the time to find affordable rates by getting comparison quotes.

It takes a little time, but the best way to find better pricing on Jeep Cherokee insurance is to make a habit of comparing prices annually from different companies who can sell car insurance in Santa Ana. Drivers can shop around by following these steps.

First, it will benefit you to learn about individual coverages and the steps you can take to drop your rates. Many things that result in higher rates like inattentive driving and a negative credit history can be improved by making minor driving habit or lifestyle changes.

Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like GEICO or Farmers Insurance, while agents who are independent can give you price quotes from multiple companies.

Third, compare the quotes to your existing rates to see if cheaper Cherokee coverage is available in Santa Ana. If you find a lower rate and buy the policy, make sure coverage is continuous and does not lapse.

Fourth, tell your current agent or company of your intention to cancel your current car insurance policy. Submit a signed application and payment for your new policy. Immediately safely store the proof of insurance certificate above your visor, in the console, or in the glove compartment.

The most important part of shopping around is to use identical coverages on each quote and and to compare all possible companies. Doing this helps ensure an accurate price comparison and a thorough selection of prices.

Get Jeep Cherokee Insurance Cheaper

Lots of things are used in the calculation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but some are not quite as obvious such as your marital status or your financial responsibility.

The following are some of the major factors auto insurance companies consider when setting rates.

  • Premiums are affected by your credit history - Your credit rating can be a huge factor in calculating your auto insurance rates. So if your credit could use some work, you could pay less to insure your Jeep Cherokee if you clean up your credit. Drivers with very good credit scores tend to file fewer claims and have better driving records than those with lower ratings.
  • Liability insurance limits on your policy - A critical coverage on your policy, liability insurance will protect you if ever a jury decides you are liable for personal injury or accident damage. Your liability coverage provides legal defense to defend your case. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Rates can drop if you have more than one policy - Many insurance companies give lower prices to people that have more than one policy such as combining an auto and homeowners policy. Even though this discount sounds good, drivers will still want to compare Jeep Cherokee rates in Santa Ana to confirm you are receiving the best rates possible.
  • Pay more if you have a long commute - Choosing to live in areas with lower population is a good thing when trying to find low car insurance rates. Fewer drivers on the road corresponds to lower accident rates and lower theft and vandalism rates. People who live in big cities have much more traffic and longer commutes to work. The longer drive time means more chance of being in an accident.
  • Discounts for married drivers - Having a spouse may cut your premiums compared to being single. Having a significant other is viewed as being more responsible and it's statistically proven that being married results in fewer claims.

  • Loss statistics for a Jeep Cherokee - Insurance companies factor in historical loss data to help calculate premium costs. Vehicles that the data determines to have higher number or severity of losses will have a higher premium rate.

    The table shown below demonstrates the historical insurance loss data for Jeep Cherokee vehicles. For each type of coverage, the claim amount for all vehicles as a whole is equal to 100. Numbers under 100 suggest a better than average loss history, while numbers above 100 indicate higher probability of having a loss or tendency to have higher losses.

    Jeep Cherokee Insurance Claim Statistics
    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 79 103
    BETTER
    AVERAGE
    WORSE

    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Santa Ana insurance discounts for a Jeep Cherokee

Insurance can be prohibitively expensive, but you may find discounts to cut the cost considerably. Some of these discounts will be visible at the time of purchase, but a few must be specially asked for prior to receiving the credit.Cheaper insurance with discounts

  • Multiple Policy Discount - If you can bundle your home and auto insurance with the same insurance company you may save at least 10 to 15 percent or more.
  • Early Payment Discounts - If you pay your entire premium ahead of time instead of paying each month you can avoid the installment charge.
  • Distant Student Discount - Older children who are enrolled in a college that is more than 100 miles from Santa Ana and do not have a car can receive lower rates.
  • Santa Ana Homeowners Discount - Owning your own home or condo can get you a discount because of the fact that having a home requires a higher level of personal finance.
  • No Claim Discounts - Drivers who don't have accidents pay less when compared with insureds who have frequent claims or accidents.
  • Seat Belt Usage - Drivers who require all vehicle occupants to buckle up before driving may be able to save a few bucks off the PIP or medical payment premium.
  • Air Bag Discount - Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • ABS Brakes - Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive so companies give up to a 10% discount.
  • Discount for Low Mileage - Fewer annual miles on your Jeep could qualify for lower insurance rates due to less chance of an accident.

One thing to note about discounts is that most credits do not apply to all coverage premiums. A few only apply to specific coverage prices like physical damage coverage or medical payments. Even though it appears it's possible to get free car insurance, that's just not realistic. But any discount will positively reduce your premiums.

Car insurance companies that have these benefits include:

Before purchasing a policy, check with each insurance company which discounts can lower your rates. Savings might not be offered on policies in your state. If you would like to choose from a list of insurance companies who offer discounts in California, click this link.

Car insurance companies ranked

Picking a high-quality car insurance company can be rather challenging considering how many different companies there are to choose from in Santa Ana. The ranking data below could help you choose which coverage providers you want to consider purchasing a policy from.

Top 10 Santa Ana Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Smart shoppers get results

Affordable Jeep Cherokee insurance in Santa Ana is available online and with local Santa Ana insurance agents, and you should compare rates from both to have the best selection. Some car insurance companies may not have online price quotes and these regional carriers provide coverage only through local independent agencies.

When getting Santa Ana auto insurance quotes online, never sacrifice coverage to reduce premiums. Too many times, someone sacrificed full coverage to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.

We just covered many ways to find cheap Jeep Cherokee insurance in Santa Ana. It's most important to understand that the more times you quote, the better your comparison will be. You may even discover the most savings is with a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

More information is available at the links below