Are you tired of overpaying and want the cheapest Jeep Cherokee insurance in San Diego? Trying to find more affordable Jeep Cherokee insurance in San Diego might be frustrating for drivers who have little experience quoting coverage prices online. With such a large choice of companies, it can be a challenge to find the best rates.
Inconceivable but true, the vast majority of California auto insurance customers kept their policy with the same company for four years or more, and approximately 38% of consumers have never shopped around. Most drivers in America could pocket as much as $850 a year just by getting comparison quotes, but they just feel it’s too hard to find affordable auto insurance rates.
If you are already insured, you will most likely be able to find the best rates using these techniques. This information will teach you how car insurance companies work and how you can save the most money. Nevertheless, California consumers need to have an understanding of how the larger insurance companies market on the web and apply this information to your search.
Low-cost companies for Jeep Cherokee insurance in California
The car insurance companies shown below are ready to provide price comparisons in San Diego, CA. If multiple providers are shown, we recommend you compare several of them to get the best price comparison.
Get discounts to get affordable San Diego insurance rates
Companies that sell car insurance don’t always list all possible discounts in an easy-to-find place, so the below list has some of the best known as well as the least known credits that you can use to lower your rates. If they aren’t giving you every credit you qualify for, you could be saving more on your insurance.
- Smart Student Discounts – Getting good grades could provide a savings of up to 20% or more. This discount can apply up to age 25.
- Full Payment Discount – If you can afford to pay the entire bill rather than paying monthly you can avoid the installment charge.
- Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than drivers with accidents.
- Defensive Driver Discount – Taking time to complete a defensive driver course could cut 5% off your bill if you qualify.
- Braking Control Discount – Vehicles that have steering control and anti-lock brakes can avoid accidents and the ABS can save up to 10%.
- Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and therefore earn up to a 10% discount.
- Policy Bundle Discount – If you insure your home and vehicles with the same insurance company they may give you a discount of approximately 10% to 15%.
- New Vehicle Savings – Putting coverage on a new Cherokee is cheaper because new vehicles are generally safer.
- Drivers Education – It’s a good idea to have your young drivers enroll and complete driver’s education if offered at their school.
You should keep in mind that many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, insurance companies aren’t that generous.
Some of the larger companies who may offer most of the discounts above include:
When getting a coverage quote, ask every prospective company which credits you are entitled to. A few discounts might not be available to policyholders in San Diego. To choose insurance companies who offer cheap Jeep Cherokee insurance quotes in California, click this link.
Don’t assume everyone needs the same auto insurance coverage
When selecting insurance from an agent or online, there is no best way to insure your cars. Every insured’s situation is different so your insurance should reflect that
Here are some questions about coverages that may help you determine whether your personal situation may require specific advice.
- What does medical payments cover?
- Is pleasure use cheaper than using my Jeep Cherokee to commute?
- Do they offer discounts for home and auto coverage?
- What is PIP insurance?
- Am I covered if I back into my garage door?
- What vehicles should carry emergency assistance coverage?
If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Auto insurance quotes from neighborhood San Diego auto insurance agents
A lot of people still like to visit with an insurance agent and that can be a smart move One of the best bonuses of comparing rates online is the fact that drivers can get cheap rate quotes and still buy from a local agent. Buying from and supporting local insurance agents is important especially in San Diego.
After completing this simple form, your insurance coverage information is instantly submitted to insurance agents in San Diego who will gladly provide quotes and help you find cheaper coverage. It makes it easy because there is no need to find an agent on your own due to the fact that quote results will go immediately to you. You can find the lowest rates without requiring a lot of work. If you want to get a comparison quote from a specific auto insurance provider, just search and find their rate quote page and fill out their quote form.
Types of car insurance agents in San Diego
When looking for a reputable insurance agent or broker, it’s important to understand the different types of agencies and how they are slightly different. Agencies in San Diego can be categorized as either independent agents or exclusive agents depending on their employer.
Independent Auto Insurance Agents (or Brokers)
Independent agents do not write with just one company so they can quote policies with a variety of different insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move your policy to a different company and you don’t have to find a new agent. When comparing auto insurance prices, you will want to include rate quotes from several independent insurance agents to maximize your price options. Most can insure with small mutual carriers which can save you money.
Below is a short list of independent insurance agents in San Diego that may be able to provide free auto insurance rate quotes.
- AG Insurance Agency
11440 W Bernardo Ct #161 – San Diego, CA 92127 – (858) 431-9880 – View Map
- Alcott Insurance
3945 Idaho St – San Diego, CA 92104 – (619) 293-3800 – View Map
- Oversea Insurance Agency, Inc
1274 Scott St – San Diego, CA 92106 – (800) 266-2662 – View Map
Exclusive Insurance Agencies
These type of agents write business for a single company and some examples include State Farm, Allstate and AAA. These agents are not able to give you multiple price quotes so keep that in mind. These agents are usually well trained on the products they sell which helps them sell on service rather than price. Some people will only use the same exclusive agent mostly because of loyalty to the company rather than having the cheapest rates.
The following is a list of exclusive agents in San Diego willing to provide price quote information.
- John Tran – State Farm Insurance Agent
2820 Camino del Rio S Ste 310 – San Diego, CA 92108 – (619) 291-1787 – View Map
- Farmers Insurance: James Calafata
4325 Cass St – San Diego, CA 92109 – (858) 483-7171 – View Map
- Deryk Inn – State Farm Insurance Agent
3633 Camino del Rio S #100 – San Diego, CA 92108 – (619) 362-4820 – View Map
Choosing an insurance agent is decision based upon more than just a cheap price quote. The following questions are important to ask.
- Do they offer claims assistance after hours?
- Do the agents have professional certifications like CPCU or CIC?
- How often do they review policy coverages?
- If independent agents, which companies do they recommend?
- If your car is totalled, how to they determine the replacement cost?
After you get positive responses to these questions in addition to an acceptable price estimate, you’ve probably found a car insurance agent that meets your needs to adequately provide auto insurance.
Will you really save $403 on auto insurance?
Well-known auto insurance companies like State Farm, Allstate and GEICO consistently run ads on television and other media. All the companies convey the message that people will save if you move your coverage. How do they all lower your premium rates? This is how they do it.
Auto insurance companies have specific characteristics for the type of driver that will generate a profit. For instance, this type of driver should be between the ages of 30 and 50, owns a home, and drives a car with an anti-theft system. Anybody that fits those parameters will probably get the lowest car insurance rates and will also cut their Jeep Cherokee insurance rates if they switch.
Consumers who cannot meet this stringent profile will get a more expensive rate which usually ends up with the prospect going elsewhere. If you pay attention, the ads say “people who switch” but not “all drivers who get quotes” can save as much as they claim. That is how companies can make claims that they all have the best premium rates.
Each company has different criteria, so drivers must get price quotes at each policy renewal. Because you cannot predict which auto insurance company will have the lowest rate quotes.
Information about specific coverages
Learning about specific coverages of a insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on the average insurance policy.
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hitting a deer, falling objects, damage from flooding and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Uninsured and underinsured coverage
This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Jeep Cherokee.
Since a lot of drivers only carry the minimum required liability limits (15/30/5 in California), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liability limits.
Coverage for liability
This provides protection from damage or injury you incur to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 15/30/5 which stand for $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.
Liability insurance covers things like loss of income, bail bonds and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford. California state minimum liability requirements are 15/30/5 but you should think about purchasing more liability than the minimum.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like EMT expenses, dental work, chiropractic care, X-ray expenses and funeral costs. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
This pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like crashing into a ditch, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also choose a higher deductible on your Cherokee in order to get cheaper collision rates.
Shop around and save
Cheaper Jeep Cherokee insurance in San Diego is definitely available on the web and from local agencies, and you should compare price quotes from both to have the best selection. Some insurance companies don’t offer online quoting and most of the time these smaller companies only sell coverage through local independent agencies.
When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice full coverage only to discover later that it was a big error on their part. Your objective should be to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.
More detailed auto insurance information is available in the articles below:
- State Car Insurance Guides (GEICO)
- How Much is Auto Insurance for Real Estate Agents in San Diego? (FAQ)
- Who Has Cheap Car Insurance Quotes for Drivers Over Age 60 in San Diego? (FAQ)
- Who Has Affordable Car Insurance Quotes for Teenage Females in San Diego? (FAQ)
- Prom Night Tips for Teen Drivers (State Farm)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Choosing a Car for Your Teen (State Farm)