Are you tired of trying to find more competitive Jeep Cherokee insurance in Phoenix? Are you drained from robbing Peter to pay Paul to make your insurance payment? You are no different than many other Arizona consumers.
Sadly, most drivers have remained with the same insurance company for at least the last four years, and nearly 40% of drivers have never taken the time to shop around. Phoenix consumers could pocket roughly 50% a year by just comparing quotes, but they don’t invest the time required to find lower-cost insurance rates. Insurance companies such as State Farm, GEICO and Farmers Insurance constantly blast consumers with ad campaigns and consumers find it hard to avoid their marketing magic and take the time to shop coverage around.
If you already have coverage or are looking for a new policy, use these money-saving tips to buy cheaper insurance and possibly find even better coverage. Locating the best rates in Phoenix is not rocket science. You just have to learn the proper methods to compare rates on the web.
The companies shown below can provide quotes in Phoenix, AZ. If multiple providers are shown, we recommend you visit two to three different companies in order to find the most competitive rates.
Protect more than your Jeep vehicle
Despite the high insurance cost for a Jeep Cherokee in Phoenix, insuring your vehicle is most likely required but also gives you several important benefits.
First, just about all states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability protection if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a lien on your car, almost all lenders will require you to buy full coverage to guarantee loan repayment. If you default on your policy, the lender will be forced to insure your Jeep for a much higher rate and force you to pay for the much more expensive policy.
Third, insurance protects both your assets and your vehicle. It also can pay for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance definitely exceed the price paid, particularly if you ever have a claim. According to a recent study, the average American driver is overpaying over $700 annually so compare rates each time the policy renews to ensure rates are competitive.
Do you really save 40% when you switch?
Arizona drivers can’t avoid all the ads for cheaper insurance from companies such as Allstate and Progressive. All the ads make an identical promise of big savings if you just switch to their company.
Is it even possible that every company can lower your prices? You have to listen carefully.
Insurance companies have a certain “appetite” for the type of customer that earns them the most money. For instance, a profitable risk profile could possibly be between 25 and 40, has never had a policy lapse, and has a short commute. Any person that matches those criteria will probably get cheap car insurance rates and will also save if they switch.
Drivers who fall outside these criteria will probably be forced to pay more expensive rates which translates to business going elsewhere. If you listen closely, the ads state “people that switch” not “all people who quote” save that much when switching. That’s why companies can lure you into getting a quote.
This really illustrates why it’s extremely important to compare rate quotes every year. Because you cannot predict which company will have the best rates at this point in time.
Discounts for affordable auto insurance quotes
Not too many consumers would say auto insurance is affordable, but you might be missing out on some discounts that you may not even be aware of. Many discounts should be triggered at the time you complete a quote, but occasionally some discounts must be asked about before you will receive the discount. If you check and find you aren’t receiving every discount you deserve, you are paying more than you should be.
- Discount for Multiple Policies – When you combine your auto and homeowners insurance with the same insurance company you could save 10% to 20% off each policy.
- Include Life Insurance and Save – If the company offers life insurance, you could get a break if you buy some life insurance too.
- Accident Waiver – This one isn’t a discount, but a handful of insurance companies will forgive one accident before they charge you more for coverage so long as you haven’t had any claims prior to being involved in the accident.
- Clubs and Organizations – Joining a professional or civic organization is a good way to get lower rates on your next auto insurance statement.
- Resident Student – Older children who are attending college without a vehicle on campus could qualify for this discount.
- Save with a New Car – Putting insurance coverage on a new Cherokee can save up to 30% compared to insuring an older model.
As a sidenote, many deductions do not apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.
Auto insurance companies who may offer most of these discounts include:
If you are trying to find low cost Phoenix auto insurance quotes, ask every company which discounts you may be entitled to. Some discounts may not be offered everywhere. To choose insurance companies with discount rates in Phoenix, click here.
Compare rate quotes but buy from a local Phoenix insurance agent
A lot of people still prefer to buy from a local agent and that is not a bad decision Most agents can make sure you are properly covered and help you file claims. An additional benefit of comparing insurance prices online is the fact that you can find lower premium rates and still buy from a local agent. Buying from and supporting local insurance agencies is still important in Phoenix.
For easy comparison, once you complete this quick form, the quote information is submitted to local insurance agents in Phoenix that provide free Phoenix auto insurance quotes and help you find cheaper coverage. It makes it easy because there is no need to drive around as quotes are delivered to you directly. In the event you want to get a rate quote from a specific insurance company, you just need to search and find their rate quote page and give them your coverage information.
The difference between Phoenix auto insurance agents
If you are searching for local Phoenix agents, you need to know there are two different types of agents that you can choose from. Agents in Phoenix can either be exclusive or independent (non-exclusive). Either can properly insure your vehicles, but it’s worth learning the difference in how they write coverage because it can factor into buying decisions.
Independent Insurance Agencies
Independent agents do not have single company limitations so they can quote policies with lots of companies and find the cheapest insurance rates. If they find a lower price, the agent simply finds a different carrier and you can keep the same agent. If you need lower rates, we recommend you get rate quotes from a couple of independent agencies to get the most accurate price comparison.
Shown below is a partial list of independent agents in Phoenix that can possibly get you free rate quotes.
Exclusive Insurance Agencies
Agents in the exclusive channel normally can only provide a single company’s rates and some examples include Allstate and State Farm. They generally cannot shop your coverage around so they really need to provide good service. Exclusive insurance agents are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums.
Below is a list of exclusive insurance agencies in Phoenix that are able to give comparison quotes.
Arly Sanchez – State Farm Insurance Agent
1625 N 51st Ave Ste 103 – Phoenix, AZ 85035 – (602) 455-2886 – View Map
Gunther Perdomo Llana – State Farm Insurance Agent
2040 E Bell Rd #110 – Phoenix, AZ 85022 – (602) 971-8488 – View Map
Finding a good insurance agent requires you to look at more than just a cheap quote. These are some valid questions you should ask.
- What companies can they write with?
- Who is covered by the car insurance policy?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Are they properly licensed to sell insurance in Arizona?
- Does the company have a solid financial rating?
- Where would your vehicle be repaired?
Auto insurance is unique, just like you
Always keep in mind that when comparing your policy for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that.
Here are some questions about coverages that can help discover whether your personal situation may require specific advice.
- What is roadside assistance coverage?
- Should I put collision coverage on all my vehicles?
- What does medical payments cover?
- Do I need added coverage for expensive stereo equipment?
- What if an uninsured driver hits me?
- Am I covered when pulling a rental trailer?
- Which companies will insure me after a DUI?
If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.
In the end, you can save money
You just learned a lot of information how to shop for Jeep Cherokee insurance online. The key thing to remember is the more times you quote, the better likelihood of getting affordable Jeep Cherokee insurance quotes. Consumers could even find that the lowest premium rates come from a small local company. These smaller insurers may only write in your state and offer lower prices than their larger competitors like State Farm, GEICO and Nationwide.
Cheaper insurance in Phoenix is possible from both online companies in addition to local insurance agencies, so you need to shop Phoenix auto insurance with both to have the best chance of lowering rates. Some insurance companies may not offer internet price quotes and these regional insurance providers prefer to sell through local independent agents.
When buying insurance coverage, never skimp on coverage in order to save money. In many cases, someone sacrificed full coverage and learned later that they should have had better coverage. The aim is to buy enough coverage at the lowest possible cost, not the least amount of coverage.
Even more information can be found in these articles:
- Information for Teen Drivers (GEICO)
- Who Has Cheap Car Insurance Rates for Drivers with Accidents in Phoenix? (FAQ)
- What Auto Insurance is Cheapest for Teenage Females in Phoenix? (FAQ)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- What does Personal Injury Protection (PIP) Cover? (Allstate)