Sick and tired of not being able to afford to insure your Jeep every month? You’re in the same situation as many other consumers. Companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with advertising and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.
If you have a current car insurance policy or are looking for a new policy, you can learn to cut your premiums while maintaining coverages. Choosing the best insurance company for you is not rocket science. Drivers only need an understanding of the proper methods to find the lowest price online.
Jeep Commander rates are made up of many parts
It’s important that you understand some of the elements that help determine car insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.
- Bad driving skills means higher rates – Drivers who don’t get tickets have lower premiums than bad drivers. Even one citation can bump up the cost twenty percent or more. Drivers who get serious violations like DUI or reckless driving may be required to file a SR-22 to the state department of motor vehicles in order to continue driving.
- Sex matters – Statistics show women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Women and men tend to get into accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like reckless driving and DUI.
- Never let your coverage lapse – Having an insurance coverage lapse is a fast way to trigger a rate increase. Not only will rates go up, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.
- You might want pay the small claims yourself – If you are a frequent claim filer, you can definitely plan on higher rates. Companies award better rates to drivers who file claims infrequently. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
- Don’t buy coverages you don’t need – There are a lot of extra coverages you can purchase when buying car insurance. Coverages for vanishing deductibles, better glass coverage and membership fees are some examples. These coverages may sound good at first, but your needs may have changed so eliminate them to save money.
- Older drivers save more – Older insureds tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Youthful drivers are statistically proven to be less responsible when behind the wheel and because of this, their car insurance rates are much higher.
How much can you save with discounts?
Car insurance companies don’t list all available discounts very clearly, so we took the time to find both the well known and the more hidden car insurance savings. If you’re not getting every credit you deserve, you’re just leaving money on the table.
- New Vehicle Savings – Insuring a new car can be considerably cheaper compared to insuring an older model.
- Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
- Sign Online – Certain companies give back up to $50 simply for signing on their website.
- No Claims – Claim-free drivers pay much less compared to drivers who are more careless.
- Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
- Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
- Memberships – Being a member of a qualifying organization is a good way to get lower rates when buying car insurance on Commander coverage.
- Save over 55 – If you’re over the age of 55, you can possibly qualify for reduced rates on Commander coverage.
- Military Rewards – Having a family member in the military could mean lower rates.
As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way.
To see a list of insurance companies who offer car insurance discounts, follow this link.
Are insurance agents obsolete?
Some people would rather buy from a local agent. Good agents can help determine the best coverages and give you peace of mind. One of the best bonuses of comparing insurance prices online is you may find better rates and still have an agent to talk to.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is sent to agents in your area who will return price quotes for your insurance coverage. There is no reason to visit any agencies due to the fact that quote results will go directly to your email. Now that’s easy!
Selecting an insurer should depend on more than just the bottom line cost. Some important questions to ask are:
- Do they regularly work with personal auto policies?
- Are they properly licensed to sell insurance in your state?
- How long has their agency been open?
- Which insurance companies are they affiliated with?
- If they are an independent agency, which companies do they recommend?
- Can they provide you with a list of referrals?
- Are they able to influence company decisions when a claim is filed?
- Are claims handled at the agent’s location?
Not all auto insurance agents are the same
When finding local agents, there are two different types of agents that differ in how they can insure your vehicles. Agencies can either be captive or independent. Both types can insure your vehicles, but it’s worth mentioning the differences because it can influence the type of agent you choose
Agency Captives
Captive agencies can only place business with one company and some examples include American Family, State Farm and Allstate. Captives cannot give you multiple price quotes so they have to upsell other benefits. They are very knowledgeable in insurance sales which can be an advantage.
Independent Agents (or Brokers)
Independent insurance agents are not required to write business for one company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house and that require little work on your part. When comparison shopping, you should always include price quotes from at a minimum one independent agency to have the most options to choose from.
To view a complete directory of agencies, visit this page.
After getting positive feedback to these questions and a good coverage price, chances are good that you have found a car insurance agent that will provide car insurance coverage.
Will just any policy work for me?
When it comes to choosing coverage for your vehicles, there really is not a one size fits all plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help highlight whether you could use an agent’s help.
- Do I really need UM/UIM coverage?
- Can I rate high risk drivers on liability-only vehicles?
- Is there coverage for injuries to my pets?
- Am I covered if I wreck a rental car?
- Are my friends covered when driving my Jeep Commander?
- Do no-fault laws apply in my state?
- Are all vehicle passengers covered by medical payments coverage?
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.
Compare but don’t skimp
When you buy insurance online, you should never sacrifice coverage to reduce premiums. Too many times, an insured dropped liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.
Affordable Jeep Commander insurance is possible online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.
