How Much Does 2006 Jeep Commander Insurance Cost?

Locating cheaper insurance for a new or used Jeep Commander could be an all-consuming task, but you can learn our insurance coverage buying tips and make it easy. There are more efficient ways to buy insurance coverage so you’re going to learn the quickest way to quote coverages for your Jeep and locate the best price possible from both online companies and local agents.

It’s a good idea to get comparison quotes occasionally since insurance rates go up and down regularly. Despite the fact that you may have had the lowest price for Commander insurance last year you can probably find a better price now. There is a lot of bad advice regarding insurance coverage on the internet, so with this article, you’re going to get a lot of great tips on how to stop overpaying for insurance.

Finding the best rates is easy if you know what you’re doing. If you have a current insurance policy or need a new policy, you can use this information to reduce the price you pay and possibly find even better coverage. Drivers only need to know the most effective way to get comparison rates on the web.

How to Lower Your Car Insurance Cost

Comparing car insurance rates can take hours if you aren’t aware of the most efficient way. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you can utilize the web to quickly compare rates.

Most of the best insurance companies participate in a marketplace that enables customers to send in one quote, and every company can provide price quotes based on that data. This prevents consumers from doing quotation requests to each individual car insurance company. To compare pricing click here to open in new window.

One minor caviat to pricing coverage this way is that consumers can’t choose the companies you want to price. So if you want to choose specific providers for rate comparison, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, compare identical quote information for every company. If you use higher or lower deductibles it’s not possible to determine the lowest rate for your Jeep Commander.

Save money by taking advantage of these discounts

Car insurance companies don’t always list all available discounts in an easy-to-find place, so the following is a list of both the well known and the harder-to-find ways to save on insurance coverage. If they aren’t giving you every credit available, you are paying more than you should be.

  • Good Student – A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for Commander insurance depending on your company.
  • Senior Citizens – If you’re over the age of 55, you may receive a discount up to 10% for Commander insurance.
  • Sign Early and Save – Select companies give a discount for switching to them before your current policy expires. It can save you around 10%.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less for Commander insurance than less cautious drivers.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

Companies that possibly offer some of the above discounts include:

It’s a good idea to ask every prospective company how you can save money. Discounts might not apply everywhere.

When should I use an insurance agent?

When it comes to buying the best insurance coverage coverage, there is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions can help discover if your situation would benefit from professional advice.

  • Am I covered if I wreck a rental car?
  • How many claims can I have before being cancelled?
  • Am I covered if I break a side mirror?
  • What is medical payments coverage?
  • Do I need higher collision deductibles?
  • I don’t drive much so do I pay less?
  • Am I covered when using my vehicle for business?
  • Can I afford to buy a different vehicle if my 2006 Jeep Commander is totaled?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Auto insurance coverage information

Learning about specific coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Jeep Commander.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as surgery, X-ray expenses and dental work. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage protects you from damage that occurs to people or other property in an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like legal defense fees, repair bills for other people’s vehicles, bail bonds, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, hail damage, falling objects, a broken windshield and damage from flooding. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.