Lower Your 2010 Jeep Commander Insurance Cost

Finding cheaper insurance for a Jeep Commander can turn out to be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to buy car insurance and we’ll show you the quickest way to quote coverages for a Jeep and get the best price possible from both online companies and local agents.

Lots of discounts mean lots of savings

Insuring your vehicles can cost a lot, but companies offer discounts to help offset the cost. Most are applied at the time of quoting, but a few must be asked about in order for you to get them. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Safety Course Discount – Completing a course teaching defensive driving skills could save 5% or more if your company offers it.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Drive Less and Save – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount on Commander insurance depending on your company.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you may save approximately 10% to 15%.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will bring down your overall premium however.

For a list of providers with discount auto insurance rates, click this link.

Lesser-known factors impacting Jeep Commander insurance rates

Smart consumers have a good feel for the rating factors that come into play when calculating the rates you pay for insurance. Knowing what impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

  • Traffic violations increase rates – Drivers with clean records receive lower rates than people who have multiple driving citations. Only having one ticket may increase your cost by as much as thirty percent. Drivers who have severe citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
  • Younger drivers pay higher rates – Youthful drivers are statistically proven to be careless and easily distracted when behind the wheel so insurance rates are higher. Older insureds are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel.
  • Being married is a good thing – Being married can actually save you money on your insurance policy. Having a significant other translates into being more mature and responsible and statistics show married couples file fewer claims.
  • Never let your coverage lapse – Driving without insurance is illegal and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Multiple policies with one company can save – Many insurance companies will give a discount to people who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible.

Situations that might require an agent

When it comes to buying the best insurance coverage coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether you might need professional guidance.

  • What is no-fault insurance?
  • What is medical payments coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when driving someone else’s vehicle?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Can switching companies really save?

Consumers constantly see and hear ads for the lowest price auto insurance from the likes of Progressive, Geico, Allstate and State Farm. All the companies have a common claim about savings after switching your coverage to them.

How can each company claim to save you money? It’s all in the numbers.

All companies have a certain “appetite” for the driver that makes them money. For example, a preferred risk might be over the age of 40, is a homeowner, and has excellent credit. A customer who matches those parameters will get the preferred rates and as a result will probably cut their rates substantially.

Drivers who don’t measure up to these standards will be quoted higher premiums which leads to the customer not buying. The ad wording is “customers that switch” not “everybody who quotes” save that much money. That’s the way companies can truthfully make the claims of big savings.

This emphasizes why drivers should get as many comparisons as possible. You cannot predict which car insurance company will give you the biggest savings on Jeep Commander insurance.

Auto insurance policy coverages for a 2010 Jeep Commander

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, damage from a tornado or hurricane, damage from flooding, falling objects and hitting a deer. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for short-term medical expenses like EMT expenses, surgery and pain medications. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

This coverage covers damage to your Commander resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sideswiping another vehicle, sustaining damage from a pot hole, rolling your car, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for liability

Liability coverage can cover damages or injuries you inflict on other people or property in an accident. It protects you from claims by other people. Liability 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 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair bills for other people’s vehicles, bail bonds, pain and suffering, funeral expenses and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Spend less. Save more.

Insureds leave their current company for many reasons like poor customer service, extreme rates for teen drivers, delays in responding to claim requests and denial of a claim. No matter why you want to switch, choosing a new company is less work than it seems.

We’ve covered some good ideas how to lower your 2010 Jeep Commander insurance rates. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. You may even find the best prices are with some of the smallest insurance companies.

The cheapest insurance can be sourced online as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer online price quotes and most of the time these small insurance companies sell through independent agents.

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