How Much Does 2009 Jeep Commander Car Insurance Cost?

Looking for cheaper car insurance rates for your Jeep Commander? Nobody I know likes buying car insurance, especially when they know they could find better rates elsewhere.

Drivers have multiple insurance companies to pick from, and although it’s a good thing to have multiple companies, so many choices can make it hard to find the lowest rates.

Smart consumers take time to compare premium rates occasionally because prices are usually higher with each renewal. Just because you found the best rates on Commander insurance last year a different company probably has better rate quotes today. Forget all the misinformation about car insurance because I’m going to teach you one of the quickest ways to remove unneeded coverages and save money.

The purpose of this post is to let you in on how to get online quotes and some money-saving tips. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. But vehicle owners must know how big insurance companies sell insurance online because it can help you find the best coverage.

Cheap insurance quotes with discounts

Companies that sell car insurance don’t necessarily list every discount very clearly, so here is a list some of the best known in addition to some of the lesser obvious ways to save on insurance.

  • Student Driver Training – Teen drivers should complete a driver education course in school.
  • Multi-car Discount – Buying a policy with multiple cars with one company could earn a price break for each car.
  • Good Student Discount – Being a good student could provide a savings of up to 20% or more. The discount lasts up to age 25.
  • Employee of Federal Government – Being employed by or retired from a federal job could qualify for a slight premium decrease on Commander insurance with a few insurance companies.
  • Anti-theft Discount – Cars equipped with anti-theft or alarm systems can help prevent theft and can earn a small discount on your policy.
  • Defensive Driver Discount – Passing a course in driver safety may get you a small discount and make you a better driver.
  • Payment Discounts – By paying your policy upfront as opposed to paying monthly you can avoid the installment charge.
  • Fewer Miles Equal More Savings – Driving less may enable drivers to earn substantially lower prices.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy auto and life insurance together.
  • Bundle and Save – When you have multiple policies with one insurance company you may earn approximately 10% to 15%.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, nobody gets a free ride. Any amount of discount will positively reduce the amount you have to pay.

To find providers with significant discounts, click here.

What impacts Jeep Commander insurance premiums?

The best way to find cheaper insurance is to take a look at some of the elements that help determine your premiums. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to lower rates.

The factors shown below are most of the major factors insurance companies consider when setting your prices.

  • Where you reside is a factor – Choosing to live in smaller towns and rural areas of the country has it’s advantages when talking about insurance. Urban drivers have congested traffic and much longer commute distances. Fewer people means reduced accidents and a lower car theft rate.
  • Liability protection preserves assets – Liability insurance is the protection when you are determined to be liable for damages from an accident. Your policy’s liability insurance provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to comp and collision, so buy as much as you can afford.
  • See if your company offers a multi-policy discount – Lots of companies apply discounts to clients who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, you may still want to check prices from other companies to make sure you are getting the best deal.There is a chance you can find better rates by splitting coverages up.
  • Safer vehicles means lower rates – Vehicles with high crash test scores cost less to insure. These vehicles reduce occupant injuries and fewer serious injuries means lower claim amounts and more competitive rates for policyholders.
  • Tickets and citations cost more than a fine – Getting just one ticket could increase your next policy renewal by as much as thirty percent. Careful drivers get better prices than bad drivers. Drivers who have received careless citations such as reckless driving, hit and run or driving under the influence may find that they have to to prove financial responsibility with their state’s licensing department in order to keep their license.
  • Extra policy coverages push up costs – Policies have optional add-on coverages that may not really be needed on your Commander policy. Things like coverage for rental cars, better glass coverage, and Farm Bureau memberships may not be needed and are just wasting money. They may sound like good ideas when buying your policy, but your needs may have changed so consider taking them off your policy.
  • Which gender costs less? – Statistics have proven that females take fewer risks when driving. This data doesn’t prove that females are better at driving than males. Women and men are in accidents in similar percentages, but the male of the species have costlier accidents. Men also get more serious tickets like DUI and reckless driving.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you will benefit from professional help.

  • Can I afford low physical damage deductibles?
  • Do I really need UM/UIM coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • When should I drop full coverage on my 2009 Jeep Commander?
  • Who is covered when they drive my 2009 Jeep Commander?
  • How much can I save by bundling my policies?
  • Am I covered if my car is in a flood?
  • Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Don’t believe everything you hear

Insurance companies such as 21st Century, Allstate and State Farm regularly use ads on TV and radio. They all seem to say the same thing that drivers can save some big amount after switching your coverage. How do they all give you a better price? This is how they do it.

Many companies can use profiling for a prospective insured that will most likely be profitable. One example of a profitable risk profile might be over the age of 40, has no claims, and drives a safe vehicle. Any new insured who matches those parameters will get a cheap rate quote and will save a lot if they switch.

People who fall outside this ideal profile must pay higher rates and ends up with business going elsewhere. Company advertisements say “customers that switch” not “all people who quote” save that much. That’s the way companies can state the savings.

Because every company is different, drivers must do a quote comparison often. It’s impossible to know which insurance company will give you lower prices than your current company.

Auto insurance coverages and their meanings

Learning about specific coverages of auto insurance can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types available from auto insurance companies.

Collision – This covers damage to your Commander resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like driving through your garage door, hitting a parking meter, sideswiping another vehicle, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Commander.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Comprehensive coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, vandalism and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability – Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which stand for 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. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as medical services, court costs, pain and suffering and bail bonds. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like X-ray expenses, rehabilitation expenses, nursing services and prosthetic devices. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Pennies from heaven

When getting car insurance quotes online, you should never reduce needed coverages to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. The ultimate goal is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

You just learned quite a bit of information on how to save on 2009 Jeep Commander insurance. The key concept to understand is the more price quotes you have, the higher your chance of finding inexpensive car insurance. Consumers may even find the lowest priced insurance comes from an unexpected company. These companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as State Farm and Allstate.

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