2010 Jeep Commander Insurance Quotes – 5 Tips for Best Rates

Looking for the cheapest insurance coverage rates for your Jeep Commander? Finding the cheapest insurance for your Jeep Commander can normally be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to shop for insurance coverage and we’ll show you the proper way to price shop coverage for a Jeep and find the best price possible either online or from local insurance agents.

Low cost auto insurance prices

Getting a low cost price on 2010 Jeep Commander insurance is not rocket science. All that’s required is to invest a few minutes to compare rate quotes online with multiple companies. This can be done using a couple different methods.

  1. Without a doubt, the easiest way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This style of form prevents you from having to do separate quotation requests for every auto insurance company. A single, simple form gets insurance cost estimates direct from many companies. It’s the fastest way to compare.
  2. Another way to find lower rates consists of visiting the website for every company you want to comare to complete their respective quote request forms. For example, we’ll assume you need rates from USAA, 21st Century and Geico. In order to compare rates, you need to go to every website and punch in your information repeatedly, which can get rather old. For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but try to use identical deductibles and coverage limits on every quote. If you enter unequal deductibles or liability limits you will not be able to get a fair rate comparison.

Lower rate quotes by taking advantage of these five discounts

Auto insurance is not an enjoyable expense, but you may qualify for discounts to reduce the price significantly. A few discounts will automatically apply at quote time, but some may not be applied and must be requested specifically before being credited. If you are not receiving all the discounts possible, you may be paying too high a price.

  • Anti-theft Discount – Vehicles optioned with advanced anti-theft systems help deter theft so companies will give you a small discount.
  • Own a Home and Save – Owning a house can save you money because of the fact that having a home requires a higher level of personal finance.
  • Bundled Policy Discount – When you combine your auto and homeowners insurance and insure them with the same company you may save 10% to 20% off each policy.
  • Good Grades Discount – This discount can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
  • Low Miles Discount – Maintaining low annual mileage may enable drivers to earn lower auto insurancerates on the low mileage vehicles.

A quick disclaimer, most of the big mark downs will not be given to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, you aren’t that lucky.

Popular auto insurance companies and some of their more popular discounts can be read below.

  • Farmers Insurance offers discounts including alternative fuel, pay in full, distant student, mature driver, electronic funds transfer, switch companies, and business and professional.
  • State Farm may have discounts that include good driver, Steer Clear safe driver discount, safe vehicle, passive restraint, and good student.
  • Liberty Mutual discounts include newly married, new graduate, multi-car, multi-policy, preferred payment discount, hybrid vehicle, and new move discount.
  • MetLife may offer discounts for good student, accident-free, multi-policy, good driver, claim-free, defensive driver
  • Progressive includes discounts for online signing, homeowner, multi-policy, good student, and online quote discount.

When getting a coverage quote, ask every company to give you their best rates. Depending on the company, some discounts may not apply in your area.

How much insurance do I need?

When choosing coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions could help you determine if you might need an agent’s assistance.

  • How do I file an SR-22 for a DUI in my state?
  • Is my 2010 Jeep Commander covered for smoke damage?
  • Which is better, split liability limits or combined limits?
  • Am I covered when driving in Canada or Mexico?
  • Who is covered when they drive my 2010 Jeep Commander?
  • Is my babysitter covered when using my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage basics

Knowing the specifics of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement.

Auto liability insurance

Liability insurance provides protection from damage or injury you incur to other’s property or people in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like funeral expenses, repair costs for stationary objects, attorney fees, medical services and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as theft, falling objects, damage from a tornado or hurricane and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Jeep Commander.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses like pain medications, nursing services, doctor visits, funeral costs and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage protection

Collision coverage pays for damage to your Commander from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like backing into a parked car, hitting a parking meter, rolling your car, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Save for a rainy day

Affordable 2010 Jeep Commander insurance is attainable on the web as well as from insurance agents, so you need to shop car insurance with both to have the best chance of lowering rates. There are still a few companies who may not offer rates over the internet and most of the time these regional insurance providers only sell through independent agents.

Insureds leave their current company for many reasons like unfair underwriting practices, poor customer service, questionable increases in premium or even delays in paying claims. It doesn’t matter what your reason, finding a great new company is pretty easy and you might even save some money in the process.

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, an insured dropped comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. Your focus should be to buy a smart amount of coverage at a price you can afford, but do not skimp to save money.

Additional information can be read on the following sites: