2006 Jeep Commander Car Insurance Quotes

Trying to find the cheapest insurance for your Jeep Commander can normally be an all-consuming task, but you can learn our insurance buying tips to make it easier. There are more efficient ways to buy insurance and you need to know the quickest way to price shop coverage for your Jeep and find the best price possible from both online companies and local agents.

Consumers should take time to compare rates before your next renewal because rates change frequently. Despite the fact that you may have had the best deal for Commander coverage a year ago other companies may now be cheaper. Ignore everything you know about insurance because you’re about to learn the proper way to save money, get proper deductibles and limits, all at the lowest rate.

Take advantage of every car insurance discount

Some insurance providers don’t always publicize every discount they offer very well, so the next list breaks down some of the best known and also the more inconspicuous savings tricks you should be using when you buy insurance online. If you do not check that you are getting every discount you qualify for, you could be getting lower rates.

• Accident Waiver – Not necessarily a discount, but certain companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
• Bundle and Save – If you have multiple policies with one company you may earn up to 20% off your total premium.
• Accident Free – Insureds who avoid accidents and claims have much lower rates compared to frequent claim filers.
• Responsible Driver Discounts – Safe drivers may save up to 50% more for Commander coverage compared to rates paid by drivers with frequent claims.
• Driver Training Discounts – Taking time to complete a course that instructs on driving safety could possibly earn you a 5% discount depending on where you live.
• Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts may get savings of 20 to 30 percent.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents so companies give up to a 10% discount.
• Low Mileage Discounts – Low annual miles could be rewarded with lower prices on the low mileage vehicles.
• Theft Deterent System – Cars optioned with advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
• Club Memberships – Participating in a qualifying organization may earn a discount on your next renewal.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, you aren’t that lucky.

To find insurance companies that can offer you the previously mentioned discounts, click this link.

Seven factors that influence insurance prices

Many different elements are taken into consideration when pricing auto insurance. Most are fairly basic like an MVR report, although some other factors are less apparent like where you live or your commute time.

• Where you live plays a part – Residing in less populated areas has it’s advantages when buying auto insurance. Urban drivers tend to have more traffic problems and more severe claims. Fewer drivers on the road translates into fewer accident claims and a lower car theft rate.
• Low stress occupation equals lower rates – Careers like fire fightersair traffic controllers and accountants tend to pay the highest average rates due to job stress and lots of time spent away from family. On the other hand, jobs like actors, engineers and performers pay the least for Commander coverage.
• Higher comp and collision deductibles are cheaper – Comprehensive and collision coverage deductibles state the amount of money you are required to spend if a claim is determined to be covered. Insurance for physical damage, aka comp and collision, insures against damage to your car. Examples of covered claims are a windshield broken by a bird, damage from fire, and damage from wind. The more damage repair cost you have to pay, the better rate you will receive for Commander coverage.
• Extra policy coverages that may not be needed – There are a lot of additional extra coverages that sound like a good idea at the time if you aren’t diligent. Coverages like personal injury protection, accidental death, and membership fees are examples of these. They may seem good at first, but your needs may have changed so remove them and pocket the money.
• Low mileage costs less – Driving a lot of miles in a year’s time the higher your rate. Most companies rate vehicles based on their usage. Autos that sit idle most of the time receive lower rates than cars that get driven a lot. It’s a smart idea to ensure your policy properly reflects how each vehicle is driven, because it can save money. An improperly rated Commander may be wasting your money.
• Always keep your coverage in place – Having a lapse in insurance coverage can be a quick way to increase your auto insurance rates. In addition to paying higher rates, failure to provide proof of insurance could earn you a hefty fine and possibly a revoked license.
• Better prices on safer cars – Vehicles that have high safety ratings are cheaper to insure. Safer cars reduce injuries and lower injury rates means lower claim amounts and cheaper rates on your policy. If your Jeep Commander has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

How to know if you need help

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether you will benefit from professional help.

• What is medical payments coverage?
• Does coverage extend to Mexico or Canada?
• When should I not file a claim?
• Do I really need UM/UIM coverage?
• Is my camper covered by my car insurance policy?
• What if I total my 2006 Jeep Commander and owe more than it’s worth?
• Am I covered if my car is in a flood?
• Does coverage extend to my business vehicle?
• Does insurance cover tools stolen from my truck?
• Am I missing any policy discounts?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Why you might not save $447 a year

Consumers can’t avoid all the ads that claim the best auto insurance rates from companies such as Allstate and Progressive. All the ads make the same claim about saving some big amount if you switch your policy.

How does each company give you a lower rate? This is how they do it.

Insurance companies are able to cherry pick for the type of customer that will not have excessive claims. For example, this type of driver might be over the age of 35, has no prior claims, and has great credit. Someone who fits those characteristics will probably get cheap prices and will also save a lot of money.

Potential customers who don’t qualify for these stringent criteria will probably have to pay a higher premium and this can result in business going elsewhere. If you pay close attention to the ads, they say “people that switch” but not “all drivers who get quotes” save that kind of money. This is how insurance companies can confidently make those statements. This illustrates why drivers should do a price quote comparison at every renewal. It is impossible to guess the company that will have the best rates at this point in time.

Insurance coverages explained

Having a good grasp of insurance can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Jeep Commander.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision coverage – This coverage pays for damage to your Commander caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like crashing into a ditch, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability coverages – Liability insurance will cover damage that occurs to other’s property or people by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like repair costs for stationary objects, court costs, medical services and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, fire damage and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like chiropractic care, rehabilitation expenses, X-ray expenses and hospital visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers all vehicle 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 can be used in place of medical payments coverage

What is YOUR best insurance company?

We’ve covered many tips how you can get a better price on 2006 Jeep Commander insurance. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding affordable insurance. Drivers may discover the lowest rates come from an unexpected company.

The cheapest 2006 Jeep Commander insurance is possible on the web and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not offer internet price quotes and usually these small insurance companies sell through independent agents.

As you quote insurance, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped liability coverage limits and learned later that the small savings ended up costing them much more. The goal is to get the best coverage possible for the lowest cost while still protecting your assets.

Additional detailed information is available by following these links:

• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Young Drivers: The High Risk Years Video (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)