Lower Your 2008 Jeep Commander Car Insurance Rates

Think you have high-priced car insurance? Believe me, many drivers have buyer’s remorse.

Many insurers vie for your insurance dollar, and because of this it can be hard to compare car insurance companies to discover the definitive cheapest price

Choices you make can impact your insurance rates

It’s important that you understand the different types of things that go into determining the level of your policy premiums. When consumers understand what influences your rates, this allows you to make educated decisions that could help you find lower rates. Multiple criteria are part of the calculation when you get a price on insurance. A few of the factors are predictable such as your driving record, although some other factors are not as apparent like your vehicle usage or how financially stable you are.

The list below includes some of the factors companies use to determine rates.

• Your employer and auto insurance rates – Did you know your career choice can influence rates? Occupations like judgesairline pilots and financial analysts usually pay the highest rates because of intense work-related stress and incredibly demanding work hours. Other careers like scientists, historians and performers get better rates on Commander insurance.
• Your liability coverage limits – The liability coverage on your policy will afford coverage when you are determined to be liable for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
• Having a spouse can lower premiums – Being married can get you a discount on your auto insurance bill. Having a spouse usually means you are more stable financially and it’s proven that married drivers tend to file fewer claims.
• Gender is a factor – Statistics show that females tend to be a little less risky than males. Now that doesn’t mean women are better drivers. They both are in accidents in similar numbers, but the male of the species get into accidents with more damage. Men also tend to get higher numbers of serious violations like driving under the influence (DUI). Teenage male drivers have the highest risk to insure and therefore pay the highest rates.
• Rural vs Urban Areas – Choosing to live in areas with lower population is a good thing when buying auto insurance. People who live in big cities have to deal with traffic congestion and longer commute times. Less people translates into fewer accident claims as well as less vandalism and auto theft.
• Policy add-ons may be wasting money – Insurance companies have many extra bells and whistles that can add up when buying auto insurance. Insurance for things like vanishing deductibles, death and dismemberment, and motor club memberships are examples of these. These coverages may sound good when deciding what coverages you need, but if they’re wasting money remove them and pocket the money.

Cheaper auto insurance quotes with discounts

Companies do not list every discount they offer very well, so here is a list some of the more common and also the lesser-known auto insurance savings.

• Own a Home and Save – Being a homeowner can save you money because maintaining a house demonstrates responsibility.
• Pay Upfront and Save – By paying your policy upfront rather than spreading payments over time you can avoid the installment charge.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts can save up to 15% off the personal injury premium cost.
• Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a lower rate if you buy life insurance.
• No Charge for an Accident – This one is not really a discount per se, but some insurance companies will let one accident slide before your rates go up if your claims history is clear for a certain period of time.
• Low Mileage Discounts – Keeping the miles down on your Jeep could earn lower auto insurancerates on the low mileage vehicles.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Most cut individual premiums such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, it’s just not the way it works.

Larger auto insurance companies and some of the premium reductions they offer can be read below.

• State Farm policyholders can earn discounts including Drive Safe & Save, student away at school, multiple policy, passive restraint, and good student.
• Geico may offer discounts for emergency military deployment, seat belt use, five-year accident-free, anti-theft, anti-lock brakes, and driver training.
• Allstate may have discounts that include passive restraint, auto/life discount, teenSMART discount, anti-theft, economy car, FullPay discount, and safe driver.
• SAFECO includes discounts for multi-car, teen safe driver, teen safety rewards, bundle discounts, and drive less.
• Farm Bureau discounts include safe driver, renewal discount, multi-policy, driver training, multi-vehicle, good student, and youthful driver.
• Progressive offers discounts including online quote discount, continuous coverage, online signing, homeowner, good student, and multi-policy.
• AAA has savings for education and occupation, AAA membership discount, pay-in-full, multi-car, and anti-theft.

Before you buy a policy, ask every company the best way to save money. All car insurance discounts might not be offered on policies in your area.

Tailor your insurance coverage to you

When buying the best insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.

• Is there coverage for injuries to my pets?
• Am I covered if I crash into my own garage door?
• Should I buy more coverage than the required minimum liability coverage?
• How can I find cheaper teen driver insurance?
• I have health insurance so do I need medical payments coverage?
• Does car insurance cover theft of personal property?
• Does my insurance cover a custom paint job?
• Who is covered when they drive my 2008 Jeep Commander?

If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Car insurance 101

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types found on the average auto insurance policy.

Collision coverage protection

Collision insurance pays for damage to your Commander caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, sustaining damage from a pot hole, hitting a parking meter, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, vandalism, damage from a tornado or hurricane and hitting a bird. The highest amount a auto insurance company will pay at claim time 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 costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like surgery, funeral costs, pain medications and EMT expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM Coverage

This gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Jeep Commander.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Liability coverage

Liability insurance protects you from injuries or damage you cause to other people or property in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like emergency aid, medical expenses, pain and suffering, bail bonds and funeral expenses. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Spend less. Save more.

When searching for cheap auto insurance quotes, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, drivers have reduced uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage for the lowest cost, but don’t skip important coverages to save money.

The cheapest 2008 Jeep Commander insurance is available from both online companies and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies don’t offer price quotes online and most of the time these smaller providers work with local independent agencies.

Even more information can be found in the articles below:

• Senior Drivers (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)
• Information for Teen Drivers (Geico)
• Choosing an Insurance Company (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)