2009 Jeep Commander Car Insurance Rates – 5 Savings Tips

Trying to find lower insurance rates for your Jeep Commander? Wish you could get out of an expensive insurance policy? Trust us when we tell you there are lots of people in the same boat.

Many auto insurance companies vie to insure your vehicles, and it can be difficult to compare rates to find the absolute lowest rate

Find hidden discounts on insurance

Some insurers don’t always list every discount very clearly, so the following is a list of some of the more common and also the more inconspicuous discounts that may be available.

  • Online Discount – Some of the larger companies provide a small discount for buying your policy on the internet.
  • No Claims – Insureds who avoid accidents and claims pay less in comparison to frequent claim filers.
  • One Accident Forgiven – Not necessarily a discount, but certain companies will forgive one accident without raising rates with the catch being you have to be claim-free for a specific time period.
  • Resident Student – Kids who live away from home at college without a vehicle on campus can receive lower rates.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage may enable drivers to earn substantially lower insurancerates.

Don’t be surprised that some credits don’t apply to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.

The best insurance companies and some of their more popular discounts are:

  • GEICO discounts include federal employee, military active duty, emergency military deployment, anti-lock brakes, five-year accident-free, daytime running lights, and anti-theft.
  • MetLife offers discounts including accident-free, claim-free, good student, multi-policy, good driver, defensive driver
  • Progressive may have discounts that include homeowner, multi-policy, multi-vehicle, online signing, and continuous coverage.
  • Travelers includes discounts for save driver, IntelliDrive, new car, student away at school, multi-policy, and continuous insurance.
  • SAFECO policyholders can earn discounts including bundle discounts, teen safe driver, multi-car, safe driver, and homeowner.
  • AAA has discounts for anti-theft, multi-car, good driver, education and occupation, good student, and AAA membership discount.

It’s a good idea to ask all companies you are considering which discounts they offer. Some of the discounts discussed earlier may not be offered in every state. If you would like to view companies that offer many of these discounts, click here to view.

How to lower your insurance coverage cost

The are a couple different ways to compare prices from all the different companies. The best method to compare rates is to perform an online rate comparison. This is quite simple and can be completed in a couple of different ways.

The recommended way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This easy form prevents you from having to do a different quote for every insurance coverage company. A single form gets prices estimates from all major companies.

A more difficult way to find more affordable insurance consists of visiting each individual company website and fill out their own quote form. For instance, let’s say you want to compare rates from Progressive, Allstate and Travelers. You would need to take the time to go to each site and repeatedly enter your information, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, be certain you are entering identical deductibles and coverage limits on every quote. If you have unequal deductibles or liability limits it’s impossible to get a fair rate comparison. Having just a slight variation in limits can result in a big premium difference. Just keep in mind that quoting more helps you find the best rates.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might point out if you would benefit from professional advice.

  • Is business equipment covered while in my vehicle?
  • If my pet gets injured in an accident are they covered?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I pay less for low miles?
  • Exactly who is provided coverage by my policy?
  • Is pleasure use cheaper than using my 2009 Jeep Commander to commute?
  • Who is covered when they drive my 2009 Jeep Commander?
  • Do I need rental car coverage?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Coverage specifics

Understanding the coverages of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages offered by insurance companies.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, crashing into a ditch, damaging your car on a curb, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

UM/UIM Coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Liability coverages

Liability coverage will cover damage that occurs to other people or property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like emergency aid, medical expenses, funeral expenses, structural damage and bail bonds. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, a tree branch falling on your vehicle, a broken windshield and hitting a deer. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses for things like doctor visits, prosthetic devices, pain medications, hospital visits and rehabilitation expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

A fool and his money are soon parted

We just presented a lot of information how to compare 2009 Jeep Commander insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the biggest savings come from an unexpected company. Smaller companies often have lower rates on specific markets as compared to the big name companies such as State Farm, GEICO and Nationwide.

When getting insurance quotes online, do not reduce coverage to reduce premium. In many instances, someone sacrificed uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. Your focus should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

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