Want to learn a better way to compare more affordable Jeep Commander insurance in El Paso? Being forced to pay for pricey car insurance premiums can bleed your personal savings and make it tough to pay other bills. Comparing rates annually is free and is an excellent way to reduce premiums and put more money in your pocket.
It's safe to assume that car insurance companies don't want you to look for cheaper rates. Drivers who shop around for cheaper price quotes will most likely move their business because there is a high probability of finding coverage at a more affordable price. A recent survey revealed that drivers who compared rates regularly saved approximately $3,450 over four years compared to people who never shopped for cheaper rates.
If finding the most affordable insurance is your goal, then having some knowledge of how to shop and compare insurance can help make the process easier and more efficient.
Steps to finding cheaper Jeep Commander insurance in El Paso
If you want to save money, the best way to find low-cost prices for auto insurance rates is to compare prices at least once a year from companies that insure vehicles in El Paso.
- First, try to learn about coverages and the things you can control to prevent rate increases. Many policy risk factors that increase rates like at-fault accidents, speeding tickets, and a not-so-good credit rating can be eliminated by making minor changes to your lifestyle. Read the full article for more information to prevent expensive rate increases and find possible discounts that are available.
- Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or Allstate, while agents who are independent can provide price quotes for a wide range of insurance providers.
- Third, compare the new rate quotes to your current policy premium to see if a cheaper price is available. If you find a better price and switch companies, ensure there is no coverage lapse between policies.
One thing to point out is that you use the same physical damage deductibles and liability limits on each price quote and and to analyze all possible companies. Doing this enables a level playing field and a complete selection of prices.
People have many insurers to pick from, and although it's a good thing to be able to choose, lots of choices makes it harder to adequately compare rates for Jeep Commander insurance in El Paso.
It's a good idea to check car insurance prices occasionally since insurance prices trend upward over time. Even if you think you had the best price on Jeep Commander insurance in El Paso at your last renewal the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because I'm going to teach you how to use the internet to save on car insurance.
Finding and comparing affordable policy in El Paso is not as difficult as people think. Essentially everyone who requires lower cost car insurance will probably buy a cheaper policy. Although Texas consumers should learn how big insurance companies calculate your car insurance rates and use it to your advantage.
Jeep Commander coverage statistics
The coverage table displayed next covers detailed analysis of policy rates for Jeep Commander models. Having a good understanding how insurance prices are formulated can be of help when making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $358 | $580 | $388 | $24 | $116 | $1,466 | $122 |
| Commander Sport 4WD | $358 | $684 | $388 | $24 | $116 | $1,570 | $131 |
| Commander Limited 2WD | $400 | $684 | $388 | $24 | $116 | $1,612 | $134 |
| Commander Limited 4WD | $400 | $684 | $388 | $24 | $116 | $1,612 | $134 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Table data does not factor in specific garaging location which can alter coverage prices greatly.
Premiums by gender and age
The information below compares Jeep Commander auto insurance costs for male and female drivers. The information is based on no accidents, no driving violations, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.
The coverage is in the details
Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Coverage for liability
Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 30/60/25 which stand for a limit of $30,000 per injured person, a total of $60,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage protects against things like bail bonds, emergency aid, funeral expenses, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a decision to put some thought into, but it's cheap coverage so purchase as large an amount as possible. Texas state law requires minimum liability limits of 30/60/25 but you should think about purchasing more coverage.
The illustration below shows why low liability limits may not be adequate coverage.
Insurance for medical payments
Coverage for medical payments and/or PIP provide coverage for bills for X-ray expenses, ambulance fees and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance
This provides protection when the "other guys" either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle's occupants as well as damage to your Jeep Commander.
Since many Texas drivers have only the minimum liability required by law (30/60/25 in Texas), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually these coverages are identical to your policy's liability coverage.
Collision coverage protection
This pays for damage to your Commander resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like sustaining damage from a pot hole, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible on your Commander to get cheaper collision coverage.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. 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 rock chips in glass, damage from a tornado or hurricane, hitting a deer and hitting a bird. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
More quotes mean more auto insurance savings
When getting El Paso auto insurance quotes online, never reduce needed coverages to save money. There are too many instances where an insured cut collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at the best price, but don't skip important coverages to save money.
We covered a lot of tips how to shop for Jeep Commander insurance online. The key concept to understand is the more quotes you get, the better likelihood of getting affordable El Paso auto insurance quotes. You may even find the lowest priced auto insurance comes from a smaller regional carrier.
Some insurance providers do not provide internet price quotes and these regional insurance providers provide coverage only through local independent agencies. The cheapest Jeep Commander insurance in El Paso is attainable from both online companies and also from your neighborhood El Paso agents, and you should compare rates from both so you have a total pricing picture.
Steps to saving on Jeep Commander insurance in El Paso
The recommended way to get discount auto insurance rates in El Paso is to start comparing prices yearly from providers who can sell car insurance in Texas.
First, read and learn about how companies set rates and the steps you can take to drop your rates. Many factors that drive up the price like distracted driving and a less-than-favorable credit score can be improved by making small lifestyle or driving habit changes.
Second, compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates from multiple insurance companies.
Third, compare the new rates to the price on your current policy and see if you can save money. If you find a lower rate and make a switch, make sure there is no lapse in coverage.
Fourth, provide notification to your current company of your intent to cancel your current coverage. Submit a down payment and signed policy application for your new coverage. As soon as you can, place the new certificate verifying proof of insurance with the vehicle registration.
One important bit of advice is to make sure you enter similar limits and deductibles on every quote request and and to get price quotes from as many different companies as possible. Doing this helps ensure an apples-to-apples comparison and a thorough selection of prices.
Additional auto insurance information can be read at these links:
- What Does No-Fault Insurance Cover? (Allstate)
- Teen Driving Statistics (GEICO)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)