Best Quotes for Jeep Commander Insurance in Tampa

Insurance for Jeep CommanderGetting budget-priced Tampa Jeep Commander insurance quotes might appear somewhat difficult for people that are not comfortable with quoting and buying their auto insurance online. With so many insurance agents and online companies, how can anyone have time to compare every auto insurance company to find better auto insurance prices?

A recent study revealed that nearly 70% of customers renewed their policy with the same company for well over three years, and virtually 40% of consumers have never compared rates with other companies. Drivers in the United States could save an average of approximately $850 each year by just comparing quotes, but most just don’t grasp the large savings they would see if they swap their current policy for a cheaper one.

It’s a great practice to get comparison quotes periodically because auto insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best quotes on Jeep Commander insurance in Tampa six months ago a different company probably has better rates today. Forget all the misinformation about auto insurance because you’re going to learn one of the easiest ways to find better rates and still maintain coverage.

The are a couple different ways to compare prices from different Tampa insurance companies. One of the best ways to find the cheapest insurance rates is to get quotes online. When comparison shopping, comparing a large number of companies helps improve the odds of finding more affordable insurance. Some companies don’t provide online rate quotes, so you also need to get price estimates from them, too.

The companies in the list below offer price comparisons in Tampa, FL. If multiple companies are listed, we suggest you visit several of them to find the most competitive car insurance rates.

Auto insurance statistics and figures

The coverage table shown below highlights estimates of policy rates for Jeep Commander models. Learning a little about how insurance premiums are determined can help you make smart choices when choosing a car insurance company.

Jeep Commander Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $216 $386 $542 $32 $162 $1,338 $112
Commander Sport 4WD $216 $454 $542 $32 $162 $1,406 $117
Commander Limited 2WD $240 $454 $542 $32 $162 $1,430 $119
Commander Limited 4WD $240 $454 $542 $32 $162 $1,430 $119
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Premium costs do not factor in specific Tampa garaging location which can alter rates greatly.

Raise deductibles and save

When buying auto insurance, a common question is how low should you set your deductibles. The following insurance rates may help you to understand the cost difference between high and low insurance deductibles. The first rate quote example uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.

Jeep Commander insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $406 $648 $418 $24 $124 $1,645 $137
Commander Sport 4WD $406 $764 $418 $24 $124 $1,761 $147
Commander Limited 2WD $452 $764 $418 $24 $124 $1,807 $151
Commander Limited 4WD $452 $764 $418 $24 $124 $1,807 $151
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Jeep Commander insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $296 $438 $418 $24 $124 $1,300 $108
Commander Sport 4WD $296 $516 $418 $24 $124 $1,378 $115
Commander Limited 2WD $330 $516 $418 $24 $124 $1,412 $118
Commander Limited 4WD $330 $516 $418 $24 $124 $1,412 $118
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Information does not factor in zip code location which can change insurance rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $32 more each month or $384 for a full year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 13 months between claim filings, you would come out ahead if you choose a higher deductible. Here is a better example of how you can make this decision for your own policy.

Average monthly premium for $100 deductibles: $147
Average monthly premium for $500 deductibles (subtract): – $115
Monthly savings from raising deductible: $32
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One thing to be aware of is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you do file a claim. That will necessitate some savings in the bank in the event you need to pay more for the deductible.

Jeep Commander insurance premiums by gender and age

The information below illustrates the difference between Jeep Commander auto insurance rates for male and female drivers. The premium estimates are based on no claims or driving violations, comp and collision included, $1,000 deductibles, single marital status, and no discounts are factored in.

Jeep Commander full coverage rates compared to liability only

The example below illustrates the difference between Jeep Commander insurance costs with full coverage and liability only. Data assumes no claims or violations, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

Should you buy full coverage or liability only?

There is no definitive rule of when to phase out comp and collision coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s assume your Jeep Commander replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after the policy deductible has been paid. If premiums are more than $300 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some scenarios where dropping physical damage coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Three main reasons to buy insurance

Despite the high cost, insurance serves an important purpose.

First, almost all states have minimum liability requirements which means you are required to buy specific minimum amounts of liability insurance in order to drive the car legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a lien on your Commander, it’s most likely the lender will require you to have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the lender may insure your Jeep at a significantly higher premium and force you to reimburse them for the expensive policy.

Third, insurance preserves both your vehicle and your assets. It also can pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees in the event you are sued. If your Jeep gets damaged, collision and comprehensive coverages will pay to have it repaired.

The benefits of having insurance definitely exceed the price paid, especially when you need to use it. On average, a vehicle owner in Tampa is overpaying over $830 a year so it’s recommended you shop around each time the policy renews to ensure rates are competitive.

Jeep Commander Insurance Prices Can Be More Affordable

The best way to find cheaper auto insurance is to take a look at the different types of things that help determine the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that may result in big savings.

The following are some of the factors that factor into prices.

Eliminate unneeded extra coverages – Insurance policies have a lot of extra coverages that you can buy if you aren’t careful. Insurance for personal injury protection, high-cost glass coverage, and term life insurance are some examples. They may seem like a good idea when discussing your needs, but if you’ve never needed them in the past think about removing them and cutting costs.

Careless drivers pay higher costs – A bad driving record influences premium rates substantially. Just one driving citation can bump up the cost forty percent or more. Attentive drivers tend to pay less for car insurance as compared to those with violations. Drivers who have gotten dangerous tickets like reckless driving, hit and run or driving under the influence are required to prove financial responsibility to the state department of motor vehicles in order to legally drive a vehicle.

The diagram below illustrates how speeding tickets and fender-benders increase Jeep Commander car insurance rates for each different age group. Data assumes a married female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

Big cities have higher costs – Living in smaller towns and rural areas of the country can be a good thing when buying auto insurance. Fewer drivers and short commutes translates into fewer accident claims and lower theft and vandalism rates. People in densely populated areas tend to have more traffic problems and longer commute times. Higher commute times can result in more accidents.

Cheaper rates with high comp and collision deductibles – Physical damage protection, also called comprehensive and collision insurance, covers your vehicle from damage. Some instances where coverage would apply would be collision with another vehicle, damage caused by hail, and having your car stolen. The deductibles tell how much the insured will be required to pay in the event of a claim. The larger the amount you’re willing to pay, the less your auto insurance will be.

Costs go up with performance – The performance of the car, truck or SUV you are trying to find cheaper insurance for makes a significant difference in your auto insurance rates. The cheapest insurance rates are generally reserved for lower cost passenger vehicles, but there are many factors that impact the final cost.

The data below uses these assumptions: single male driver age 40, full coverage with $250 deductibles, and no discounts or violations. It shows Jeep Commander car insurance rates compared to other makes and models that have a range of performance rating factors.

Save money with GPS tracking and theft deterrents – Choosing a vehicle with an alarm system can save you a little every year. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms can help prevent auto theft.

Auto insurance rates and your vocation – Did you know your auto insurance rates can be affected by your occupation? Occupations such as judges, air traffic controllers, and miners tend to have the highest rates in part from intense work situations and lots of time spent away from family. On the flip side, occupations like farmers, historians and homemakers get better rates.

How much liability coverage – The liability coverage on your policy will afford coverage in the event that you are found to be at fault for causing personal injury or damage in an accident. Liability provides legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.

How much can you save?

Cost effective Jeep Commander insurance is available online and with local Tampa insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies may not offer rates over the internet and usually these regional carriers only sell through independent insurance agencies.

You just learned a lot of ways to shop for Jeep Commander insurance online. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers may even find the lowest priced insurance comes from the smaller companies.

While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

Steps to finding discount Jeep Commander insurance in Tampa

If saving the most money is your goal, then the best way to save money on Jeep Commander insurance in Tampa is to compare prices regularly from insurance carriers who provide car insurance in Florida.

Step 1: Spend some time learning about what coverages are included in your policy and the things you can change to keep rates low. Many factors that are responsible for high rates like inattentive driving and a low credit rating can be controlled by making minor changes in your lifestyle.

Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like GEICO or Allstate, while independent agents can provide rate quotes from multiple sources.

Step 3: Compare the new quotes to your existing policy to determine if you can save on Commander insurance in Tampa. If you find better rates, verify that coverage does not lapse between policies.

The key thing to know about shopping around is to try to use the same level of coverage on each quote request and and to compare as many companies as possible. Doing this ensures the most accurate price comparison and a better comparison of the market.

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