Cheap Jeep Commander Insurance in San Diego

Discount Jeep Commander insuranceDo you need a better way to compare more competitive insurance rates in San Diego, CA? San Diego shoppers have many options when shopping for low-cost Jeep Commander insurance. They can either waste time driving around trying to get quotes or utilize the internet to make rate comparisons.

There is a better way to find insurance online and we’ll show you the absolute fastest way to quote coverages for a new or used Jeep and obtain the best price possible from San Diego insurance agents and online providers.

Inconceivable but true, a large majority of insurance policyholders have stayed with the same insurance company for more than four years, and practically 40% of insurance customers have never even compared rates from other companies. California insurance shoppers can save roughly $500 each year just by comparing rates, but most undervalue the amount of money they would save if they just switched companies.

It’s a good habit to take a look at other company’s rates every six months because rates are rarely the same from one policy term to another. Just because you had the lowest premium rates on Jeep Commander insurance in San Diego a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to how to use online quotes to lower your rates without sacrificing coverage.

Our goal is to teach you the most effective ways to compare rates and some tips to save money. If you are insured now, you should be able to get lower rates using the ideas you’re about to read. Shoppers just need to use the fastest way to compare rate quotes from many different companies online.

Most major insurance companies allow you to get prices for coverage from their websites. Comparing Jeep Commander insurance rates online doesn’t take much effort as all you need to do is type in your personal and coverage information into the form. After the form is submitted, the quote system will order reports for credit and driving violations and returns a price based on many factors.

This streamlines rate comparisons, and it’s very important to do this in order to find the lowest payment possible.

To save time and compare pricing, compare rates from the companies below. If you have coverage now, it’s recommended you enter your coverages exactly as shown on your declarations page. This makes sure you will be getting a rate comparison for similar insurance coverage.

The companies shown below have been selected to offer comparison quotes in California. If multiple companies are listed, it’s highly recommended you compare several of them to find the lowest car insurance rates.

Jeep Commander Insurance Cost Estimates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $348 $570 $596 $36 $178 $1,728 $144
Commander Sport 4WD $332 $664 $464 $28 $138 $1,626 $136
Commander Limited 2WD $412 $834 $500 $30 $150 $1,926 $161
Commander Limited 4WD $388 $672 $596 $36 $178 $1,870 $156
Get Your Own Custom Quote Go

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rates do not factor in vehicle garaging location which can influence premium rates significantly.

How high should deductibles be?

When comparing auto insurance rates, the most common question is how low should you set your deductibles. The comparisons below can help you visualize how much more rates are between low and high comp and collision deductibles. The first rate table uses a $100 deductible and the second price grid uses a $1,000 deductible.

Jeep Commander insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $430 $686 $442 $26 $132 $1,741 $145
Commander Sport 4WD $430 $810 $442 $26 $132 $1,865 $155
Commander Limited 2WD $478 $810 $442 $26 $132 $1,913 $159
Commander Limited 4WD $478 $810 $442 $26 $132 $1,913 $159
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Jeep Commander insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $238 $362 $442 $26 $132 $1,200 $100
Commander Sport 4WD $238 $426 $442 $26 $132 $1,264 $105
Commander Limited 2WD $266 $426 $442 $26 $132 $1,292 $108
Commander Limited 4WD $266 $426 $442 $26 $132 $1,292 $108
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Prices do not factor in specific garaging location which can impact premium rates greatly.

Based on this data, using a $100 deductible would cost the average driver about $50 more each month or $600 each year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go at least 18 months between claim filings, you would probably be better off going with the higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $100 deductibles: $155
Average monthly premium for $1,000 deductibles (subtract): – $105
Monthly savings from raising deductible: $50
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $50
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One important issue to know is that increasing deductibles to lower your rates results in a higher out-of-pocket expense when you have a claim. It will be required that you have some funds available in the event you have to pay the higher deductible.

Should you raise deductibles?

The chart below shows how choosing a deductible and can impact Jeep Commander insurance premiums for each different age group. The data is based on a married female driver, full physical damage coverage, and no other discounts are factored in.

Protect your Jeep Commander and other assets

Despite the high insurance cost for a Jeep Commander in San Diego, insurance serves several important purposes.

The benefits of insuring your car definitely exceed the price paid, particularly if you ever have a claim. Unknowingly, the average driver is currently overpaying as much as $869 every year so we recommend shopping around at every renewal to be sure current rates are still competitive.

Lower-cost San Diego auto insurance rates with discounts

Companies don’t always publicize their entire list of discounts very clearly, so we researched both the well known and the more hidden discounts that may be available.Cheaper auto insurance with discounts

It’s important to understand that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like you could get a free auto insurance policy, nobody gets a free ride.

Insurance companies who might offer most of these discounts may include but are not limited to:

When comparing rates, check with all the companies to give you their best rates. Some credits may not apply in San Diego. If you would like to choose from a list of providers that offer discounts in California, click this link.

When to talk to an insurance agency

Some people still prefer to have an agent’s advice. Agents are highly skilled in risk management and will help you if you have claims. The biggest benefit of comparing rate quotes online is you may find better rates and still have an agent to talk to. And providing support for neighborhood insurance agencies is important particularly in San Diego.

By using this quick form, the coverage information gets sent to insurance agents in San Diego who will give you bids to get your business. You won’t need to find an agent on your own as quotes are delivered immediately to your email address. If you need to get a price quote from a specific auto insurance provider, feel free to navigate to their website and submit a quote form there.

Selecting a insurer should depend on more than just a cheap price quote. Any agent in San Diego should have no problem answering these questions:

Keep this in mind when shopping around

Drivers leave their current company for a number of reasons such as unfair underwriting practices, policy cancellation, being labeled a high risk driver and high prices. Whatever your reason, finding a great new company can be easier than you think.

Lower-priced Jeep Commander insurance in San Diego is available both online and from local insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies may not offer price quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you quote San Diego car insurance, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced collision coverage only to regret that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

More information is available at these links: