Compare Jeep Commander Insurance Quotes in Plano

It’s safe to conclude that auto insurance companies don’t want you to look at other companies. Insureds who compare other prices are likely to buy a different policy because they stand a good chance of finding lower rate quotes. A recent study showed that consumers who make a habit of shopping around saved on average $865 a year as compared to drivers who never shopped around for cheaper prices.

If finding low prices for auto insurance in Plano is why you’re here, then having some knowledge of how to choose a company and compare car insurance can make it easier for you to save money.

Insurance rates Jeep Commander in PlanoIf you want to save money, the best way to find cheaper prices for Jeep Commander insurance in Plano is to do a yearly price comparison from insurance carriers that sell auto insurance in Texas.

Step 1: Take a few minutes and learn about policy coverages and the things you can control to keep rates low. Many rating criteria that cause high rates such as traffic citations, accidents, and a less-than-favorable credit score can be eliminated by paying attention to minor details. Keep reading for tips to help keep prices low and get bigger discounts.

Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like GEICO or Allstate, while independent agents can provide rate quotes from multiple companies.

Step 3: Compare the new quotes to your existing rates to see if switching to a new carrier will save money. If you can save some money and change companies, ensure there is no coverage lapse between policies.

Step 4: Provide adequate notice to your current company of your intent to cancel the current policy and submit a signed application and payment for the new policy. Once the application is submitted, safely store the proof of insurance paperwork along with your vehicle registration.

An essential thing to point out is that you’ll want to compare similar coverage information on every quote and and to get price estimates from as many different insurance providers as possible. Doing this enables an apples-to-apples comparison and a good representation of prices.

The best way to compare insurance rates from multiple companies is to know car insurance companies participate in a system to give free rates quotes. All you need to do is provide a little information including how many miles driven, which vehicles you own, deductibles desired, and how much education you have. Your rating data is automatically sent to multiple top-rated companies and you will receive price estimates quickly.

To get price quotes for your car now, click here and enter your zip code.

The following companies can provide price quotes in Plano, TX. If multiple companies are listed, we suggest you compare several of them in order to find the lowest rates.

Take these eight policy discounts and save on Jeep Commander insurance in Plano

Companies don’t always publicize all available discounts very well, so below is a list both well-publicized and the harder-to-find savings tricks you should be using when you buy Plano auto insurance online. If you check and find you aren’t receiving every discount you qualify for, you could be saving more on your insurance.Cheaper insurance with discounts

It’s important to note that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, it’s just not the way it works.

The illustration below compares Jeep Commander car insurance rates with and without discounts. The price estimates are based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, marriage, homeowner, and claim-free discounts applied.

A list of companies and a selection of discounts are outlined below.

Check with each company or agent what discounts are available to you. Some discounts listed above might not be offered on policies in your area. If you would like to see a list of companies that offer multiple discounts in Plano, click here.

Jeep Commander insurance rate analysis

The coverage information below highlights a range of coverage costs for Jeep Commander models. Understanding how car insurance premiums are calculated is important for drivers to make smart choices when purchasing an auto insurance policy.

Jeep Commander Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $302 $456 $392 $24 $118 $1,292 $108
Commander Sport 4WD $302 $538 $392 $24 $118 $1,374 $115
Commander Limited 2WD $336 $538 $392 $24 $118 $1,408 $117
Commander Limited 4WD $336 $538 $392 $24 $118 $1,408 $117
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rates do not factor in Plano location which can lower or raise coverage rates substantially.

How high should deductibles be?

One of the most common car insurance questions is at what level do you set your deductibles. The rates shown below can help illustrate the rate difference of buying low and high physical damage coverage deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.

Jeep Commander insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $370 $592 $382 $22 $114 $1,505 $125
Commander Sport 4WD $370 $698 $382 $22 $114 $1,611 $134
Commander Limited 2WD $412 $698 $382 $22 $114 $1,653 $138
Commander Limited 4WD $412 $698 $382 $22 $114 $1,653 $138
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Jeep Commander insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $270 $400 $382 $22 $114 $1,188 $99
Commander Sport 4WD $270 $472 $382 $22 $114 $1,260 $105
Commander Limited 2WD $300 $472 $382 $22 $114 $1,290 $108
Commander Limited 4WD $300 $472 $382 $22 $114 $1,290 $108
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price information does not factor in specific zip code location which can alter insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs an average of $29 more each month or $348 annually averaged for all Commander models than requesting the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you average more than 14 months between claims, you would probably be better off by going with a higher deductible.

How to determine when to raise deductibles

Average monthly premium for $100 deductibles: $134
Average monthly premium for $500 deductibles (subtract): – $105
Monthly savings from raising deductible: $29
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One important note is that raising deductibles means you will have to pay more when you have a physical damage claim. You should have some extra funds in the event you have to pay the deductible.

Responsible drivers pay cheaper Plano car insurance rates

The chart below shows how speeding tickets and at-fault claims can drive up Jeep Commander car insurance rates for each age group. The prices are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

Car insurance rates by gender and age

The information below illustrates the comparison of Jeep Commander insurance prices for male and female drivers. The rates are based on no violations or claims, full physical damage coverage, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Full coverage versus liability only rates

The example below visualizes the comparison of Jeep Commander yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no violations or accidents, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

Should you pay for full coverage?

There is no set guideline for eliminating full coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Jeep Commander replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after the deductible is paid. If it’s costing you more than $700 annually for physical damage coverage, then you might want to think about dropping full coverage.

There are some situations where dropping physical damage coverage is not in your best interest. If you still owe money on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not opt for liability only.

Are car insurance agents obsolete?

Many people still like to sit down with an agent and that is a smart decision One of the benefits of comparing rate quotes online is that you can find the best rates but still work with a licensed agent. Supporting neighborhood agents is important particularly in Plano.

Insurance agents in PlanoOnce you complete this quick form, your insurance data is emailed to local insurance agents who want to provide quotes for your business. You won’t need to search for an agent since rate quotes are delivered immediately to your email address. It’s the lowest rates without the usual hassles of price shopping. If you want to get a price quote from a specific insurance company, just search and find their rate quote page and complete a quote there.

Exclusive or Independent: There is a difference

If you prefer to buy insurance from a good insurance agency, you need to know there are two different types of agencies from which to choose. Insurance agencies in Plano can be described as either independent (non-exclusive) or exclusive.

Independent Agents (or Brokers)

These agents are not restricted to one company so as a result can place your coverage with a variety of different insurance companies and find the cheapest rate. If your agent finds better pricing, your agent can just switch to a different company which makes it simple for you. If you are comparing rate quotes, we highly recommend that you get quotes from several independent agencies in order to have the best price comparison.

Featured below is a short list of independent agencies in Plano who may be able to give you pricing information.

1145 14th St #2117Plano, TX 75074(972) 398-0001View Map

2817 Regal Rd # 101Plano, TX 75075(972) 596-5866View Map

3415 Custer Rd #161Plano, TX 75023(972) 964-4825View Map

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Exclusive Insurance Agents

These type of agents can only quote rates from one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot give you multiple price quotes so you need to shop around if the rates are high. Exclusive agents are very knowledgeable on what they offer which helps them sell on service rather than price.

The following is a short list of exclusive agents in Plano who can help you get price quotes.

5809 Preston Rd #586Plano, TX 75093(972) 378-1024View Map

4670 McDermott Rd #206Plano, TX 75024(972) 867-2778View Map

3608 Preston Rd #200Plano, TX 75093(972) 867-0090View Map

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Choosing the best car insurance agent should include more criteria than just the premium amount. You should also get answers to these questions.

Your situation helps dictate your coverage

Always keep in mind that when comparing adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Your needs are unique to you and your car insurance should unique, too.Higher deductibles save money
Here are some questions about coverages that could help you determine whether or not you might need professional guidance.

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Car insurance company ratings

Selecting the highest-rated car insurance company is difficult considering how many choices there are in Plano. The ranking data below may help you decide which auto insurance companies to look at comparing rates with.

Top 10 Plano Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Plano Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Auto insurance coverage specifics

Understanding the coverages of your auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages found on the average auto insurance policy.

Coverage for collisions

Collision insurance pays for damage to your Commander resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sustaining damage from a pot hole, scraping a guard rail, crashing into a building and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible on your Commander to get cheaper collision coverage.

Comprehensive protection

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hail damage, rock chips in glass, damage from a tornado or hurricane and theft. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Jeep Commander.

Because many people carry very low liability coverage limits (30/60/25), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability

Liability insurance protects you from damage that occurs to other’s property or people. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 30/60/25 which stand for $30,000 in coverage for each person’s injuries, a limit of $60,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like medical services, medical expenses and court costs. The amount of liability coverage you purchase is up to you, 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 better liability coverage.

The illustration below shows why low liability limits may not be enough coverage.

Medical expense coverage

Med pay and PIP coverage pay for expenses like chiropractic care, nursing services, funeral costs and prosthetic devices. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Quote more and you will save more

In this article, we presented many tips how you can reduce Jeep Commander insurance rates online in Plano. The key concept to understand is the more you quote Plano auto insurance, the better your chances of lowering your car insurance rates. You may even find the lowest rates are with a small local company. These companies often have lower car insurance rates on specific markets than the large multi-state companies such as State Farm, GEICO and Nationwide.

Discount Jeep Commander insurance in Plano is attainable on the web and also from your neighborhood Plano agents, so you should compare both to have the best rate selection. Some insurance providers may not have online quoting and these smaller providers only sell coverage through local independent agents.

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