Save Money on Jeep Commander Insurance in Jacksonville

  1. Home
  2. >
  3. Popular Vehicles
  4. >
  5. Jeep Commander

The easiest way to save on auto insurance rates in Jacksonville is to make a habit of regularly comparing prices from insurance carriers in Florida.

Step 1: Spend a few minutes and learn about car insurance and the changes you can make to keep rates low. Many rating criteria that result in higher prices such as accidents, careless driving, and an unacceptable credit history can be improved by making lifestyle changes or driving safer. This article gives ideas to get cheaper coverage and get additional discounts that may be available.

Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can give you price quotes for many different companies.

Step 3: Compare the new rate quotes to the price on your current policy to determine if you can save on Commander insurance in Jacksonville. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Notify your agent or company of your intention to cancel your current policy. Submit payment and a completed application to the new company. As soon as you can, keep the new proof of insurance paperwork along with your vehicle registration.

One tip to remember is to try to compare the same deductibles and limits on each quote and and to look at all possible companies. Doing this enables a fair rate comparison and maximum price selection.

Discount Jeep Commander insuranceEveryone knows that auto insurance companies don't want you to compare rates. Consumers who perform rate comparisons will, in all likelihood, switch companies because of the high probability of finding a lower-priced company. A survey found that drivers who did price comparisons regularly saved approximately $72 a month compared to people who never shopped around.

If finding the lowest price on car insurance in Jacksonville is why you're here, then learning about the best ways to find and compare auto insurance can save money and time.

When looking for low cost Jacksonville car insurance quotes, there are a couple ways of comparing rate quotes from many insurance companies in Florida. The easiest way by far to comparison shop is to get quotes online.

When comparing insurance rates, know that quoting more will improve the odds of getting a lower rate than you're paying now.

The providers in the list below are ready to provide price comparisons in Jacksonville, FL. If the list has multiple companies, we recommend you visit two to three different companies to get the best price comparison.

Verify you're receiving every discount

Auto insurance companies do not advertise their entire list of discounts in a way that's easy to find, so we took the time to find a few of the more common as well as some of the hidden discounts that may be available.Car insurance discounts

  • Seat Belts Save - Drivers who require all occupants to use their safety belts may be able to save a few bucks off the medical payments premium.
  • Good Driver Discounts - Insureds without accidents can save up to 40% or more on their Jacksonville car insurance quote than drivers with accidents.
  • Jacksonville Homeowners Discount - Just owning your own home can save you money since home ownership demonstrates responsibility.
  • Defensive Driver - Taking part in a course teaching defensive driving skills could cut 5% off your bill and make you a better driver.
  • Service Members Pay Less - Being deployed in the military could qualify you for better rates.
  • Memberships - Being in a qualifying organization could trigger savings on car insurance.
  • Distant College Student Discount - Older children who live away from home to go to college and won't have access to an insured vehicle may qualify for this discount.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. So when the math indicates it's possible to get free car insurance, companies wouldn't make money that way.

The illustration below illustrates the difference between Jeep Commander auto insurance costs with and without discounts applied. The rates are based on a male driver, no violations or accidents, Florida state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, multi-policy, marriage, and safe-driver discounts applied.

Companies and a partial list of their discounts are included below.

  • State Farm may have discounts that include good student, passive restraint, defensive driving training, good driver, anti-theft, safe vehicle, and Steer Clear safe driver discount.
  • Esurance includes discounts for multi-policy, emergency road assistance, anti-theft, good driver, paid-in-full, online shopper, and DriveSense.
  • Progressive may include discounts for continuous coverage, online quote discount, online signing, multi-vehicle, and homeowner.
  • Liberty Mutual offers discounts for new move discount, new vehicle discount, new graduate, preferred payment discount, good student, and multi-policy.
  • Auto-Owners Insurance has savings for paid in full, safe vehicle, group or association, air bags, and student away at school.
  • GEICO offers discounts including multi-policy, multi-vehicle, emergency military deployment, good student, five-year accident-free, anti-lock brakes, and daytime running lights.

If you need lower rates, check with each company how you can save money. Depending on the company, some discounts might not be available to policyholders in Jacksonville. To view providers that offer some of these discounts in Jacksonville, click here.

Insurance coverage analysis

The table displayed next outlines estimates of prices for Jeep Commander models. Having knowledge of how rate quotes are established can be useful when making decisions on which coverage to buy.

Jeep Commander Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $218 $334 $426 $26 $128 $1,132 $94
Commander Sport 4WD $218 $394 $426 $26 $128 $1,192 $99
Commander Limited 2WD $242 $394 $426 $26 $128 $1,216 $101
Commander Limited 4WD $242 $394 $426 $26 $128 $1,216 $101
Get Your Own Custom Quote Go

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in specific location which can change rates noticeably.

Where to set your deductibles

The hardest decision when buying coverage is where should you set your physical damage deductibles. The data tables below can help illustrate the difference in cost between high and low physical damage deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second data table uses a $500 deductible.

Jeep Commander insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $364 $544 $418 $24 $124 $1,499 $125
Commander Sport 4WD $364 $640 $418 $24 $124 $1,595 $133
Commander Limited 2WD $406 $640 $418 $24 $124 $1,637 $136
Commander Limited 4WD $406 $640 $418 $24 $124 $1,637 $136
Get Your Own Custom Quote Go
Jeep Commander insurance premium rates 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
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Table data does not factor in your specific Jacksonville location which can modify insurance rates greatly.

Based on these figures, using a $250 deductible could cost the average driver approximately $18 more each month or $216 every year than buying the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go more than 14 months between claims, you would probably save some money going with the higher deductible.

How to determine when to raise deductibles

Average monthly premium for $250 deductibles: $133
Average monthly premium for $500 deductibles (subtract): - $115
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

The diagram below illustrates how your choice of deductibles and can affect Jeep Commander insurance prices for each age group. The costs are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

Car insurance rates by age and gender in Jacksonville

The information below shows the difference between Jeep Commander annual premium costs for male and female drivers. The information is based on no violations or claims, full physical damage coverage, $100 deductibles, marital status is single, and no other discounts are factored in.

How Insurance Providers Determine Jeep Commander Insurance Prices

One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that are used to determine the level of your policy premiums. If you know what controls the rates you pay, this enables informed choices that may reward you with much lower annual insurance costs. Many different elements are used in the calculation when premium rates are determined. Some factors are common sense like an MVR report, although some other factors are less obvious like your continuous coverage or how financially stable you are.

The itemized list below are some of the things that factor into prices.

Why do you need liability? - The liability section of your policy provides coverage if you are responsible for causing personal injury or damage in an accident. This coverage provides for a legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so buy as much as you can afford.

Drive less and get lower rates - The more you drive every year the higher your rates will be. A lot of insurance companies rate vehicles based upon how the vehicle is primarily used. Vehicles that do not get driven very much cost less to insure compared to those used for work or business. Having an incorrect usage rating on your Commander may be costing you higher rates. It's a good idea to make sure your car insurance policy is rated on the correct usage.

Vehicles with better crash test results are cheaper to insure - Cars with five star safety ratings are cheaper to insure. Highly rated vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims which can mean better rates for you.

Combine policies and save money - Most larger car insurance companies will give better rates to policyholders who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, it's in your best interest to comparison shop to help ensure you have the lowest rates.

Optional features that cut premiums - Driving a car that has a built-in theft deterrent system can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft and help lower rates.

High credit rating translates to low prices - Having a bad credit score factor in determining premium rates. People that have good credit tend to file fewer claims and have better driving records than drivers with lower ratings. If your credit score can use some improvement, you could pay less to insure your Jeep Commander if you clean up your credit.

Cheaper rates after marriage - Getting married actually saves money on your car insurance policy. Having a spouse is viewed as being more financially stable and it's proven that being married results in fewer claims.

Do I need an agent?

Certain consumers just prefer to go talk to an agent and there is nothing wrong with that. An additional benefit of getting free rate quotes online is you can get cheaper rates and still choose a local agent. Putting coverage with neighborhood agents is important especially in Jacksonville.

Find insurance agent in JacksonvilleFor easy comparison, once you complete this quick form, your information is submitted to local insurance agents who will give you quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to search for any insurance agencies since price quotes are sent to your email. You can find lower rates without having to waste a lot of time. If you need to compare prices from a specific insurance provider, you would need to jump over to their website and fill out the quote form the provide.

If you're trying to find a reputable agency, it can be helpful to understand the types of insurance agents to choose from. Insurance agencies in Jacksonville are classified as either independent agents or exclusive agents depending on their employer.

Independent Agents (or Brokers)

Independent agents are normally appointed by many insurers so they have the ability to put coverage through many different insurance companies and find you cheaper rates. If premiums increase, they can switch companies in-house which is easy for the insured. If you need lower rates, you should always get several quotes from multiple independent agents to maximize your price options. Most independent agents also contract with additional companies that you may not be familiar with who may have lower rates.

The following is a list of independent agents in Jacksonville who may be able to give you free price quotes.

View more agents

Exclusive Insurance Agents

Agents that choose to be exclusive normally can only provide a single company's rates like Allstate and State Farm. Exclusive agencies are unable to place coverage with different providers so they really need to provide good service. Exclusive insurance agents are trained well on the products they sell which helps them sell on service rather than price. Some people will only choose to use an exclusive agent mainly due to the prominence of the brand rather than having the cheapest rates.

Listed below are Jacksonville exclusive insurance agencies that are able to give rate quotes.

View more agents

Deciding on an car insurance agent is decision based upon more than just a cheap quote. These are some questions you should get answers to.

  • Has the agent ever had any license suspensions?
  • Is every driver in your family covered?
  • Do they get extra compensation for selling add-on coverages?
  • What are their preferred companies if they are an independent agency?
  • Do they feel the quoted coverages are adequate?

Upon getting good responses to your questions and a low price estimate, you may have just found an insurance agency that can be relied on to adequately provide insurance. Keep in mind policyholders can cancel your coverage any time you want so don't feel that you're stuck with your new company for any length of time.

The most affordable rates come from being thorough

We just covered some good ideas how to get a better price on Jeep Commander insurance in Jacksonville. The most important thing to understand is the more quotes you get, the better your chances of lowering your prices. Consumers may even find the most savings is with the smaller companies.

When you buy Jacksonville car insurance online, don't be tempted to buy poor coverage just to save money. Too many times, consumers will sacrifice liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

Budget-friendly insurance in Jacksonville is possible from both online companies and with local Jacksonville insurance agents, so you need to quote Jacksonville car insurance with both in order to have the best price selection to choose from. There are still a few companies who may not have online price quotes and many times these small, regional companies only sell coverage through local independent agents.

More articles