It takes a little time, but the best way to find lower priced Jeep Commander insurance in Aurora is to regularly compare prices from companies who can sell car insurance in Colorado. You can compare rates by following these steps.
- Spend some time learning about how auto insurance works and the steps you can take to prevent expensive coverage. Many rating factors that result in higher rates such as at-fault accidents and an unacceptable credit score can be controlled by making lifestyle changes or driving safer.
- Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO or Allstate, while independent agents can quote prices from multiple companies. Click to view companies
- Compare the new rate quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate quote and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
One tip to remember is that you’ll want to compare the same deductibles and limits on each quote and and to analyze as many companies as you can. This enables the most accurate price comparison and the most accurate and complete price analysis.
It’s an obvious statement that auto insurance companies want to keep you from comparing rates. Drivers who shop for lower prices will probably switch insurance companies because there is a high probability of finding a policy with better rates. A survey found that people who make a habit of shopping around saved an average of $850 each year as compared to drivers who never shopped around for lower prices.
If saving money on Jeep Commander insurance is the reason you’re here, then learning about the best way to quote and compare auto insurance can help make the process easier and more efficient.
If you have insurance now, you will most likely be able to cut your premiums using these tips. Locating the best rates in Aurora is really quite simple as long as you have a good starting point. But Colorado car owners benefit from understanding the methods companies use to determine prices because it varies considerably.
When comparison shopping, comparing more prices helps increase your odds of locating the best offered rates.
The auto insurance companies shown below can provide price comparisons in Colorado. If you want to find the best cheap car insurance in Aurora, it’s a good idea that you compare several of them in order to get a fair rate comparison.
Rates and other information
The coverage information shown next showcases estimates of coverage prices for Jeep Commander models. Understanding how insurance policy premiums are established can help you make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $238 | $388 | $338 | $20 | $100 | $1,084 | $90 |
| Commander Sport 4WD | $238 | $458 | $338 | $20 | $100 | $1,154 | $96 |
| Commander Limited 2WD | $266 | $458 | $338 | $20 | $100 | $1,182 | $99 |
| Commander Limited 4WD | $266 | $458 | $338 | $20 | $100 | $1,182 | $99 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price information does not factor in Aurora location which can revise coverage prices substantially.
Raise deductibles and save
One frequently asked question is how low should you set your deductibles. The rates below show the differences in premium rates when you select higher and lower physical damage coverage deductibles. The first rate estimation uses a $100 deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $342 | $546 | $352 | $20 | $106 | $1,391 | $116 |
| Commander Sport 4WD | $342 | $644 | $352 | $20 | $106 | $1,489 | $124 |
| Commander Limited 2WD | $380 | $644 | $352 | $20 | $106 | $1,527 | $127 |
| Commander Limited 4WD | $380 | $644 | $352 | $20 | $106 | $1,527 | $127 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $190 | $288 | $352 | $20 | $106 | $956 | $80 |
| Commander Sport 4WD | $190 | $340 | $352 | $20 | $106 | $1,008 | $84 |
| Commander Limited 2WD | $210 | $340 | $352 | $20 | $106 | $1,028 | $86 |
| Commander Limited 4WD | $210 | $340 | $352 | $20 | $106 | $1,028 | $86 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Table data does not factor in specific zip code location which can alter premium rates substantially.
We can derive from the above data that using a $100 deductible would cost the average driver about $40 more each month or $480 every year than requesting the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average at least 23 months between claims, you would most likely save money if you elect the higher deductible.
How to decide to raise your deductibles
| Average monthly premium for $100 deductibles: | $124 |
| Average monthly premium for $1,000 deductibles (subtract): | – $84 |
| Monthly savings from raising deductible: | $40 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $40 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
The diagram below demonstrates how deductibles and can increase or decrease Jeep Commander insurance rates for different age categories. The data is based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.
Jeep Commander insurance premiums by gender in Aurora
The example below visualizes the comparison of Jeep Commander insurance prices for male and female drivers. The rate quotes are based on no claims or driving violations, full coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.
Car insurance is an important decision
Despite the high insurance cost for a Jeep Commander in Aurora, maintaining insurance may be required for several reasons.
- Just about all states have minimum liability requirements which means state laws require specific limits of liability coverage if you want to drive legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you bought your Commander with a loan, most lenders will require you to have comprehensive coverage to guarantee their interest in the vehicle. If you default on your policy, the bank will be required to insure your Jeep at an extremely high rate and force you to reimburse them a much higher amount than you were paying before.
- Car insurance protects both your Jeep and your personal assets. It will also provide coverage for medical bills that are the result of an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of buying car insurance are definitely more than the cost, especially for larger claims. The average driver in Colorado is overpaying over $810 a year so you should quote rates each time the policy renews to be sure current rates are still competitive.
The Jeep Commander Insurance Cost Equation
Many different elements are part of the calculation when you get a price on insurance. Most are fairly basic such as your driving record, but other factors are not quite as obvious like your vehicle usage or your vehicle rating. Part of the car insurance buying process is learning some of the factors that go into determining the rates you pay for car insurance. If you understand what controls the rates you pay, this empowers consumers to make smart changes that could help you find cheaper rates.
Higher comp and collision deductibles are cheaper – Physical damage deductibles tell how much you are willing to pay if a claim is determined to be covered. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. A few examples of covered claims are rear-ending another vehicle, hail damage, and damage from wind. The larger the amount you pay before a claim is paid (deductible), the less money you will pay for car insurance.
Coverage lapses lead to higher car insurance rates – Driving with no insurance can get your license suspended and companies may charge more for letting your insurance lapse. In addition to paying higher rates, being ticketed for driving with no insurance can result in a revoked license or a big fine. You may have to provide proof of insurance in the form of an SR-22 filing with the Colorado motor vehicle department to get your license reinstated.
Too many car insurance claims and you’ll pay more – Car insurance companies in Colorado provide better rates to policyholders who do not file claims often. If you are the type of insured that files lots of claims you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is intended to be relied upon for more catastrophic claims.
How much liability – Liability coverage provides coverage in the event that you are found to be at fault for an accident. Liability insurance provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
You might get higher costs if you are single – Your spouse actually saves money on car insurance. Having a spouse means you’re less irresponsible and insurance companies like that drivers who are married are more cautious.
The most affordable rates come from being thorough
When searching for affordable Aurora car insurance quotes, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, an insured cut comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. Your goal should be to buy enough coverage at the best possible price, but don’t skip important coverages to save money.
Cheaper auto insurance in Aurora can be bought from both online companies and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not provide internet price quotes and many times these small, regional companies only sell through independent agents.
You just read some good ideas how to get a better price on Jeep Commander insurance in Aurora. The key thing to remember is the more you quote Aurora car insurance, the better chance you’ll have of finding affordable Jeep Commander insurance quotes. You may even find the most savings is with some of the smallest insurance companies. They may often insure only within specific states and give better rates compared to the large companies like State Farm or Progressive.
To read more, take a look at the articles below:
- Speed and Speed Limit FAQ (iihs.org)
- Who Has Affordable Auto Insurance Rates for a Jeep Wrangler in Aurora? (FAQ)
- Who Has Cheap Aurora Auto Insurance Rates for Welfare Recipients? (FAQ)
- Who Has Cheap Aurora Car Insurance Rates for a Ford Fusion? (FAQ)
- What Insurance is Cheapest for a Jeep Grand Cherokee in Aurora? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Distracted Driving (Insurance Information Institute)
- Eight Auto Insurance Myths (Insurance Information Institute)