Do you want a faster way to compare more affordable Jeep Commander insurance in Seattle? No normal person likes buying insurance, especially when they are paying too much.
Unbelievable but true according to a study the majority of drivers renewed their policy with the same company for a minimum of four years, and just short of a majority have never quoted rates to find cheaper coverage. Washington insurance shoppers could save $400 each year, but they don’t want to spend time to shop their coverage around.
Big-name insurance companies like Progressive, State Farm and GEICO constantly bombard you with ad campaigns and it is difficult to see through the deception and find the best price available.
If you currently have a car insurance policy, you will definitely be able to get lower rates using the ideas covered in this article. Locating the best rates in Seattle is much easier if you have a good place to start. Nevertheless, Washington drivers do need to understand the way insurance companies market insurance on the web because it varies considerably.
To get affordable Jeep Commander insurance quotes, there a variety of ways to compare quotes from many different Washington insurance companies. The simplest method to compare rates involves getting comparison quotes online.
Getting free rates online is quite simple, and it takes the place of having to drive to and from local Seattle insurance agencies. Quoting and buying Jeep Commander insurance online makes this unnecessary unless you have a need for the professional abilities of an agent trained in personal lines coverage. Although you can find lower rates online and have a local agent actually service the policy.
When price shopping your coverage, comparing more rates from different companies gives you a better chance of getting the best offered rates.
The following companies provide comparison quotes in Washington. If multiple providers are shown, we suggest you visit two to three different companies to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Commander Sport 2WD||$274||$518||$384||$22||$114||$1,312||$109|
|Commander Sport 4WD||$224||$458||$282||$16||$84||$1,064||$89|
|Commander Limited 2WD||$220||$376||$278||$16||$82||$972||$81|
|Commander Limited 4WD||$200||$358||$310||$18||$92||$978||$82|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rate quotes do not factor in specific location information which can alter auto insurance rates substantially.
Rate comparison for different deductibles
The example below highlights how deductible choice and can affect Jeep Commander insurance costs for different age groups. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are factored in.
Car insurance prices based on gender
The information below shows the comparison of Jeep Commander insurance costs for male and female drivers. The prices are based on a clean driving record, no claims, comp and collision included, $100 deductibles, single marital status, and no discounts are applied to the premium.
Why you need insurance
Even though Seattle Commander insurance rates can get expensive, buying insurance serves several important purposes.
First, most states have mandatory insurance requirements which means you are required to buy specific limits of liability protection in order to drive the car. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you took out a loan on your car, most banks will make it mandatory that you have insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Jeep at an extremely high rate and make you pay for it.
Third, insurance safeguards both your assets and your car. Insurance will pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of buying insurance greatly outweigh the cost, especially when you need to use it. According to a recent study, the average American driver is overpaying more than $810 a year so you should quote your policy with other companies each time the policy renews to save money.
Insurance Cost Influencing Factors
Many different elements are part of the calculation when you quote your car insurance policy. A few of the factors are predictable like an MVR report, although others are not quite as obvious like your vehicle usage or your commute time. A large part of saving on insurance is knowing the rating factors that help determine your premiums. If you understand what determines premiums, this enables informed choices that can help you get lower premium levels.
Men drivers tend to cost more – The statistics show that females tend to be a little less risky than males. The data does not necessarily mean that males are worse at driving than females. Both sexes cause at-fault accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations such as DWI and reckless driving.
Bump up coverage deductibles to lower rates – Protection for physical damage, also called ‘full coverage’, protects your Jeep from damage. Some examples of claims that would be covered could be colliding with a building, flood damage, and damage from a fallen tree branch. The deductibles you choose are how much you are willing to pay before a claim is paid by your company. The more you’re willing to pay, the bigger discount you will receive.
Maintain insurance coverage – Not having insurance is against the law and companies may charge more for letting your insurance expire. Not only will you pay higher rates, being ticketed for driving with no insurance will get you a fine, jail time, or a revoked license.
Discounts for auto and home policies – Most insurance companies will give a discount to people that purchase more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to compare Jeep Commander rates in Seattle to guarantee you are still saving the most. Drivers may still find lower rates by insuring with multiple companies.
How your age affects rates – Older people are viewed as being more responsible, file fewer claims, and tend to be get fewer driving tickets.Inexperience drivers have a tendency to be less responsible when behind the wheel so they pay higher insurance rates.
Insurance rates and vehicle performance – The performance of the car, truck or SUV you are buying insurance for makes a significant difference in your premium level. The most favorable rates are usually for low performance passenger cars, but the cost you end up paying is determined by many additional factors. Since the Jeep Commander is classified as a standard SUV, insuring your vehicle will cost slightly more than the average rate where you live in Seattle.
Seattle insurance discounts
Companies do not list every discount very clearly, so we break down a few of the more well known and also the lesser-known savings tricks you should be using when you buy Seattle car insurance online.
- Theft Deterrent – Vehicles optioned with advanced anti-theft systems help deter theft and will qualify for a discount on a Seattle car insurance quote.
- Low Miles Discount – Maintaining low annual mileage could be rewarded with cheaper rates.
- Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents and the ABS can save up to 10%.
- Early Payment Discounts – By making one initial payment as opposed to paying monthly you may reduce your total bill.
- Discount for Swiching Early – Some larger companies provide a discount for switching policies before your current expiration date. You can save around 10% with this discount.
- Multi-Vehicle Discounts – Having all your vehicles with one company can reduce the rates for all insured vehicles.
- Savings for New Vehicles – Buying a new car model can save up to 30% since new model year vehicles are generally safer.
- Own a Home – Owning your own home or condo can save a few bucks because it shows financial diligence.
- Drivers Education – Have your child enroll in driver’s education in high school.
- Save over 55 – Drivers over the age of 55 can possibly qualify for lower premium rates.
While discounts sound great, it’s important to understand that most credits do not apply to the entire cost. Most only apply to individual premiums such as comp or med pay. Just because you may think adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But all discounts should help lower the amount you pay for coverage.
For a list of insurance companies with discount rates in Seattle, click here to view.
Shop online but buy locally
Certain consumers would prefer to buy from a licensed agent and often times that is recommended The best thing about comparing insurance online is that you can obtain the lowest rates and still have an agent to talk to.
To help locate an agent, after submitting this short form, your coverage information is submitted to local insurance agents that provide free Seattle car insurance quotes for your insurance coverage. You won’t even need to find an agent on your own as quotes are delivered straight to your inbox. You can find lower rates without the usual hassles of price shopping. If you wish to get a price quote from a specific insurance provider, you just need to navigate to their website and fill out the quote form the provide.
Picking the best provider should depend on more than just a cheap price quote. Ask your prospective agent these questions:
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Are they properly licensed to sell insurance in Washington?
- If your car is in the repair shop, do you have coverage for a rental car?
- How long have they been in business?
- Do they have cheaper tiers of coverage?
- If they are an independent agency in Seattle, which companies do they recommend?
- Are they involved in claim handling?
- Can you choose the body shop in case repairs are needed?
Upon receiving good feedback to your questions and an affordable coverage quote, you may have found a company that is professional and can properly insure your vehicles. But keep in mind once you purchase a policy you can cancel your coverage at any point so don’t think you are locked into your new company for the entire policy term.
We covered many tips how you can save on Jeep Commander insurance in Seattle. The most important thing to understand is the more times you quote, the better chance you’ll have of finding the cheapest Jeep Commander rate quotes. Drivers may even discover the best price on car insurance is with a company that doesn’t do a lot of advertising. Some small companies can often provide lower premium rates in certain areas as compared to the big name companies such as Progressive or GEICO.
There are still a few companies who may not have rates over the internet and these regional carriers only sell coverage through local independent agents. Cheaper Jeep Commander insurance in Seattle is available on the web and also from your neighborhood Seattle agents, and you need to price shop both to have the best chance of lowering rates.
Much more information about car insurance in Washington can be read at these links:
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Who Has Cheap Car Insurance for Seniors in Seattle? (FAQ)
- What Insurance is Cheapest for a Subaru Outback in Seattle? (FAQ)
- How Much is Car Insurance for First-time Drivers in Seattle? (FAQ)
- What Car Insurance is Cheapest for College Graduates in Seattle? (FAQ)
- How Much is Seattle Auto Insurance for a Honda Accord? (FAQ)
- State Laws for Cellphones and Texting (iihs.org)
- Tools for Teen Driving Safety (State Farm)