Affordable Insurance for a Jeep Commander in San Francisco

It’s an obvious conclusion that auto insurance companies want to keep you from shopping around. Insureds who shop rates annually are very likely to switch car insurance companies because there is a significant possibility of finding good coverage at a lower price. A survey found that people who made a habit of comparing rates saved approximately $850 each year as compared to drivers who never compared rates.

If finding the lowest rates on car insurance in San Francisco is why you’re reading this, then having an understanding of the best way to quote and compare cheaper coverage can help you succeed in finding affordable rates.

To save the most money, the best way to get discount Jeep Commander insurance is to do an annual price comparison from insurers who sell auto insurance in San Francisco. You can compare rates by following these steps.

1. Gain an understanding of how your policy works and the factors you can control to lower rates. Many policy risk factors that increase rates like inattentive driving and poor credit history can be improved by making minor changes in your lifestyle.
2. Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like GEICO or Farmers Insurance, while independent agents can give you price quotes from many different companies. Compare rates
3. Compare the new rate quotes to your existing rates and determine if cheaper Commander coverage is available. If you find better rates, make sure there is no lapse in coverage.
4. Give notification to your current company of your decision to cancel the current policy and submit a down payment along with a signed application for the new coverage. Be sure to keep your new proof of insurance certificate in your vehicle’s glove compartment or console.

The key thing to know about shopping around is to make sure you’re comparing identical deductibles and limits on each quote request and and to compare as many auto insurance providers as possible. Doing this guarantees a fair price comparison and a complete price analysis.

When comparing insurance rates, know that comparing a wide range of rates increases your odds of finding a better price. Some smaller insurers do not give price estimates online, so it’s important to compare prices from those companies as well.

The companies shown below are our best choices to provide free rate quotes in San Francisco, CA. If more than one company is shown, it’s highly recommended you get price quotes from several of them to get the most competitive price.

Jeep Commander insurance statistics and information

The data table displayed next outlines detailed analysis of insurance costs for Jeep Commander models. Being able to understand how insurance policy rates are calculated is important for drivers to make decisions on which insurance to purchase.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate quotes do not factor in San Francisco location which can affect price quotes noticeably.

Raise deductibles and save

A question often asked by San Francisco drivers is where should you set your physical damage deductibles. The premium rates below may help you to understand how much more you’ll pay when you select higher and lower deductibles. The first pricing table uses a $100 deductible and the second set of rates uses a $1,000 deductible.

Data assumes 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, safe-driver, and homeowner. Information does not factor in vehicle garaging location which can lower or raise rates substantially.

We can derive from the above data that using a $100 deductible could cost the average driver approximately $50 more each month or $600 a year than quoting the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 18 months between claims, you would more than likely save some money if you elect the higher deductible.

Rate increases following a ticket or accident

The illustration below shows how violations and at-fault fender-benders influence Jeep Commander insurance premiums for each age group. The premiums are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Should you buy full coverage?

The information below compares Jeep Commander auto insurance costs with and without full coverage. The prices are based on a clean driving record, no claims, $500 deductibles, marital status is single, and no discounts are factored in.

Are you wasting money on full coverage?

There is no specific rule for eliminating full coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s say your Jeep Commander replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $3,000 after the policy deductible has been paid. If premium cost is more than $300 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are a few cases where dropping full coverage is not advised. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

How Your Commander Insurance Prices are Determined

Many factors are taken into consideration when quoting car insurance. Some factors are common sense such as your driving history, but some are not as apparent such as your marital status or how financially stable you are. Consumers need to have an understanding of the factors that help calculate your policy premiums. If you have a feel for what determines base rates, this helps enable you to make changes that could help you find better auto insurance rates.

Vehicle features can affect auto insurance rates – Owning a car with a theft deterrent system can save you a little every year. Systems that thwart thieves like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.

Vehicle risk influences prices – The type of vehicle you need to insure makes a substantial difference in your car insurance bill. The lowest base rates are usually found on the lowest performance passenger cars, but there are many factors that impact the final cost.

The next chart uses these variables: married female driver age 40, full coverage with $100 deductibles, and no discounts or violations. It illustrates Jeep Commander insurance rates compared to other vehicles that have different risk factors.

Poor credit can mean higher rates – Having a bad credit score will be a significant factor in determining what you pay. If your credit score can use some improvement, you could save money insuring your Jeep Commander by improving your credit score. Insureds that have high credit ratings tend to be more responsible and file fewer claims than drivers with worse credit.

Raise physical damage deductibles and save – Deductibles for physical damage are the amount of money you are required to pay before a claim is paid by your company. Insurance for physical damage to your car, aka comp and collision, is used to repair damage to your car. Some instances where coverage would apply could be a windshield broken by a bird, fire damage, and damage caused by road hazards. The larger the amount the insured has to pay upfront, the less money you will pay for auto insurance.

Big cities have higher prices – Choosing to live in smaller towns and rural areas of the country can save you money when insuring your vehicles. Less people living in that area translates into fewer accident claims and lower theft and vandalism rates. Drivers in populated California areas have to deal with more traffic problems and more severe claims. More time commuting statistically corresponds to a higher accident and claim rate.

Women pay lower prices – Statistics show that men are more aggressive behind the wheel. However, this does not mean females are better at driving than males. Males and females tend to get into at-fault accidents at a similar rate, but the males tend to have higher claims. In addition to higher claims, males also have more aggressive citations such as reckless driving.

The chart below illustrates the comparison of Jeep Commander insurance premiums for male and female drivers. The costs are based on no violations or claims, full physical damage coverage, $250 deductibles, single status, and no discounts are taken into consideration.

Why you need insurance

Despite the fact that insurance is not cheap in San Francisco, insuring your vehicle serves an important purpose.

• Just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your vehicle has a lienholder, most lenders will require that you have insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Jeep at a significantly higher premium and require you to reimburse them for the expensive policy.
• Insurance preserves not only your Jeep Commander but also your financial assets. It will also provide coverage for medical transport and hospital expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay to defend you if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, your policy will pay to repair the damage.

The benefits of insuring your Commander definitely exceed the price paid, specifically if you ever have a liability claim. As of last year, the average driver in California is overpaying more than $855 a year so compare quotes from several companies once a year at a minimum to help ensure money is not being wasted.