Getting the lowest cost Dallas Jeep Commander insurance quotes over the internet can be overwhelming for people not familiar with price shopping online. With literally dozens of companies in the marketplace, how can people effectively compare all the different companies and get better rates?
How to find better rates for Jeep Commander insurance in Dallas
If you want to save the most money, the best way to get cheaper Jeep Commander insurance in Dallas is to do an annual price comparison from providers that sell auto insurance in Texas.
- Get a basic knowledge of car insurance and the measures you can take to drop your rates. Many policy risk factors that are responsible for high rates like accidents, careless driving, and a substandard credit history can be amended by making minor driving habit or lifestyle changes. This article provides more ideas to prevent rate hikes and get bigger discounts.
- Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or State Farm, while agents who are independent can provide price quotes from many different companies. View a list of agents
- Compare the price quotes to your existing coverage to see if a cheaper price is available in Dallas. If you can save money, verify that coverage does not lapse between policies.
The key thing to remember is to try to use the same physical damage deductibles and liability limits on every price quote and and to get rates from as many auto insurance providers as possible. Doing this provides a fair rate comparison and a complete price analysis.
Shockingly, the vast majority of Texas insurance customers renewed their policy with the same company for at least the last four years, and virtually 40% of consumers have never shopped around. American consumers could pocket nearly $859 a year, but they think it’s difficult to compare rates and save money.
There are several ways to compare quotes from many car insurance companies in Texas. The recommended way to compare rates consists of obtaining rate quotes online. When quoting car insurance, remember that comparing all the rates in your area helps locate more affordable rates.
The following companies are ready to provide free rate quotes in Dallas, TX. If more than one company is shown, we suggest you visit as many as you can in order to find the cheapest rates.
Facts and figures for Jeep Commander insurance
The premium table displayed next highlights a range of insurance prices for Jeep Commander models. Understanding how car insurance prices are figured can help customers make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $198 | $352 | $496 | $30 | $148 | $1,224 | $102 |
| Commander Sport 4WD | $198 | $416 | $496 | $30 | $148 | $1,288 | $107 |
| Commander Limited 2WD | $220 | $416 | $496 | $30 | $148 | $1,310 | $109 |
| Commander Limited 4WD | $220 | $416 | $496 | $30 | $148 | $1,310 | $109 |
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in specific location information which can lower or raise premiums considerably.
Deductible comparison
One of the hardest decisions when shopping for insurance is how low should you set your deductibles. The following insurance rates lay out how much more rates are when you buy lower versus higher physical damage coverage deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second data table uses a $1,000 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $206 | $312 | $382 | $22 | $114 | $1,036 | $86 |
| Commander Sport 4WD | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Commander Limited 2WD | $228 | $368 | $382 | $22 | $114 | $1,114 | $93 |
| Commander Limited 4WD | $228 | $368 | $382 | $22 | $114 | $1,114 | $93 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in zip code location which can modify coverage rates greatly.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $43 more each month or $516 annually averaged for all Commander models than selecting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 21 months between claim filings, you would probably come out ahead if you elect the higher deductible. Here’s the way you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $134 |
| Average monthly premium for $1,000 deductibles (subtract): | – $91 |
| Monthly savings from raising deductible: | $43 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $43 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One thing to note is that higher deductibles means you will have to pay more of your own money when you have a claim. That will require some extra funds in the event you need to pay more to get your vehicle repaired.
Annual premiums comparing men and women in Dallas
The chart below illustrates the comparison of Jeep Commander auto insurance costs for male and female drivers. The costs are based on no claims, a clean driving record, full physical damage coverage, $250 deductibles, single status, and no discounts are applied.
Full coverage rates vs. liability-only in Dallas
The illustration below illustrates the comparison of Jeep Commander insurance costs when comparing full coverage to liability only. The prices are based on no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are factored in.
Should you be buying full coverage?
There isn’t a steadfast formula that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let’s assume your Jeep Commander replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after paying the physical damage deductible. If you are currently paying more than $600 a year for full coverage, then it might be time to buy liability only.
There are a few situations where only buying liability is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
Discounts for cheap insurance quotes
Buying insurance is not cheap, but there may be some discounts that can help lower your rates. A few discounts will be applied when you get a quote, but a few need to be manually applied prior to getting the savings.
- Federal Employees – Employees or retirees of the government could provide a small rate reduction with some insurance companies.
- Student in College – Youth drivers who are attending college and leave their car at home can receive lower rates.
- Bundle and Save – If you insure your home and vehicles with one insurance company you could save up to 20% off your total Commander insurance premium.
- Renewal Discounts – Select larger companies give a discount for switching companies early. It could save around 10% when you buy Dallas car insurance online.
- Seat Belts Save more than Lives – Forcing all vehicle occupants to use their safety belts could cut 10% or more off the personal injury premium cost.
A little note about advertised discounts, many deductions do not apply the whole policy. Most only reduce specific coverage prices like medical payments or collision. Even though it may seem like you can get free auto insurance, insurance companies aren’t that generous.
The chart below compares Jeep Commander insurance costs with and without some available policy discounts. The information is based on a female driver, no claims or driving violations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, claim-free, multi-car, and safe-driver discounts applied.
If you would like to view companies that offer the discounts shown above in Texas, click this link.
Insurance is not optional
Despite the high cost, insuring your vehicle may be required for several reasons.
- Almost all states have compulsory liability insurance requirements which means you are required to carry specific limits of liability insurance in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your vehicle, almost every bank will require you to have insurance to guarantee payment of the loan. If you let the policy lapse, the lender will be forced to insure your Jeep at a much higher rate and force you to pay for it.
- Insurance safeguards both your assets and your vehicle. It also can pay for medical transport and hospital expenses incurred in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you are sued as the result of your driving. If your Jeep gets damaged, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of carrying enough insurance definitely exceed the cost, particularly for liability claims. But the average driver in Texas overpays as much as $820 a year so smart consumers compare quotes at every renewal to be sure current rates are still competitive.
Insurance agents can help
A lot of people prefer to buy from a licensed agent and that is a smart decision An additional benefit of price shopping on the web is you can get the best rates but also keep your business local. Buying insurance from neighborhood agents is important particularly in Dallas.
To find an agent, once you fill out this quick form, your insurance coverage information is emailed to companies in Dallas who can give free rate quotes for your auto insurance coverage. It’s much easier because you don’t need to visit any agencies because quoted prices will be sent directly to you. You can find the lowest rates and a licensed agent to work with. If you need to get a rate quote from a specific insurance company, just visit that company’s website and submit a quote form there.
Listed below are Dallas insurers willing to provide price quote information for Jeep Commander insurance in Dallas.
- Nationwide Insurance: The Rod Hanks Agency Inc
6300 Samuell Blvd #05 – Dallas, TX 75228 – (214) 275-8372 – View Map - Calema Insurance Agency
3021 Lombardy Ln #101 – Dallas, TX 75220 – (469) 341-7831 – View Map - E F Insurance Agency
9304 Forest Ln #217 – Dallas, TX 75243 – (972) 931-9285 – View Map - State Farm: Brent Cooper
5232 Forest Ln #111 – Dallas, TX 75244 – (214) 987-1995 – View Map
Deciding on an insurance company requires more thought than just the price. Some important questions to ask are:
- Which company do they place the most coverage with?
- Is the agent properly licensed in Texas?
- Did they already check your driving record and credit reports?
- What kind of financial rating does the company have?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
If you get good feedback as well as a price you’re happy with, chances are good that you have found an provider that meets the requirements to properly insure your vehicles. Just be aware that you are able to cancel your coverage whenever you wish so don’t feel you are locked into a policy for a certain time period.