Save Money on Jeep Commander Insurance in Chandler

Trying to find the cheapest Jeep Commander insurance in Chandler? Locating the cheapest insurance for your Jeep Commander in Arizona could be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to find auto insurance online so you’re going to learn the best way to price shop coverage for a Jeep and find the best price possible either online or from Chandler insurance agents.

It’s shocking but 70% of consumers kept their policy with the same company for four years or more, and just short of a majority have never even compared quotes to find affordable rates. Drivers in Chandler could save 50% every year by just shopping around, but they just assume it takes a lot of time to compare other rate quotes.

All major car insurance companies like State Farm, Allstate and GEICO make it easy to get prices for coverage on the web. Getting quotes for Jeep Commander insurance in Chandler is fairly simple as all you need to do is type in your coverage preferences on the page. Upon sending the form, their quoting system obtains your driving record and credit report and generates pricing information based on the data you entered.

Using the web to get rates for Jeep Commander insurance in Chandler makes comparing rates easy, and it is important to have as many quotes as possible if you want to find the lowest payment.

In order to compare pricing, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you input the coverage information exactly as they are listed on your policy. Doing this assures you will have a rate comparison using the same coverage and limits.

The providers in the list below provide price comparisons in Chandler, AZ. To find the best cheap auto insurance in Chandler, we recommend you visit several of them to get a more complete price comparison.

Detailed insurance information

The data table below outlines detailed analysis of insurance rates for Jeep Commander models. Understanding more about how insurance prices are established can help customers make decisions when shopping your coverage around.

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Information does not factor in specific Chandler garaging location which can lower or raise premiums greatly.

Raise deductibles and save

One of the more difficult decisions when buying car insurance is which deductibles should you choose. The tables below can help you visualize the difference in cost when you select higher and lower deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second data table uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Table data does not factor in specific location information which can modify premium rates substantially.

Based on this data, using a $250 deductible will cost in the ballpark of $13 more each month or $156 for a full year than selecting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you go at least 19 months between claims, you would more than likely save some money if you choose a higher deductible.

Annual premiums comparing men and women in Chandler

The illustration below compares Jeep Commander insurance prices for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are applied.

Comparison of full coverage and liability-only policies

The example below illustrates the comparison of Jeep Commander insurance rates with and without physical damage coverage. The premium estimates are based on no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no additional discounts are factored in.

When to drop comprehensive and collision

There is no definitive rule for eliminating full coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Jeep Commander settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after the policy deductible has been paid. If it’s costing in excess of $200 annually to have full coverage, then you may want to consider only buying liability coverage.

There are a few situations where dropping full coverage is not financially feasible. If you haven’t satisfied your loan, you have to carry full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Car insurance in Arizona serves several purposes

Even though Chandler Commander insurance rates can get expensive, maintaining insurance is not optional due to several reasons.

First, the majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance coverage in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your car with a loan, almost all lenders will make it mandatory that you buy insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Jeep for a much higher rate and force you to reimburse them for the much more expensive policy.

Third, car insurance protects both your assets and your Jeep. It will also pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of having insurance outweigh the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is overpaying over $865 each year so compare quotes from several companies each time the policy renews to help ensure money is not being wasted.

Car insurance coverage basics

Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Liability

This coverage will cover damages or injuries you inflict on other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 15/30/10 which stand for a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as loss of income, bail bonds, emergency aid, medical expenses and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible. Arizona state law requires minimum liability limits of 15/30/10 but you should consider buying higher limits.

The next chart demonstrates why buying low liability limits may not be enough coverage.

Collision coverage protection

Collision coverage pays for damage to your Commander resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, rolling your car, colliding with a tree, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible on your Commander to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as falling objects, damage from a tornado or hurricane and rock chips in glass. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like doctor visits, dental work and hospital visits. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many Arizona drivers have only the minimum liability required by law (which is 15/30/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

How to find a good Chandler auto insurance company

Selecting a good quality car insurance provider can be a challenge considering how many choices there are in Arizona. The rank data shown next could help you pick which insurers to look at shopping your coverage with.

Top 10 Chandler Car Insurance Companies Overall

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Mercury Insurance