If you want to save money, the best way to find the cheapest price for Jeep Commander insurance is to compare prices regularly from providers in Irvine. Price quotes can be compared by following these guidelines.
Step 1: Read about coverages and the steps you can take to lower rates. Many factors that drive up the price such as speeding tickets, accidents and a not-so-good credit history can be amended by making minor changes in your lifestyle.
Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agencies can quote rates for a wide range of insurance providers. View rates
Step 3: Compare the price quotes to your current policy to see if switching to a new carrier will save money. If you find a better price, ensure coverage does not lapse between policies.
The critical component of shopping around is to make sure you enter the same deductibles and limits on every quote request and and to get price quotes from as many companies as you can. This provides an apples-to-apples comparison and a complete price analysis.
Unbelievably, almost 70% of drivers in California kept their policy with the same company for at least the last four years, and virtually 40% of consumers have never quoted rates to find affordable coverage. Many consumers in America could save an average of nearly $850 each year by just comparing rate quotes, but they just don’t understand the big savings they would realize if they switch to a new company.
The companies shown below are ready to provide free rate quotes in California. If your goal is to find cheap auto insurance in California, we suggest you get prices from several of them to get the cheapest price.
Jeep Commander insurance rate analysis
The coverage information shown below showcases detailed analysis of insurance prices for Jeep Commander models. Understanding how auto insurance premiums are formulated can aid in making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $286 | $426 | $456 | $26 | $136 | $1,330 | $111 |
| Commander Sport 4WD | $286 | $502 | $456 | $26 | $136 | $1,406 | $117 |
| Commander Limited 2WD | $318 | $502 | $456 | $26 | $136 | $1,438 | $120 |
| Commander Limited 4WD | $318 | $502 | $456 | $26 | $136 | $1,438 | $120 |
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate information does not factor in specific location information which can lower or raise rates substantially.
Higher deductibles lower rates
A question often asked by Irvine drivers is which deductibles should you choose. The following insurance rates approximate the rate difference between high and low physical damage coverage deductibles. The first data table uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Commander Sport 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Commander Limited 2WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Commander Limited 4WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Commander Sport 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Commander Limited 2WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Commander Limited 4WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price information does not factor in zip code location which can change prices significantly.
We can estimate from the data above that using a $250 deductible could cost the average driver approximately $35 more each month or $420 each year than buying the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 21 months between claim filings, you would probably be better off going with the higher deductible.
How to calculate when to raise deductibles
| Average monthly premium for $250 deductibles: | $140 |
| Average monthly premium for $1,000 deductibles (subtract): | – $105 |
| Monthly savings from raising deductible: | $35 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $35 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One big caveat is that a higher deductible level means you pay more out-of-pocket at claim time. That will require access to more funds in the event you have to pay the deductible to have repairs made.
The illustration below shows how choosing a deductible and can increase or decrease Jeep Commander premium costs for each age group. The data is based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.
Compare rate quotes but work with a local Irvine insurance agency
Certain consumers still like to get professional advice from a licensed agent and that is OK! Most agents are very good at helping people manage risk and help file insurance claims. One of the benefits of comparing rate quotes online is that drivers can save money and get cheap insurance quotes and still buy from a local agent.
To make it easy to find an agent, after completing this form (opens in new window), the quote information is emailed to local insurance agents in Irvine who want to provide quotes for your insurance coverage. You won’t need to leave your house since price quotes are sent immediately to your email address. If you want to compare rates from a particular provider, feel free to go to their quote page and fill out the quote form the provide.
Picking the best insurer requires you to look at more than just the price. A good agent in Irvine will have answers to these questions.
- How many companies do they write for?
- Will they give you a referral list?
- Can you contact them at any time?
- Is the agency involved in supporting local community causes?
- Do they get extra compensation for selling add-on coverages?