Want to save money and find more affordable Jeep Commander insurance in Lexington? Feel like you have an overpriced car insurance policy? You’re preaching to the choir because there are lots of people in the same boat.
Amazingly, a recent NerdWallet.com study showed that the vast majority of drivers kept buying from the same company for well over three years, and just under half have never even compared quotes to find cheap rates. Many consumers in Lexington could pocket up to $630 a year by just shopping around, but they just assume it’s a time-consuming process to do a rate comparison.
Numerous insurance companies battle for your insurance dollar, and because of this it can be hard to compare insurers to discover the definitive lowest cost out there.
If you are insured now, you will definitely be able to find better prices using the ideas covered in this article. Locating the best insurance company for you in Lexington is actually not that difficult if you follow our advice. But Kentucky drivers must understand how companies market insurance on the web and apply this information to your search.
All the larger insurance companies provide prices online. Comparing Jeep Commander insurance rates online is possible for anyone as you just enter your coverage information into the quote form. After you complete the form, their quoting system sends out for information on your driving record and credit history and gives you a price quote. Being able to quote online for Jeep Commander insurance in Lexington makes comparing rates easy, and it’s absolutely necessary to have as many quotes as possible if you are searching for a lower rate.
To fill out one form to compare multiple rates now, check out the insurance providers below. If you have coverage now, it’s recommended you type in coverages and limits just like they are on your policy. This guarantees you will have a rate comparison for similar coverage.
The companies shown below have been selected to offer free quotes in Lexington, KY. If multiple companies are listed, we suggest you visit as many as you can to get the lowest price.
Score discounts to get cheaper Lexington auto insurance quotes
Car insurance companies don’t necessarily list every available discount very well, so we researched a few of the more common and also the lesser-known credits available to lower your premiums when you buy Lexington auto insurance online.
- Pay Early and Save – By paying your entire bill at once as opposed to paying monthly you could save up to 5%.
- Early Signing – Some companies provide a discount for buying a policy prior to the expiration date on your current Commander insurance policy. It can save you around 10%.
- Defensive Driving Course – Passing a class that teaches safe driver techniques may get you a small discount if you qualify.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance in addition to your auto policy.
- Mature Driver Discount – Seniors can get lower premium rates.
- Professional Memberships – Joining qualifying employment or professional organizations is a simple method to lower premiums when shopping for auto insurance.
- Seat Belt Usage – Requiring all passengers to buckle their seat belts could cut 10% or more off the medical payments premium.
You should keep in mind that some of the credits will not apply to the whole policy. Most cut individual premiums such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But all discounts will help lower the amount you pay for coverage.
The illustration below shows the difference between Jeep Commander insurance costs with and without some available policy discounts. The premiums assume a male driver, no claims or driving violations, Kentucky state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, marriage, safe-driver, and claim-free discounts applied.
Companies that may include these discounts possibly include:
Before you buy a policy, ask all the companies what discounts are available to you. Some credits may not apply to policyholders in your state. To locate providers that offer the discounts shown above in Lexington, click here.
Premium rates and analysis
The price information shown next covers estimates of coverage costs for Jeep Commander models. Having knowledge of how premiums are established can help customers make decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $318 | $508 | $326 | $20 | $98 | $1,270 | $106 |
| Commander Sport 4WD | $318 | $598 | $326 | $20 | $98 | $1,360 | $113 |
| Commander Limited 2WD | $354 | $598 | $326 | $20 | $98 | $1,396 | $116 |
| Commander Limited 4WD | $354 | $598 | $326 | $20 | $98 | $1,396 | $116 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can raise or lower auto insurance rates considerably.
Physical damage deductible comparison
One frequently asked question is how high should the deductibles for physical damage be. The following tables determine how much more rates are of buying low and high comp and collision deductibles. The first set of rates uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $284 | $426 | $326 | $20 | $98 | $1,179 | $98 |
| Commander Sport 4WD | $284 | $500 | $326 | $20 | $98 | $1,253 | $104 |
| Commander Limited 2WD | $318 | $500 | $326 | $20 | $98 | $1,287 | $107 |
| Commander Limited 4WD | $318 | $500 | $326 | $20 | $98 | $1,287 | $107 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $232 | $342 | $326 | $20 | $98 | $1,018 | $85 |
| Commander Sport 4WD | $232 | $404 | $326 | $20 | $98 | $1,080 | $90 |
| Commander Limited 2WD | $258 | $404 | $326 | $20 | $98 | $1,106 | $92 |
| Commander Limited 4WD | $258 | $404 | $326 | $20 | $98 | $1,106 | $92 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in Lexington location which can alter rates greatly.
Based on the above data, using a $250 deductible will cost in the ballpark of $14 more each month or $168 every year across all Jeep Commander models than quoting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you average more than 18 months between claims, you would most likely save money by going with a higher deductible.
The example below demonstrates how deductibles and can impact Jeep Commander premium costs for each different age category. The price estimates are based on a married male driver, full physical damage coverage, and no discounts are applied.
Insurance prices based on gender
The illustration below illustrates the comparison of Jeep Commander car insurance rates for male and female drivers. The premium estimates are based on no claims or driving citations, full coverage, $500 deductibles, single status, and no policy discounts are applied.
Jeep Commander liability-only versus full coverage
The information below compares Jeep Commander insurance premiums with full physical damage coverage compared to only buying liability only. The premium estimates are based on no violations or accidents, $250 deductibles, single status, and no additional discounts are factored in.
Should you pay for full coverage or liability only?
There is no definitive guideline for excluding physical damage coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than about 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 say your Jeep Commander book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $8,000 after paying the physical damage deductible. If you are paying more than $800 annually for your policy with full coverage, then you might consider buying liability only.
There are some circumstances where removing full coverage is not a good idea. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not buy liability only.
Compare rates but buy from a neighborhood Lexington auto insurance agent
A small number of people still prefer to visit with an insurance agent. One of the benefits of comparing rates online is that you can find lower rates and still buy from a local agent.
After completing this short form, your coverage information is instantly submitted to insurance agents in Lexington that give free quotes for your insurance coverage. There is no need to search for an agent since rate quotes are delivered directly to you. You can find better rates AND a local agent. If you need to compare rates for a specific company, you just need to go to their quote page and give them your coverage information.
Selecting an provider should depend on more than just a cheap price quote. Here are some questions to ask:
- Does the company use OEM repair parts?
- Does the agency have a good rating with the Better Business Bureau?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Will their companies depreciate repairs to your car based on the mileage?
- Do they have designations such as AIC, CPCU, or CIC?
- Are they able to influence company decisions when a claim is filed?
Tailor your car insurance coverage to you
When buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.
These are some specific questions may help you determine if your insurance needs might need professional guidance.
- If my pet gets injured in an accident are they covered?
- How many claims can I have before being canceled?
- How much liability insurance is required?
- Should I rate my Jeep Commander as pleasure use or commute?
- If my car is totaled with they pay enough to replace it?
- Do I have coverage when using my vehicle for my home business?
- Does medical payments coverage apply to all occupants?
If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.
Insurance coverage specifics
Having a good grasp of your policy can help you determine which coverages you need for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy.
Coverage for collisions
Collision coverage pays for damage to your Commander from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things like crashing into a building, hitting a mailbox, sustaining damage from a pot hole, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible on your Commander to get cheaper collision coverage.
Comprehensive (Other than Collision)
This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims like a broken windshield, theft, damage from flooding and hail damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Jeep Commander.
Because many people only carry the minimum required liability limits (which is 25/50/10), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.
Liability car insurance
This will cover damage that occurs to people or other property in an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/10 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $10,000.
Liability can pay for things like court costs, medical services, loss of income and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible. Kentucky requires minimum liability limits of 25/50/10 but you should think about purchasing higher limits.
The next chart demonstrates why low liability limits may not be adequate.
Medical expense insurance
Med pay and PIP coverage kick in for bills like pain medications, dental work and hospital visits. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Persistent drivers can save
Consumers who switch companies do it for a number of reasons such as delays in paying claims, questionable increases in premium, an unsatisfactory settlement offer or even unfair underwriting practices. Regardless of your reason for switching companies, finding a new car insurance company is not as hard as you think.
You just learned a lot of information how to reduce Jeep Commander insurance premium rates online in Lexington. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even be surprised to find that the most savings is with an unexpected company.
Discount Jeep Commander insurance in Lexington is available both online and also from your neighborhood Lexington agents, and you should be comparing both in order to have the best chance of saving money. Some companies do not provide online rate quotes and many times these smaller providers only sell coverage through independent agents.
How to find cheaper Jeep Commander insurance in Lexington
If you want to find the absolute lowest rates, then the best way to get affordable Jeep Commander insurance in Lexington is to make a habit of regularly comparing prices from insurance carriers who can sell car insurance in Kentucky. This can be done by completing these steps.
- Read and learn about coverages and the measures you can control to keep rates in check. Many things that drive up the price such as speeding tickets, accidents and poor credit can be eliminated by paying attention to minor details.
- Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from a single company like Progressive or Allstate, while independent agencies can provide prices from multiple companies.
- Compare the price quotes to your existing policy to see if cheaper Commander coverage is available. If you find a better price and make a switch, verify that coverage does not lapse between policies.
One key aspect when comparing rates is that you’ll want to make sure you compare the same coverage limits and deductibles on each quote request and and to get price quotes from as many different insurance providers as possible. This helps ensure a fair price comparison and a thorough selection of prices.
Even more information is located in the articles below:
- Safety Features for Your New Car (State Farm)
- Who Has Cheap Car Insurance for Low Income Drivers in Lexington? (FAQ)
- Who Has the Cheapest Lexington Auto Insurance for Postal Workers? (FAQ)
- Alcohol Impaired Driving FAQ (iihs.org)
- Drunk Driving Statistics (Insurance Information Institute)
- Where can I buy Insurance? (Insurance Information Institute)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)