Want cheaper Jeep Commander insurance in Mesa? Tired of sacrificing other expenses to pay high auto insurance rates every month? You are in the same boat as many other Arizona drivers.
Unbelievable but true according to a study over 70% of Arizona drivers have purchased from the same company for a minimum of four years, and approximately 38% of consumers have never even compared quotes to find cheaper rates. Most drivers in the U.S. could cut their rates by approximately $860 a year by just comparing rate quotes, but most tend to underestimate the amount of savings they would get if they moved their coverage to a different company.
How to find discount Jeep Commander insurance in Mesa
If saving the most money is your goal, then the best way to find the cheapest price for car insurance rates in Mesa is to compare quotes once a year from providers who provide car insurance in Arizona. This can be done by following these guidelines.
- First, read and learn about the different coverages in a policy and the measures you can take to prevent high rates. Many policy risk factors that cause rate increases like distracted driving and a lousy credit rating can be rectified by making small lifestyle or driving habit changes. Continue reading for information to get cheaper coverage and find overlooked discounts.
- Second, compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like GEICO and State Farm, while independent agents can give you price quotes from multiple insurance companies.
- Third, compare the new rates to your existing policy and determine if there is any savings. If you can save some money and switch companies, verify that coverage does not lapse between policies.
- Fourth, notify your company or agent of your decision to cancel your existing policy. Submit payment along with a signed and completed policy application to the newly selected company. As soon as you have the new policy, place your new proof of insurance certificate with the vehicle registration.
A good piece of advice is to try to use the same physical damage deductibles and liability limits on every quote request and and to compare as many auto insurance providers as possible. This helps ensure a fair rate comparison and the most accurate and complete price analysis.
There are many auto insurance companies to pick from, and although it’s nice to have multiple companies, too many choices makes it more difficult to compare company pricing for Jeep Commander insurance in Mesa.
Compare free Mesa Jeep Commander insurance price quotes
Most major insurance companies allow consumers to get prices on the web. Getting quotes for Jeep Commander insurance in Mesa is fairly simple as all you need to do is type in your required coverages into the form. Once you submit the form, the system will obtain credit information and your driving record and provides a quote based on these factors. This simplifies rate comparisons, and it’s necessary to perform this step in order to get the lowest payment on car insurance.
If you want to find out if lower rates are available, 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 duplicate the insurance coverages exactly as shown on your declarations page. This way, you will have a fair comparison for the exact same coverage.
The companies in the list below can provide price quotes in Mesa, AZ. If you want to find the cheapest car insurance in AZ, we suggest you visit as many as you can in order to get a fair rate comparison.
Car insurance discounts help lower rates for Jeep Commander insurance in Mesa
Some providers do not list all discounts very well, so we break down some of the more common and also the lesser-known discounts that may be available.
- Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Discount for Home Ownership – Owning a home in Mesa can save you money because maintaining a house shows financial diligence.
- Discount for Life Insurance – Some insurance carriers give a discounted rate on car insurance if you buy a life policy as well.
- College Student Discount – College-age children who attend college more than 100 miles from Mesa and do not have a car can be insured at a reduced rate.
- Early Renewal Discounts – Some car insurance companies reward drivers for renewing your policy before your current coverage expires. This can save 10% or more.
- Government Employee Discount – Active or retired federal employment may qualify for a discount when you quote Mesa car insurance depending on your car insurance provider.
- Payment Method – If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.
- Smart Student Discounts – Getting good grades can earn a discount of 20% or more. You can use this discount normally up until you turn 25.
Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
The diagram below visualizes the comparison of Jeep Commander insurance costs with and without discounts being applied to the rates. The costs are based on a male driver, no violations or claims, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, marriage, multi-policy, and safe-driver discounts applied.
A list of companies and some of their more popular discounts can be found below.
- Progressive offers discounts including multi-vehicle, multi-policy, homeowner, online signing, online quote discount, continuous coverage, and good student.
- The Hartford may include discounts for anti-theft, vehicle fuel type, defensive driver, air bag, good student, and driver training.
- Mercury Insurance discounts include accident-free, annual mileage, multi-car, multi-policy, good student, and location of vehicle.
- GEICO policyholders can earn discounts including defensive driver, driver training, multi-vehicle, seat belt use, and federal employee.
- AAA has discounts for AAA membership discount, good student, education and occupation, anti-theft, multi-policy, pay-in-full, and multi-car.
- State Farm may offer discounts for Steer Clear safe driver discount, passive restraint, multiple autos, Drive Safe & Save, defensive driving training, student away at school, and good student.
If you need lower rates, check with every prospective company how you can save money. Some of the earlier mentioned discounts might not be offered in Mesa. If you would like to see a list of insurance companies who offer online Jeep Commander insurance quotes in Arizona, click this link.
Jeep Commander insurance coverage information
The premium information displayed below covers estimates of coverage costs for Jeep Commander models. Being more informed about how prices are figured can assist in making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $182 | $308 | $338 | $20 | $102 | $950 | $79 |
| Commander Sport 4WD | $182 | $364 | $338 | $20 | $102 | $1,006 | $84 |
| Commander Limited 2WD | $204 | $364 | $338 | $20 | $102 | $1,028 | $86 |
| Commander Limited 4WD | $204 | $364 | $338 | $20 | $102 | $1,028 | $86 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in Mesa location which can impact auto insurance rates substantially.
Can higher deductibles save money?
One of the most common auto insurance questions is how high should the physical damage coverage deductibles be. The premium rates below may help to conceptualize the costs and benefits of buying low and high physical damage coverage deductibles. The first rate table uses a $250 physical damage deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Commander Sport 4WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Commander Limited 2WD | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Commander Limited 4WD | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Commander Sport 4WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Commander Limited 2WD | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| Commander Limited 4WD | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price information does not factor in your specific Mesa location which can affect coverage prices significantly.
Based on these figures, using a $250 deductible will cost in the ballpark of $13 more each month or $156 every year averaged for all Commander models than choosing the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 19 months between claims, you would probably be better off by going with a higher deductible.
Jeep Commander insurance rates: Men versus women
The diagram below compares Jeep Commander insurance costs for male and female drivers. The premiums assume no accidents or driving violations, full coverage, $500 deductibles, drivers are single, and no discounts are taken into consideration.
Does it make sense to buy full coverage?
The diagram below illustrates the comparison of Jeep Commander premium costs with and without physical damage coverage. The data assumes no driving violations, no at-fault accidents, $500 deductibles, single marital status, and no discounts are applied to the premium.
Are you wasting money paying for full coverage?
There is no exact formula that works best for making the decision to drop physical damage insurance, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Jeep Commander book value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $5,000 after the policy deductible has been paid. If it’s costing in excess of $500 a year for physical damage coverage, then you might consider buying liability only.
There are a few cases where dropping full coverage is not recommended. If you haven’t paid off your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not buy liability only.
Exclusive versus independent insurance agents
Many people just prefer to visit with an insurance agent and we recommend doing that Professional insurance agents will help you protect your assets and will help you if you have claims. One of the great benefits of comparing insurance prices online is the fact that drivers can get lower rates and still have a local agent.
By using this short form, the coverage information is submitted to insurance agents in Mesa who will give you bids for your coverage. There is no need to leave your computer since rate quotes are delivered immediately to your email address. If you wish to compare rates for a specific company, just go to their quote page and submit a quote form there.
Finding the right provider requires you to look at more than just the premium amount. Below are some questions you should ask.
- Are they actively involved in the community?
- Will you get a loaner vehicle if you car is being repaired?
- Which insurance companies are they affiliated with?
- Can glass claims be handled at your home?
- Do you need full coverage on every vehicle?
Listed below is a list of insurers in Mesa that may be able to provide price quotes for Jeep Commander insurance in Mesa.
Allstate Insurance: Michael Grizzle
1119 E University Dr – Mesa, AZ 85203 – (480) 834-1233 – View Map
Thomas Cho – State Farm Insurance Agent
2500 E Southern Ave – Mesa, AZ 85204 – (480) 777-1100 – View Map
American Family Insurance – Brian Johnson Agency Inc.
3660 E University Dr Ste 3 – Mesa, AZ 85205 – (480) 634-7039 – View Map
Jeff Klusmann Insurance Agency
1955 N Val Vista Dr – Mesa, AZ 85213 – (480) 830-0080 – View Map
Three reasons to not skimp on insurance
Despite the high cost, buying insurance is a good idea for several reasons.
First, almost all states have mandatory insurance requirements which means state laws require a minimum amount of liability insurance coverage in order to license the vehicle. 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 took out a loan on your vehicle, it’s most likely the lender will force you to have comprehensive coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may insure your Jeep at a significantly higher premium and require you to pay for it.
Third, insurance safeguards both your assets and your car. It will also provide coverage for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also covers legal expenses if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance greatly outweigh the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer overpays as much as $865 each year so compare rates at every policy renewal to be sure current rates are still competitive.
Car insurance policy coverages for a Jeep Commander
Having a good grasp of your car insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most car insurance policies.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries 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), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive coverages
Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as damage from a tornado or hurricane, falling objects, hail damage and hitting a deer. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Collision coverage
Collision coverage will pay to fix damage to your Commander from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as sideswiping another vehicle, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible on your Commander to get cheaper collision coverage.
Liability
This provides protection from damage that occurs to a person or their property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 15/30/10 which stand for $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and a limit of $10,000 paid for damaged property.
Liability coverage protects against claims such as bail bonds, funeral expenses and medical services. How much coverage you buy is your choice, but you should buy as high a limit as you can afford. Arizona state law requires minimum liability limits of 15/30/10 but it’s recommended drivers buy more liability than the minimum.
The next chart shows why the minimum limit may not provide adequate coverage.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like funeral costs, ambulance fees, doctor visits and pain medications. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
You can find cheaper coverage
Budget-friendly auto insurance in Mesa is available online and also from your neighborhood Mesa agents, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who may not provide internet price quotes and usually these smaller providers only sell through independent agents.
In this article, we covered a lot of tips how to find lower-cost Jeep Commander insurance in Mesa. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may even discover the lowest prices come from the smaller companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.
Steps to finding lower priced Jeep Commander insurance in Mesa
To save the most money, the best way to get discount car insurance rates is to make a habit of comparing prices annually from different companies that sell auto insurance in Mesa.
- Try to comprehend how companies price auto insurance and the steps you can take to prevent high rates. Many factors that increase rates such as careless driving and a less-than-favorable credit history can be amended by making minor changes to your lifestyle.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like GEICO and Allstate, while agents who are independent can provide price quotes for many different companies.
- Compare the price quotes to your current policy premium and see if you can save money. If you find a lower rate quote and buy the policy, make sure there is no lapse in coverage.
One key aspect when comparing rates is that you’ll want to compare the same physical damage deductibles and liability limits on each price quote and and to get rate quotes from as many companies as possible. Doing this helps ensure a fair rate comparison and the best price quote selection.
Additional learning opportunities
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Who Has Cheap Mesa Car Insurance for Handicapped Drivers? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Inexperienced Drivers in Mesa? (FAQ)
- What Auto Insurance is Cheapest for a Dodge Ram in Mesa? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers with Accidents in Mesa? (FAQ)
- Who Has the Cheapest Auto Insurance for High Risk Drivers in Mesa? (FAQ)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- A Tree Fell on Your Car: Now What? (Allstate)
- What is a Telematics Device? (Allstate)