Cheapest Jeep Commander Insurance in Virginia Beach

Are you regretting buying an under-performing, overpriced car insurance policy? You’re in good company because you’re not the only one.

It’s safe to assume that car insurance companies want to keep you from comparing rates. People who shop around once a year are very likely to buy a new policy because they have a good chance of finding coverage at a cheaper rate. A recent car insurance study discovered that people who routinely shopped around saved $850 each year compared to drivers who didn’t regularly shop around.

If finding budget-friendly Jeep Commander insurance is your goal, then learning a little about how to quote and compare coverage rates can make the process less intimidating. Companies like Progressive, GEICO and Farmers Insurance persitently shower you with advertising and it can be hard to avoid their marketing magic and do the work needed to find the best deal.

If you have coverage now or need new coverage, follow these tips to cut your premiums while maximizing coverage. Locating the best rates in Virginia Beach is not rocket science. Comparison shoppers just have to use the best way to compare price quotes using one simple form.

Lowering your Jeep Commander auto insurance rates is not rocket science. The only requirement is to take a few minutes comparing rate quotes to find out which insurance company has affordable Jeep Commander insurance quotes.

Getting free price quotes online is quite simple, and it replaces the need to make phone calls or go to local Virginia Beach insurance agencies. Comparing Jeep Commander insurance rates online makes this unnecessary unless you want the professional guidance that only a licensed agent can provide. If you prefer, some companies allow you to obtain prices from the web but have your policy serviced through an agent.

The car insurance companies shown below can provide price quotes in Virginia Beach, VA. If you wish to find cheap auto insurance in VA, it’s a good idea that you visit two to three different companies to find the most competitive car insurance rates.

Auto insurance protects more than just your car

Even though it can be expensive, insuring your vehicle may be required and benefits you in several ways.

First, the majority of states have mandatory insurance requirements which means you are required to carry specific limits of liability in order to license the vehicle. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.

Second, if you have a lien on your car, it’s most likely the lender will make it a condition of the loan that you buy insurance to guarantee payment of the loan. If you let the policy lapse, the bank may insure your Jeep at a much higher premium rate and force you to pay for it.

Third, auto insurance protects both your Jeep Commander and your personal assets. It will also cover medical expenses for not only you but also any passengers injured in an accident. Liability coverage also pays for attorney fees and expenses 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 pay to restore your vehicle to like-new condition.

The benefits of having auto insurance are definitely more than the cost, especially if you ever need it. Today the average American driver overpays as much as $800 each year so smart consumers compare quotes every year to ensure rates are inline.

Jeep Commander coverage statistics

The premium table displayed below outlines detailed analysis of prices for Jeep Commander models. Understanding more about how policy rates are calculated can be valuable when making smart buying decisions.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium amounts do not factor in zip code location which can lower or raise auto insurance rates substantially.

Where to set your deductibles

One of the most common auto insurance questions is which deductibles should you choose. The data tables below can help you understand the premium difference of buying low and high policy deductibles. The first data table uses a $100 deductible for physical damage and the second price table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in specific location which can raise or lower insurance rates substantially.

Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $21 more each month or $252 each year than choosing the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 19 months between claim filings, you would come out ahead if you choose the higher deductible. The table below shows the way this determination is made.

An important sidenote is that increasing deductibles to save money means you will have to pay more if you have a claim. You need to have access to more funds in the event you need to pay more for the deductible.

Affordable Jeep Commander insurance in Virginia Beach

Some companies don’t list all available discounts in a way that’s easy to find, so we researched some of the more common and the more hidden savings tricks you should be using when you buy Virginia Beach auto insurance online.

• Senior Citizen Rates – Older drivers could receive a small discount on rates.
• Air Bags and Passive Restraints – Vehicles equipped with air bags may get savings of 20 to 30 percent.
• Waiver for an Accident – This one isn’t a discount, but some companies like Allstate, State Farm and GEICO may permit one accident without getting socked with a rate hike if you are claim-free prior to the accident.
• Memberships – Affiliation with a professional or civic organization could qualify you for a break when shopping for auto insurance.
• Full Payment Discount – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
• Military Deployment Discount – Having a deployed family member may lower your prices slightly.
• Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and qualify for as much as a 10% discount.
• Good Student Discount – Excelling in school may save you up to 25%. This discount can apply until age 25.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you can get free auto insurance, you won’t be that lucky.

The diagram below shows the comparison of Jeep Commander car insurance costs with and without policy discounts. The prices are based on a female driver, no tickets, no at-fault accidents, Virginia state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, safe-driver, marriage, and claim-free discounts applied.

A few of the larger companies and their offered discounts can be read below.

• State Farm includes discounts for multiple autos, Steer Clear safe driver discount, good driver, accident-free, passive restraint, and good student.
• GEICO policyholders can earn discounts including air bags, seat belt use, membership and employees, anti-theft, emergency military deployment, good student, and multi-vehicle.
• Progressive may include discounts for homeowner, continuous coverage, good student, online signing, multi-policy, online quote discount, and multi-vehicle.
• 21st Century has discounts for teen driver, student driver, theft prevention, driver training, defensive driver, and good student.
• American Family offers discounts for early bird, TimeAway discount, good driver, good student, and defensive driver.
• The Hartford offers premium reductions for defensive driver, anti-theft, vehicle fuel type, bundle, driver training, and good student.
• AAA has savings for multi-car, good driver, anti-theft, AAA membership discount, pay-in-full, multi-policy, and good student.

If you want the cheapest Jeep Commander rate quotes, ask each insurance company which discounts you qualify for. Some discounts listed above may not be available in Virginia Beach. To see providers with discount auto insurance rates in Virginia Beach, click here to view.

What is the best car insurance company in Virginia Beach?

Insuring your vehicle with the highest-rated insurer can be a challenge considering how many different companies insure vehicles in Virginia Beach. The ranking data shown next may help you select which car insurance providers to look at when shopping your coverage around.