Cheapest Jeep Commander Insurance in Virginia Beach

Insurance rates Jeep Commander in Virginia BeachAre 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.

Jeep Commander Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $182 $270 $258 $16 $78 $804 $67
Commander Sport 4WD $182 $318 $258 $16 $78 $852 $71
Commander Limited 2WD $204 $318 $258 $16 $78 $874 $73
Commander Limited 4WD $204 $318 $258 $16 $78 $874 $73
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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.

Jeep Commander insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $250 $400 $258 $16 $78 $1,027 $86
Commander Sport 4WD $250 $472 $258 $16 $78 $1,099 $92
Commander Limited 2WD $278 $472 $258 $16 $78 $1,127 $94
Commander Limited 4WD $278 $472 $258 $16 $78 $1,127 $94
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Jeep Commander insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $182 $270 $258 $16 $78 $804 $67
Commander Sport 4WD $182 $318 $258 $16 $78 $852 $71
Commander Limited 2WD $204 $318 $258 $16 $78 $874 $73
Commander Limited 4WD $204 $318 $258 $16 $78 $874 $73
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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.

Average monthly premium for $100 deductibles: $92
Average monthly premium for $500 deductibles (subtract): – $71
Monthly savings from raising deductible: $21
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

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.Discount auto insurance

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.

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.

Virginia Beach, Virginia Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Erie Insurance 87 84 85 85% A+ 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies