Paying for pricey Jeep Commander insurance in San Antonio can stress out your checking account and make it hard to pay other bills. Getting a rate comparison can save money and help to slash your bill and have more diposable income.
It’s amazing but over 70% of Texas drivers kept buying from the same company for at least four years, and 38% of customers have never quoted car insurance rates at all. With the average premium in the U.S. being $1,847, drivers could cut their rates by up to 46.5% a year by just comparing quotes, but they mistakenly think it’s difficult to compare other rate quotes. Many auto insurance companies vie for your hard-earned dollar, so it can be very hard to choose a company to find the absolute lowest cost out there.
It’s a great practice to get comparison quotes before your next renewal since prices are variable and change quite frequently. Even if you think you had the best price on Jeep Commander insurance in San Antonio a couple years back you may be paying too much now. There is a lot of wrong information about Commander insurance online, but in just a couple of minutes you can learn some of the best techniques to lower your car insurance rates in San Antonio.
Save Money with These Tips
Part of the insurance buying process is learning a few of the rating criteria that go into determining the price you pay for insurance. If you have some idea of what determines base rates, this enables you to make decisions that can earn you lower rates.
The items below are a partial list of the pieces utilized by car insurance companies to help set prices.
Prevent your car from being stolen – Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder auto theft.
Affects performance affects auto insurance prices – The make and model of the car you own makes a huge difference in the rate you pay. The best insurance prices tend to be for the lowest performance passenger cars, but the cost you end up paying is determined by many additional factors.
The chart below uses these assumptions: single male driver age 50, full coverage with $500 deductibles, and no discounts or violations. The data compares Jeep Commander policy rates compared to other models of vehicles that have a range of performances.
Location can affect price – Being located in less populated areas can be a good thing when insuring your vehicles. Drivers who live in large cities have to deal with more road rage incidents and much longer commute distances. Less people translates into fewer accidents as well as less vandalism and auto theft.
Traffic violations increase costs – Careful drivers get better prices compared to bad drivers. Even a single citation could increase your next policy renewal by as much as twenty percent. Drivers who have careless violations such as hit and run, DWI or reckless driving convictions may need to complete a SR-22 with their state in order to legally drive a vehicle.
The example below shows how traffic citations and at-fault accidents can impact Jeep Commander car insurance rates for each different age group. The data is based on a single female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.
Cars with good safety ratings means better insurance rates – Vehicles with high crash test scores get lower rates. The safest vehicles help reduce the chance of injuries in an accident and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates.
Lower rates come with age – Young drivers in Texas are statistically proven to be careless and easily distracted with other occupants in the car so they pay higher insurance rates. Having to add a young driver to your policy can really hurt. Older people are more responsible, tend to cause fewer accidents, and are generally more financially stable.
The data below is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
Don’t abuse insurance claims – If you frequently file small claims, you can pretty much guarantee higher premiums or even policy non-renewal. Auto insurance companies in Texas provide cheaper rates to policyholders who only file infrequent claims. Insurance coverage is designed for major claims that would cause financial hardship.
The best way to compare policy rates for Jeep Commander insurance in San Antonio is to know the fact most larger insurance companies pay for the opportunity to give rate comparisons. To get started, all you need to do is provide the companies a bit of rating information such as the ages of drivers, your education level, whether you are single or married, and how you use your vehicles. Those rating factors gets sent immediately to multiple companies and you receive quotes very quickly.
To get price quotes for your Jeep Commander now, click here and complete the form.
The following companies are our best choices to provide quotes in Texas. If more than one company is shown, we recommend you click on several of them in order to find the most competitive rates.
Statistics and details
The rate table shown next covers estimates of insurance coverage prices for Jeep Commander models. Understanding more about how premiums are calculated can help guide drivers when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $336 | $544 | $392 | $24 | $118 | $1,414 | $118 |
| Commander Sport 4WD | $336 | $642 | $392 | $24 | $118 | $1,512 | $126 |
| Commander Limited 2WD | $376 | $642 | $392 | $24 | $118 | $1,552 | $129 |
| Commander Limited 4WD | $376 | $642 | $392 | $24 | $118 | $1,552 | $129 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price information does not factor in San Antonio location which can decrease or increase auto insurance rates greatly.
Where to set your deductibles
One of the hardest decisions when shopping for car insurance is how high should the physical damage deductibles be. The tables below can help show how much more you’ll pay between high and low physical damage deductibles. The first rate table uses a $100 deductible for physical damage and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Commander Sport 4WD | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Commander Limited 2WD | $412 | $698 | $382 | $22 | $114 | $1,653 | $138 |
| Commander Limited 4WD | $412 | $698 | $382 | $22 | $114 | $1,653 | $138 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $206 | $312 | $382 | $22 | $114 | $1,036 | $86 |
| Commander Sport 4WD | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Commander Limited 2WD | $228 | $368 | $382 | $22 | $114 | $1,114 | $93 |
| Commander Limited 4WD | $228 | $368 | $382 | $22 | $114 | $1,114 | $93 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Table data does not factor in specific location which can affect coverage prices considerably.
We can derive from the above data that using a $100 deductible could cost the average driver approximately $43 more each month or $516 each year than buying the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 21 months between claim filings, you would probably come out ahead going with the higher deductible. Here’s the way you can come to your own conclusion.
| Average monthly premium for $100 deductibles: | $134 |
| Average monthly premium for $1,000 deductibles (subtract): | – $91 |
| Monthly savings from raising deductible: | $43 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $43 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
Men versus women drivers and insurance cost
The illustration below illustrates the difference between Jeep Commander insurance costs for male and female drivers. The information is based on no violations or accidents, full coverage, $500 deductibles, single marital status, and no other discounts are factored in.
Auto insurance is not optional but you don’t have to overpay
Even though it’s not necessarily cheap to insure a Jeep in San Antonio, paying for auto insurance is required in Texas but it also protects you in many ways.
- Just about all states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Jeep, most banks will require you to buy insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank will be required to insure your Jeep at a much higher rate and force you to pay the higher price.
- Auto insurance preserves not only your car but also your assets. It also can pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability coverage will also pay to defend you if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to repair the damage.
The benefits of having auto insurance outweigh the cost, particularly if you ever have a claim. As of last year, the average driver in Texas is currently overpaying as much as $865 each year so it’s important to compare rates every year to ensure rates are inline.
Do you qualify for discounts?
Insurance is not an enjoyable expense, but you may be missing some discounts that could drop your premiums quite a bit. Most are applied when you complete an application, but some must be manually applied before being credited. If you do not check that you are getting every discount possible, you could be paying more than you need to.
- Own a Home and Save – Simply owning a home can get you a discount because of the fact that having a home is proof that your finances are in order.
- Multiple Policy Discount – If you insure your home and vehicles and insure them with the same company you could get a discount of 10% to 20% off each policy.
- Discounts for Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote San Antonio car insurance with certain companies.
- Driver Education Discount – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in high school.
- Claim Free – Drivers with accident-free driving histories get the best insurance rates compared to drivers with a long claim history.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings of up to 25% or more.
Discounts lower rates, but most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears you can get free auto insurance, company stockholders wouldn’t be very happy. Any qualifying discounts will bring down the cost of coverage.
The illustration below shows the difference between Jeep Commander insurance prices with and without discounts applied to the policy premium. The price estimates are based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, claim-free, marriage, and homeowner discounts applied.
Car insurance companies that may include these money-saving discounts include:
When comparing rates, check with every company which discounts you may be entitled to. Savings might not be available to policyholders everywhere. To find insurance companies who offer free Jeep Commander insurance quotes in San Antonio, click here.
Insurance agents are trained to help
A lot of people still prefer to talk to an insurance agent and that can be a great decision Insurance agents are trained risk managers and help file insurance claims. The best thing about getting free rate quotes online is you may find lower car insurance rates and also buy local.
To find an agent, once you fill out this short form, your insurance data is submitted to local insurance agents in San Antonio who will return price quotes for your insurance coverage. It’s much easier because you don’t need to visit any agencies due to the fact that quote results will go immediately to you. If for some reason you want to compare rates for a specific company, just jump over to their website and fill out their quote form.
Choosing a insurance company needs to be determined by more than just a cheap quote. Before buying a policy in San Antonio, get answers to these questions.
- Are there any discounts that you might be missing?
- Will the quote change when the policy is issued?
- Do they have designations such as AIC, CPCU, or CIC?
- Where are claims handled?
- How much training do they have in personal risk management?
- Will one accident increase rates?
- If they are an independent agency in San Antonio, which companies do they recommend?
- Do they have cheaper tiers of coverage?
If you need to find a good San Antonio insurance agent, it’s helpful to know the different types of agents and how they operate. Auto insurance agents can be classified as either exclusive or independent. Both sell auto insurance policies, but it’s important to point out the subtle differences since it could factor into your selection of an agent.
Exclusive Auto Insurance Agencies
Exclusive agencies are contracted to one company such as Allstate, Farmers Insurance or State Farm. These agents are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are trained well on what they offer which can be an advantage.
The following are exclusive agencies in San Antonio that can give you price quotes.
Jacqui Lugar – State Farm Insurance Agent
1248 Austin Hwy Ste. 202 – San Antonio, TX 78209 – (210) 822-2121 – View Map
Paul Wittmaier – State Farm Insurance Agent
16613 Huebner Rd – San Antonio, TX 78248 – (210) 493-3577 – View Map
Rivers Schara – State Farm Insurance Agent
1775 Encino Rio Boulevard – San Antonio, TX 78259 – (210) 496-9533 – View Map
Independent Insurance Agents
Agents of this type are not locked into one company so they have the ability to put coverage with many different companies and get the cheapest rates. If they find a lower price, the business is moved internally and that require little work on your part.
When comparing rates, you will want to get several quotes from a few independent agents to get the best comparison.
Below is a short list of independent agents in San Antonio who can help you get price quote information.
Atlas Insurance Agency,Inc
1954 SW Military Dr – San Antonio, TX 78221 – (210) 927-2277 – View Map
Bapodra Insurance Agency, Inc
8607 Wurzbach Rd #101 – San Antonio, TX 78240 – (210) 696-1133 – View Map
Garcia Insurance Agency
1255 SW Military Dr – San Antonio, TX 78221 – (210) 593-8935 – View Map
Which is the best car insurance?
Keep in mind that when it comes to choosing insurance from an agent or online, there really is not a perfect coverage plan. You are unique so this has to be addressed.
For example, these questions can aid in determining whether you might need an agent’s assistance.
- How much will a speeding ticket raise my rates?
- What discounts do I qualify for?
- Is my vehicle covered by my employer’s policy when using it for work?
- Why am I required to get a high-risk car insurance policy?
- When should I drop full coverage on my Jeep Commander?
- Is my camper covered by my car insurance policy?
- What is an adequate liability insurance limit?
- Is pet coverage available?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- What does medical payments cover?
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.
Final considerations
The cheapest Jeep Commander insurance in San Antonio can be sourced online in addition to local insurance agencies, so get free San Antonio car insurance quotes from both of them in order to have the best chance of saving money. Some insurance providers do not provide price quotes online and usually these smaller providers sell through independent insurance agents.
When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where an insured dropped liability coverage limits and found out when filing a claim that the savings was not a smart move. The aim is to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.
We just presented a lot of information how to lower your Jeep Commander insurance prices in San Antonio. The key thing to remember is the more rate comparisons you have, the better likelihood of getting inexpensive San Antonio car insurance quotes. You may even discover the lowest priced auto insurance comes from the least-expected company. Smaller companies can often provide lower rates in certain areas than their larger competitors like Progressive and GEICO.
To read more, take a look at the articles below:
- Auto Insurance Basics (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Rates for Welfare Recipients in San Antonio? (FAQ)
- Vehicle Insurance (Wikipedia)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Prom Night Tips for Teen Drivers (State Farm)