Cheap Insurance for a Jeep Commander in Columbus

Trying to find the cheapest Jeep Commander insurance in Columbus? Trying to find better insurance prices for a new or used Jeep Commander in Ohio can normally be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to shop for car insurance and you need to know the proper way to get price quotes for a Jeep and locate the best price possible either online or from Columbus insurance agents.

Remarkably, a study showed that the vast majority of consumers kept buying from the same company for well over three years, and just under half have never compared rates to find cheaper insurance. Many consumers in Ohio can cut their rates by approximately 55% a year by just comparing quotes, but most just don’t grasp the actual amount they would save if they changed companies.

Quoting and comparing cheaper car insurance coverage in Columbus is easy to do. If you have coverage now or need new coverage, follow these tips to cut your premiums while maximizing coverage. Drivers only have to learn the tricks to compare insurance rates on the web.

The quickest way to compare policy rates for Jeep Commander insurance in Columbus takes advantage of the fact most of the bigger providers participate in online systems to compare their rates. The only thing you need to do is provide the companies a bit of rating information like how you use your vehicles, driver details, if you went to college, and the year, make and model of vehicles. That rating information is instantly sent to multiple companies and they respond with quotes with very little delay.

To find the cheapest Jeep Commander insurance rates, click here and complete the form.

The companies shown below provide price comparisons in Columbus, OH. If the list has multiple companies, it’s highly recommended you click on several of them in order to get a fair rate comparison.

Why you need vehicle insurance in Ohio

Even though Columbus Commander insurance rates can get expensive, paying for car insurance is mandatory in Ohio but it also protects more than you think.

• Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability in order to drive the car legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your vehicle, more than likely the lender will make it mandatory that you have full coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the bank may buy a policy for your Jeep at a more expensive rate and require you to pay the higher premium.
• Car insurance protects not only your car but also your financial assets. It will also pay for all forms of medical expenses incurred in an accident. Liability coverage also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of carrying enough insurance greatly outweigh the cost, particularly if you ever have a claim. An average driver in America is wasting up to $869 every year so we recommend shopping around at every policy renewal to ensure rates are competitive.

Insurance data for a Jeep Commander

The information shown next covers different insurance prices for Jeep Commander models. Learning how auto insurance premiums are determined can help guide drivers when making smart choices when selecting a coverage provider.

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in specific zip code location which can influence coverage rates significantly.

Should you raise deductibles?

A question often asked by Columbus drivers is how low should you set your deductibles. The rates below highlight the rate differences between high and low coverage deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Price information does not factor in vehicle location which can revise premium rates substantially.

We can estimate from the data above that using a $250 deductible costs roughly $19 more each month or $228 each year than requesting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 39 months between claims, you would more than likely save some money by going with a higher deductible.

One thing to note is that raising deductibles to get cheaper rates results in having to pay to pay more out-of-pocket if you have a claim. You should have some extra savings in the event you have to pay the deductible.

Insurance cost for men versus women in Columbus

The information below shows the comparison of Jeep Commander yearly insurance costs for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, marital status is single, and no discounts are applied.

Affordable Jeep Commander insurance in Columbus

Companies don’t list all their discounts very clearly, so the next list breaks down some of the more common and the more hidden credits available to lower your premiums when you buy Columbus auto insurance online.

• Low Mileage – Driving less can qualify you for discounted prices on garaged vehicles.
• Multi-policy Discount – When you have multiple policies and place coverage with the same company you could get a discount of as much as 10 to 15 percent.
• Seat Belts Save more than Lives – Drivers who require all occupants to buckle up can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Defensive Driver – Taking time to complete a defensive driving course could save 5% or more and also improve your driving technique.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents so you can save 10 percent or more.
• Pay Early and Save – By paying your policy upfront as opposed to paying monthly you may reduce your total bill.
• Discounts for Government Workers – Active or retired federal employment can earn a discount up to 10% depending on your car insurance provider.
• Homeowners Savings – Owning your own home or condo can save you money because of the fact that having a home is proof of financial responsibility.
• Early Switch Discount – Select insurance companies give a discount for renewing your policy prior to the expiration date on your current Commander insurance policy. Ten percent is about the average savings.

Keep in mind that some credits don’t apply to the whole policy. Most only cut specific coverage prices like medical payments or collision. Just because you may think you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts will positively reduce the amount you pay for coverage.

The example below illustrates the comparison of Jeep Commander insurance costs with and without discounts applied to the policy rates. The prices are based on a male driver, a clean driving record, no claims, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, multi-policy, marriage, and safe-driver discounts applied.

To choose providers that can offer you the previously mentioned discounts in Columbus, click here.

Local agents and insurance

Many people just prefer to go talk to an agent and that is just fine! Experienced insurance agents can make sure you are properly covered and help in the event of a claim. The biggest benefit of comparing insurance online is that you can find cheap insurance quotes and still have an agent to talk to. And providing support for local agents is important particularly in Columbus.

By using this form (opens in new window), your insurance data is instantly submitted to companies in Columbus who want to provide quotes to get your business. You won’t need to visit any agencies due to the fact that quote results will go to you directly. If you need to get a comparison quote for a specific company, don’t hesitate to search and find their rate quote page to submit a rate quote request.

Exclusive and independent Columbus car insurance agents

If you want to use an insurance agent, it’s important to understand the types of agencies and how they can write your policy. Agents in Columbus can be described as either independent or exclusive depending on the company they work for. Either can sell insurance policies, but it’s worth learning how they differ because it can influence which agent you choose.

Independent Insurance Agents

These agents do not work for one specific company and that gives them the ability to insure amongst many companies depending on which coverage is best. If they quote lower rates, they can switch companies in-house and you don’t have to find a new agent. If you need lower rates, you need to compare prices from several independent agencies to get the most accurate price comparison. Most can insure with companies that do not advertise much that many times have cheaper rates.

Featured below is a short list of independent agents in Columbus who can help you get comparison quotes.

• John Dawson Associates
  6025 Cleveland Ave – Columbus, OH 43231 – (614) 890-1660 – View Map
• All Ohio Insurance Agency Inc
  180 Northwoods Blvd – Columbus, OH 43235 – (614) 825-0770 – View Map
• Nationwide Insurance: Glenn R Williams
  2930 N High St – Columbus, OH 43202 – (614) 268-3567 – View Map

More Columbus agents

Exclusive Insurance Agencies

Agents that choose to be exclusive normally can only provide a single company’s rates like Allstate, State Farm and Farm Bureau. These agents are unable to provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive agents receive extensive training on their company’s products which helps them sell insurance even at higher premiums. Consumers sometimes buy insurance from these agents mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.

The following is a list of exclusive agents in Columbus who can help you get price quote information.

• Buddy White – State Farm Insurance Agent
  1500 S Hamilton Rd – Columbus, OH 43227 – (614) 864-1050 – View Map
• Jerry Doherty – State Farm Insurance Agent
  21 W Broad St #100 – Columbus, OH 43215 – (614) 461-7833 – View Map
• Gary Bepler – State Farm Insurance Agent
  3246 Noe Bixby Rd – Columbus, OH 43232 – (614) 837-4379 – View Map

More Columbus agents

Selecting an auto insurance agent is decision based upon more than just a low price. These are valid questions to ask:

• What is the financial rating for the quoted company?
• If independent agents, which companies do they recommend?
• Did they already check your driving record and credit reports?
• How long have they been in business?
• Is there a 24/7 contact number?

Once you have good answers to all your questions as well as affordable Jeep Commander insurance rates in Columbus quotes, you may have found a car insurance agent that meets your needs to properly service your insurance policy. Keep in mind you can always cancel a policy for any reason so don’t think that you’re stuck with any specific company for any length of time.

You can find affordable coverage

When getting Columbus auto insurance quotes online, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where someone dropped liability limits or collision coverage to discover at claim time they didn’t have enough coverage. Your goal is to buy the best coverage you can find at the best cost, but do not skimp to save money.

People switch companies for a variety of reasons including lack of trust in their agent, high rates after DUI convictions, being labeled a high risk driver and policy cancellation. No matter why you want to switch, switching insurance companies is less work than it seems.

You just read a lot of information how to get a better price on Jeep Commander insurance in Columbus. The key concept to understand is the more companies you get car insurance rates for, the better likelihood of getting the cheapest Jeep Commander rate quotes. Consumers could even find that the lowest priced insurance comes from a lesser-known regional company.

Steps to finding discount Jeep Commander insurance in Columbus

To save the most money, the best way to find cheaper prices for auto insurance rates is to do an annual price comparison from insurers who sell insurance in Columbus. Rate comparisons can be done by completing these steps.

1. It will benefit you to learn about auto insurance and the changes you can make to prevent expensive coverage. Many things that increase rates like distracted driving and poor credit history can be rectified by paying attention to minor details.
2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or State Farm, while agents who are independent can provide rate quotes for many different companies.
3. Compare the new quotes to the premium of your current policy and see if there is a cheaper rate. If you find a better price and change companies, make sure there is no coverage gap between policies.

A good tip to remember is to compare the same physical damage deductibles and liability limits on every quote request and and to get price quotes from as many carriers as you can. Doing this guarantees an apples-to-apples comparison and the best price selection.

To read more, feel free to visit these articles:

• Auto Crash Statistics (Insurance Information Institute)
• Who Has the Cheapest Columbus Car Insurance Quotes for Drivers with Bad Credit? (FAQ)
• Rental Car Insurance Tips (Insurance Information Institute)
• Teen Driving Statistics (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• Protect Yourself Against Auto Theft (Insurance Information Institute)