Save Money on Jeep Commander Insurance in Boston

Inconceivable but true, the vast majority of drivers kept buying from the same company for four years or more, and nearly the majority have never quoted car insurance rates at all. Most drivers in Boston could pocket almost 45% a year by just shopping around, but they don’t know the big savings they would realize if they switched.

If your goal is the lowest price, then the best way to save on Jeep Commander insurance in Boston is to start doing an annual price comparison from companies who can sell car insurance in Massachusetts. Drivers can shop around by following these guidelines.

First, try to learn about what is in your policy and the changes you can make to prevent rate increases. Many risk factors that result in higher rates such as accidents, traffic tickets, and a low credit rating can be controlled by making minor driving habit or lifestyle changes. This article provides information to prevent rate hikes and find overlooked discounts.

Second, compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO and Allstate, while independent agents can provide prices from multiple insurance companies.

Third, compare the new rate quotes to your existing policy and see if you can save money. If you can save some money and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

The key aspect of shopping around is that you’ll want to make sure you compare identical limits and deductibles on every quote request and to quote with all possible companies. Doing this provides a fair price comparison and the best price selection.

Buying the cheapest insurance in Boston can really be easy if you know what you’re doing. Nearly every car owner who is shopping for insurance will most likely find a cheaper policy. Nevertheless, Massachusetts drivers must know how companies sell online and use this information to your advantage.

Companies offering Jeep Commander insurance in Massachusetts

The companies shown below have been selected to offer price comparisons in Boston, MA. If you want cheaper auto insurance in Massachusetts, it’s a good idea that you visit several of them to find the cheapest car insurance rates.

Jeep Commander detailed coverage information

The premium table shown below showcases estimates of insurance rates for Jeep Commander models. Having knowledge of how insurance policy rates are determined can benefit drivers when making smart policy decisions.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in specific location information which can affect prices significantly.

Higher deductibles lower rates

A question often asked by Boston drivers is how low should you set your deductibles. The following tables highlight how much more you’ll pay when you choose different comp and collision deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Table data does not factor in garaging location in Boston which can lower or raise auto insurance rates greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $27 more each month or $324 a year averaged for all Commander models than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 28 months between claim filings, you would more than likely save some money if you choose a higher deductible.

The illustration below shows how choosing a deductible and can change Jeep Commander yearly insurance costs for different age groups of insureds. The costs are based on a single male driver, full coverage, and no discounts are taken into consideration.

Cost comparison with and without full coverage

The illustration below visualizes the comparison of Jeep Commander insurance costs when comparing full coverage to state minimum liability only. The costs are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

Are you wasting money on full coverage?

There isn’t a steadfast formula for dropping comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Jeep Commander replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,000 after paying the physical damage deductible. If you are currently paying more than $700 annually to have full coverage, then it may be the right time to buy liability only.

There are some situations where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Cheap Jeep Commander insurance in Boston

Auto insurance is expensive, but companies offer discounts that could help you make your next renewal payment. Some discounts apply automatically at the time of purchase, but less common discounts must be manually applied before you will receive the discount.

• Smart Student Discounts – A discount for being a good student may save as much as 25% on a Boston car insurance quote. Most companies allow this discount well after school through age 25.
• Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and that can save you a little bit as well.
• Membership in Organizations – Having an affiliation with qualifying clubs or civic groups could qualify you for a break on your bill.
• Accident Waiver – This one is not really a discount per se, but a few companies such as State Farm and Allstate allow you one accident before your rates go up as long as you don’t have any claims prior to the accident.
• Discounts for Multiple Vehicles – Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts may be able to save a few bucks off PIP or medical payments premium.
• Homeowners Savings – Owning a home in Boston can get you a discount due to the fact that maintaining a home is proof that your finances are in order.
• Telematics Data Discounts – Boston drivers who agree to allow data collection to scrutinize where and when they drive by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they have good driving habits.
• Sign Online – A few auto insurance companies will give you a small discount for signing up on your computer.
• Discounts for New Vehicles – Adding a new car to your policy can cost up to 25% less because newer vehicles are generally safer.

Discounts save money, but please remember that most discounts do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think you can get free auto insurance, it doesn’t quite work that way. Any amount of discount should help reduce your auto insurance premiums.

The illustration below visualizes the comparison of Jeep Commander car insurance costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no violations or claims, Massachusetts 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 safe-driver, claim-free, multi-policy, multi-car, homeowner, and marriage discounts applied.

To locate companies who offer discounts in Massachusetts, follow this link.

Compare prices but work with a neighborhood Boston auto insurance agent

A lot of people prefer to get professional advice from a licensed agent. A nice benefit of comparing auto insurance online is the fact that drivers can get cheap auto insurance quotes and still have an agent to talk to.

Once you complete this simple form, the quote information is submitted to agents in your area that provide free Boston car insurance quotes for your insurance coverage. It makes it easy because there is no need to contact any insurance agencies since rate quotes are delivered directly to you. Get lower rates without the usual hassles of price shopping. If for some reason you want to quote rates for a specific company, you would need to visit that company’s website and fill out the quote form the provide.

Choosing the best company needs to be determined by more than just the premium amount. Get answers to these questions too.

• Will you get a loaner vehicle if you car is being repaired?
• Will your rates increase after a single accident?
• Do they offer claims assistance after hours?
• Do you work with a CSR or direct with the agent?
• Which companies do they recommend if they are an independent agency?

Multiple types of car insurance agents in Boston

When looking for a reliable agent, it can be helpful to understand the different agency structures from which to choose. Agencies in Boston may be either exclusive agents or independent agents.

Exclusive Agents

Exclusive insurance agents can usually just insure with one company such as AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide rate quotes from other companies so they have to upsell other benefits. They are highly trained on their company’s products and that enables them to sell even at higher rates.

Shown below are exclusive insurance agencies in Boston that can give you price quote information.

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Independent Auto Insurance Agents

Agents of this type can quote rates with many companies so they can quote policies with a variety of different insurance companies and potentially find a lower price. If you want to switch companies, they simply move the coverage in-house and you don’t have to do anything. If you need lower rates, you should always get several quotes from at least one independent agent to have the most options to choose from.

Below is a list of independent agents in Boston willing to provide rate quotes.

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Learn about insurance coverages for a Jeep Commander

Learning about specific coverages of insurance can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement. These are the usual coverages available from insurance companies.

Comprehensive or Other Than Collision – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, damage from getting keyed, a broken windshield, damage from a tornado or hurricane and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – Collision coverage covers damage to your Commander caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with a tree, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible on your Commander to save money on collision insurance.

Auto liability insurance – Liability coverage will cover damages or injuries you inflict on other people or property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 20/40/5 which means $20,000 bodily injury coverage, a per accident bodily injury limit of $40,000, and a limit of $5,000 paid for damaged property.

Liability can pay for claims such as medical expenses, attorney fees and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. Massachusetts state minimum liability requirements are 20/40/5 but you should consider buying higher limits.

The illustration below demonstrates why buying low liability limits may not be adequate coverage.

Medical costs insurance – Coverage for medical payments and/or PIP pay for bills for things like funeral costs, surgery and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Jeep Commander.

Due to the fact that many Massachusetts drivers have only the minimum liability required by law (20/40/5 in Massachusetts), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Quote often and quote early

When shopping online for auto insurance, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where an insured cut comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find at the best possible price and still be able to protect your assets.

Budget-friendly auto insurance in Boston is available from both online companies and also from your neighborhood Boston agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers may not offer online quoting and most of the time these small insurance companies work with independent agents.

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• Who Has Affordable Boston Car Insurance Quotes for a Nissan Altima? (FAQ)
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