Price shopping your Jeep Commander insurance in Denver could be quite difficult for drivers not familiar with comparing rates online. People have so many choices that it can be a real challenge to compare prices on Jeep Commander insurance.
Remarkably, a study showed that nearly 70% of customers have bought auto insurance from the same company for at least the last four years, and approximately 40% of consumers have never quoted auto insurance rates at all. Denver drivers could save 35% each year just by shopping around, but they don’t want to take the time to compare rate quotes online.
Consumers should take time to do rate comparisons on a regular basis due to the fact that insurance rates are variable and change quite frequently. Just because you had the lowest rate on Jeep Commander insurance in Denver on your last policy other companies may now be cheaper. Ignore everything you know about auto insurance because it’s time to teach you the fastest way to find lower rates on auto insurance.
When shopping for inexpensive Denver auto insurance quotes, there are a couple of ways to get quotes from all the different companies. The easiest way by far to lower the rate you pay for Jeep Commander insurance involves getting comparison quotes online. It’s important to know that getting more free quotes helps improve the odds of finding better pricing. Some companies don’t provide price estimates online, so it’s important to compare rates from the smaller companies as well.
The following companies offer price comparisons in Denver, CO. If multiple providers are shown, we suggest you get prices from several of them to find the lowest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Commander Sport 2WD||$190||$288||$352||$20||$106||$956||$80|
|Commander Sport 4WD||$146||$282||$330||$20||$98||$876||$73|
|Commander Limited 2WD||$278||$434||$352||$20||$106||$1,190||$99|
|Commander Limited 4WD||$334||$620||$426||$26||$128||$1,534||$128|
|Get Your Own Custom Quote Go|
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in your specific Denver location which can change coverage prices greatly.
How accidents and violations affect rates in Denver
The chart below demonstrates how traffic citations and accidents impact Jeep Commander insurance premiums for each age group. The premium estimates are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
Three reasons insurance is important
Despite the high insurance cost for a Jeep Commander in Denver, maintaining insurance serves several important purposes.
First, the majority of states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability insurance in order to drive the car. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if you have a lien on your vehicle, most banks will require that you have insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank may insure your Jeep at a more expensive rate and force you to pay a much higher amount than you were paying before.
Third, insurance safeguards not only your Jeep but also your financial assets. It will also provide coverage for many types of medical costs for yourself as well as anyone injured by you. Liability insurance will also pay for a defense attorney if you cause an accident and are sued. If you have damage to your Jeep as the result of the weather or an accident, your policy will pay all costs to repair after the deductible has been paid.
The benefits of buying insurance more than offset the price you pay, especially for larger claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $700 annually so you should quote your policy with other companies once a year at a minimum to make sure the price is not too high.
Why Your Insurance Prices might be higher
Lots of things are considered when pricing auto insurance. A few of the factors are predictable such as traffic violations, but some are more obscure such as your credit history and annual miles driven. It’s important that you understand the different types of things that play a part in calculating the rates you pay for car insurance. If you have a feel for what determines premiums, this allows you to make good choices that can earn you much lower annual insurance costs.
Shown below are most of the major factors car insurance companies consider when setting your premiums.
Cheaper rates after marriage – Having a significant other may earn you lower rates on your car insurance policy. Having a significant other may mean you are more mature and responsible and insurance companies like that drivers who are married are more cautious.
Fewer miles means better premiums – The more you drive your Jeep every year the more you will pay for car insurance. Almost all companies rate vehicles based on their usage. Vehicles that are left in the garage get more affordable rates compared to those used for work or business. It’s always a good idea to double check that your vehicle rating properly reflects the correct usage for each vehicle, because improper ratings can cost you money. An incorrectly rated Commander is just wasting money.
How much liability – Liability insurance provides coverage in the event that a jury decides you are liable for an accident. This coverage provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to other policy coverages, so drivers should carry high limits.
High credit scores save money – Credit rating is likely to be a major factor in determining premium rates. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with lower credit ratings. If your credit rating is not that good, you could pay less to insure your Jeep Commander by improving your credit score.
Low stress occupation equals lower rates – Did you know your job can affect your rates? Occupations like military generals, police officers, and dentists generally pay the highest rates attributed to high stress and lengthy work days. Conversely, jobs such as professors, engineers and retirees have the lowest average rates.
The type of vehicle makes a difference – The make and model of the vehicle you need insurance for makes a significant difference in determining your rates. Since the Jeep Commander is considered a standard SUV, insurance will be slightly more compared to average rates in Denver. Small economy passenger models usually are quite affordable to insure, but other factors influence the final cost greatly.
Your location is important – Being located in a rural area can be a good thing when it comes to car insurance. Fewer drivers on the road means a lower chance of having an accident and a lower car theft rate. Urban drivers regularly have traffic congestion and longer commutes to work. Longer commute distances statistically corresponds to a higher accident and claim rate.
Battle of the sexes – Over the last 30 years, statistics show that women are safer drivers than men. This data doesn’t prove that males are worse at driving than females. Both genders cause accidents in similar numbers, but males cause more damage. Men also statistically get higher numbers of serious violations such as DWI and reckless driving.
You may qualify for discounts for Jeep Commander insurance in Denver
Car insurance is expensive, but you can get discounts that may help make it more affordable. Some discounts apply automatically at the time of purchase, but some must be manually applied before you get the savings.
- Early Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.
- Good Grades Discount – This discount may save as much as 25% on a Denver auto insurance quote. Most companies allow this discount until age 25.
- Telematics Discount – Denver drivers who agree to allow their company to scrutinize driving manner by using a small device installed in their vehicle like Allstate’s Drivewise may see discounts if they are good drivers.
- No Claim Discounts – Drivers with accident-free driving histories have much lower rates as compared to drivers who are more careless.
- ABS Brakes – Cars and trucks equipped with ABS or steering control prevent accidents so companies give up to a 10% discount.
- Professional Memberships – Being in a professional or civic organization could earn you a nice discount on your bill.
Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. If you do the math and it seems like you can get free auto insurance, you’re out of luck.
Companies and a selection of discounts are outlined below.
- State Farm includes discounts for good student, defensive driving training, multiple autos, Steer Clear safe driver discount, and Drive Safe & Save.
- GEICO has savings for emergency military deployment, good student, daytime running lights, membership and employees, anti-theft, and defensive driver.
- SAFECO offers premium reductions for teen safety rewards, bundle discounts, accident prevention training, safe driver, drive less, multi-car, and teen safe driver.
- Farmers Insurance offers discounts including good student, mature driver, switch companies, teen driver, pay in full, and alternative fuel.
- AAA policyholders can earn discounts including AAA membership discount, multi-car, multi-policy, good student, pay-in-full, anti-theft, and education and occupation.
- USAA offers discounts for driver training, safe driver, annual mileage, defensive driver, vehicle storage, and good student.
Before buying, ask each insurance company which discounts you qualify for. Some discounts might not be offered on policies in your area. To see a list of insurance companies with significant discounts in Denver, click this link.
Insurance agents near you
Some people still like to get advice from a local agent and doing so can bring peace of mind A nice benefit of price shopping on the web is that drivers can save money and get cheaper car insurance rates and still choose a local agent.
To make it easy to find an agent, after completing this quick form, your information gets sent to agents in your area that provide free Denver auto insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to search for an agent because prices are sent to you instantly. You can find better rates without a big time investment. If you have a need to compare prices from a specific company, you would need to visit that company’s website to submit a rate quote request.
Choosing an insurer requires you to look at more than just the price. Any agent in Denver should have no problem answering these questions:
- If independent agents, which companies do they recommend?
- If you raise deductibles, how much can you save?
- Do they have any clout with companies to ensure a fair claim settlement?
- What discounts might you be missing?
- Does the agent have a valid license to sell insurance in Colorado?
- What kind of financial rating does the company have?
- Do they write coverage based solely on cost?
If you want to use a local agent, it can be helpful to understand the different types of agencies and how they differ in how they quote coverages. Insurance agencies are categorized either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agencies
Agents that elect to be exclusive can only provide pricing for a single company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot give you multiple price quotes so keep that in mind. Exclusive agencies are usually well trained in insurance sales and that enables them to sell even at higher rates. A lot of people purchase coverage from exclusives mostly because of high brand loyalty rather than having low rates.
Below are Denver exclusive agencies that can give you comparison quotes.
- American Family Insurance – Abbie Davis Tanner Agency Inc
2855 Speer Blvd Suite D – Denver, CO 80211 – (303) 333-0205 – View Map
- Farmers Insurance – Mike Schmisek
1100 S Shoshone St – Denver, CO 80223 – (303) 922-1001 – View Map
- American Family Insurance – Matthew Ditzenberger
1485 S Colorado Blvd #300c – Denver, CO 80222 – (303) 756-8038 – View Map
Independent Agencies or Brokers
Independent agents often have many company appointments and that is an advantage because they can write policies with any number of different companies and potentially find a lower price. To move your coverage to a new company, your policy is moved internally which requires no work on your part. When comparing insurance prices, you absolutely need to get insurance quotes from at least one independent agent to have the best price comparison. They often place coverage with additional companies that you may not be familiar with that may have much lower rates than larger companies.
The following are independent agencies in Denver that are able to give price quotes.
- Madison Insurance Group
600 S Cherry St #900 – Denver, CO 80246 – (800) 636-6185 – View Map
- Westwood Insurance
57 W Alameda Ave – Denver, CO 80223 – (303) 722-2841 – View Map
- Affordable American Insurance-Lloyd Nguyen Agency
1834 S Sheridan Blvd – Denver, CO 80232 – (303) 936-7233 – View Map
Affordable insurance prices are available
People change insurance companies for any number of reasons including high prices, not issuing a premium refund, denial of a claim or unfair underwriting practices. No matter why you want to switch, finding the right insurance provider is easier than you think.
As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where an insured cut liability coverage limits and found out when filing a claim they didn’t have enough coverage. Your goal is to get the best coverage possible at the lowest possible cost.
We just presented a lot of ways to get a better price on Jeep Commander insurance in Denver. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Drivers may even discover the lowest rates come from a lesser-known regional company.
To learn more, take a look at the articles below:
- Young Drivers: The High Risk Years Video (iihs.org)
- Who Has Cheap Car Insurance for a Toyota Corolla in Denver? (FAQ)
- How Much are Auto Insurance Quotes for Good Students in Denver? (FAQ)
- Who Has Affordable Auto Insurance Rates for First-time Drivers in Denver? (FAQ)
- How Much is Denver Auto Insurance for Government Employees? (FAQ)
- Vehicle Insurance (Wikipedia)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Choosing a Car for Your Teen (State Farm)