Find Cheaper Jeep Commander Insurance in Buffalo

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Unimaginable but true, the vast majority of consumers renewed their policy with the same company for four years or more, and just short of a majority have never compared rates to find affordable insurance. U.S. drivers can cut their rates by 46.5% a year by just comparing quotes, but they don't know the large savings they would see if they replace their high priced policy.

Insurance quote for Jeep Commander in BuffaloIt takes a few minutes, but the best way to get more affordable auto insurance rates in Buffalo is to start doing a yearly price comparison from insurers who provide car insurance in New York. Price quotes can be compared by following these guidelines.

  • First, read about policy coverages and the measures you can control to prevent rate increases. Many things that drive up the price like high-risk driving behaviors and a low credit score can be remedied by paying attention to minor details. Read the full article for additional ideas to help reduce premium rates and find missing discounts.
  • Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like GEICO and State Farm, while agents who are independent can quote rates from multiple insurance companies.
  • Third, compare the price quotes to the premium of your current policy to see if a cheaper price is available. If you find a lower rate quote and buy the policy, make sure coverage is continuous and does not lapse.
  • Fourth, notify your agent or company of your decision to cancel your existing policy. Submit a signed application and payment to the newly selected company. Once the paperwork is finalized, place the new certificate verifying coverage in your glove compartment.

One key aspect when comparing rates is to compare the same coverage limits and deductibles on each price quote and and to look at every company you can. Doing this provides the most accurate price comparison and plenty of rates choose from.

Finding cheaper insurance rates is actually easier than you may think. Consumers just need to invest a little time to compare rates to discover which company has cheaper Buffalo auto insurance quotes.

The companies shown below provide quotes in New York. In order to find the cheapest car insurance in Buffalo, we suggest you click on several of them to get the best price comparison.

Jeep Commander coverage analysis

The data table shown next covers estimates of rate quotes for Jeep Commander models. Understanding how insurance quotes are figured can help customers make informed decisions when shopping around for a new policy.

Jeep Commander Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $170 $256 $272 $16 $82 $796 $66
Commander Sport 4WD $170 $302 $272 $16 $82 $842 $70
Commander Limited 2WD $190 $302 $272 $16 $82 $862 $72
Commander Limited 4WD $190 $302 $272 $16 $82 $862 $72
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can influence insurance rates greatly.

How high should deductibles be?

One of the more difficult decisions when buying insurance is where should you set your physical damage deductibles. The rates shown below may aid in understanding the difference in cost of buying low and high physical damage deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Jeep Commander insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $230 $344 $264 $16 $80 $959 $80
Commander Sport 4WD $230 $406 $264 $16 $80 $1,021 $85
Commander Limited 2WD $258 $406 $264 $16 $80 $1,049 $87
Commander Limited 4WD $258 $406 $264 $16 $80 $1,049 $87
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Jeep Commander insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $142 $216 $264 $16 $80 $718 $60
Commander Sport 4WD $142 $256 $264 $16 $80 $758 $63
Commander Limited 2WD $158 $256 $264 $16 $80 $774 $65
Commander Limited 4WD $158 $256 $264 $16 $80 $774 $65
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rates do not factor in vehicle garaging location which can affect insurance rates substantially.

Based on this data, using a $250 deductible would cost the average driver about $22 more each month or $264 annually than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 34 months between claim filings, you would probably be better off going with the higher deductible. The table below illustrates an example of how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $85
Average monthly premium for $1,000 deductibles (subtract): - $63
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 34 months

One important issue to know is that raising deductibles means you pay more out-of-pocket when you do file a claim. You should have some extra savings in the event you have to pay the deductible for vehicle repair.

The chart below illustrates how your deductible choice and can increase or decrease Jeep Commander insurance costs for each different age group. Data assumes a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Cost of full coverage in Buffalo

The chart below illustrates the difference between Jeep Commander insurance premiums when comparing full coverage to state minimum liability only. The information is based on no accidents or driving violations, $250 deductibles, marital status is single, and no discounts are factored in.

When to drop comprehensive and collision

There is no written rule of when to phase out physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let's assume your Jeep Commander replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after you pay the deductible. If you are currently paying more than $300 a year for full coverage, then you might want to consider buying only liability coverage.

There are a few cases where buying only liability insurance is not financially feasible. If you haven't paid off your loan, you have to keep full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should maintain full coverage.

Smart Consumers Can Lower Insurance Rates

When buying insurance it's important to understand the rating factors that play a part in calculating your policy premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that could help you find lower rates.

The list below includes some of the items used by your company to calculate your rate level.

Insurance rates and driver gender - The statistics show that women are safer drivers than men. The data does not necessarily mean that men are worse drivers. They both tend to get into fender benders at a similar rate, but guys cause more damage and cost insurance companies more money. Men also tend to receive more costly citations like DUI and reckless driving.

The diagram below shows the difference between Jeep Commander auto insurance costs for male and female drivers. The price estimates are based on no claims or violations, comp and collision included, $500 deductibles, marital status is single, and no policy discounts are applied.

More performance means higher prices - The performance of the car you are trying to find cheaper insurance for makes a significant difference in your auto insurance rates. The lowest performance passenger vehicles generally have the cheapest insurance rates, but your final cost has many other factors.

The data below uses these variables: married female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It compares Jeep Commander policy rates compared to other makes and models that have different performance rating factors.

Do you really need the extra policy coverages? - Policies have extra coverages that can waste your money on your Commander policy. Things like coverage for rental cars, high-cost glass coverage, and term life insurance are probably not needed. The coverages may be enticing at first, but if you don't need them think about removing them and cutting costs.

Do you qualify for a multi-policy discount? - The majority of insurance companies apply a discount to policyholders who buy several policies from them such as combining an auto and homeowners policy. Even with this discount applied, you still need to shop around to confirm you are receiving the best rates possible.

Choosing Jeep vehicle insurance is an important decision

Despite the fact that insurance is not cheap in Buffalo, insurance may be required for several reasons.

  • Almost all states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability protection in order to get the vehicle licensed. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you have a lien on your Jeep Commander, it's guaranteed your bank will require you to buy 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 make you pay the higher price.
  • Insurance preserves both your car and your personal assets. It also can pay for many types of medical costs incurred in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit in the event you are sued. If you have damage to your Jeep as the result of the weather or an accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of buying insurance definitely exceed the price paid, especially for larger claims. But the average driver in New York is overpaying more than $750 every year so smart consumers compare quotes at least once a year to save money.