Best Jeep Commander Insurance in Louisville

A recent insurance study revealed that a large majority of drivers kept buying from the same company for at least four years, and just short of a majority have never even compared rates from other companies. Many consumers in Louisville could save an average of approximately 30% each year just by getting comparison quotes, but they underestimate how much savings they would realize if they changed companies.

Insurance for Jeep CommanderTo save the most money, the best way to find affordable quotes for auto insurance rates is to make a habit of regularly comparing prices from providers who provide car insurance in Louisville. This can be done by following these guidelines.

  1. Take a little time to learn about the coverage provided by your policy and the things you can control to keep rates down. Many policy risk factors that cause high rates like traffic violations, accidents, and a less-than-favorable credit rating can be amended by being financially responsible and driving safely. Keep reading for instructions to prevent rate hikes and earn a bigger discount.
  2. Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can quote prices from multiple sources. View a list of agents
  3. Compare the new rate quotes to your existing policy to see if cheaper Commander coverage is available. If you can save some money and make a switch, make sure there is no lapse in coverage.

A key point to remember is to compare the same level of coverage on each price quote and and to get rate quotes from as many car insurance companies as possible. This helps ensure an accurate price comparison and and a good selection of different prices.

Comparing rates for the most affordable insurance in Louisville is simple if you know the tricks. In essence, every driver who wants cheaper insurance will more than likely be able to find lower rates. Although Kentucky car owners must comprehend how the larger insurance companies determine how much to charge because rates fluctuate considerably.

Companies offering low-cost Jeep Commander prices in Louisville, KY

The companies shown below are ready to provide free rate quotes in Kentucky. In order to find the best auto insurance in Louisville, we recommend you get prices from several of them to get the most affordable price.

Rates and data analysis

The coverage information below covers estimates of insurance coverage prices for Jeep Commander models. Learning more about how prices are figured can be of help when making smart choices when buying a policy.

Jeep Commander Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $138 $228 $314 $18 $94 $792 $66
Commander Sport 4WD $138 $268 $314 $18 $94 $832 $69
Commander Limited 2WD $152 $268 $314 $18 $94 $846 $71
Commander Limited 4WD $152 $268 $314 $18 $94 $846 $71
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price estimates do not factor in specific zip code location which can impact rates substantially.

Higher deductibles lower rates

One frequently asked question is how high should the deductibles for physical damage be. The comparisons below outline the cost difference between high and low insurance deductibles. The first table uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.

Jeep Commander insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $318 $508 $326 $20 $98 $1,295 $108
Commander Sport 4WD $318 $598 $326 $20 $98 $1,385 $115
Commander Limited 2WD $354 $598 $326 $20 $98 $1,421 $118
Commander Limited 4WD $354 $598 $326 $20 $98 $1,421 $118
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Jeep Commander insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $232 $342 $326 $20 $98 $1,018 $85
Commander Sport 4WD $232 $404 $326 $20 $98 $1,080 $90
Commander Limited 2WD $258 $404 $326 $20 $98 $1,106 $92
Commander Limited 4WD $258 $404 $326 $20 $98 $1,106 $92
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price information does not factor in specific Louisville garaging location which can revise insurance rates considerably.

We can estimate from the data above that using a $100 deductible costs approximately $25 more each month or $300 a year averaged for all Commander models than choosing the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 16 months between claim filings, you would probably save some money going with the higher deductible.

Irresponsible driving raises your rates

The example below shows how traffic citations and accident claims raise Jeep Commander insurance prices for each different age category. The rate quotes are based on a married female driver, full coverage, $500 deductibles, and no other discounts are factored in.

Get discounts on Louisville insurance

Companies that sell car insurance don’t always publicize every possible discount in a way that’s easy to find, so the following list contains a few of the more common and the harder-to-find credits that may apply to you.Cheaper insurance with discounts

As a footnote on discounts, many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will lower the premium cost.

The chart below shows the comparison of Jeep Commander premium costs with and without discounts being applied to the rates. The premiums assume a male driver, no claims or driving citations, Kentucky state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, safe-driver, claim-free, and multi-car discounts applied.

If you would like to see a list of insurance companies that have a full spectrum of discounts in Louisville, click this link.

Compare prices but buy from a local Louisville insurance agent

Some consumers would rather go talk to an agent and often times that is recommended One of the best bonuses of getting online price quotes is you can get cheap auto insurance quotes but still work with a licensed agent. Buying insurance from neighborhood insurance agencies is still important in Louisville.

Louisville insurance agentsTo find an agent, once you fill out this form (opens in new window), the coverage information is submitted to local insurance agents in Louisville that provide free Louisville auto insurance quotes for your insurance coverage. You don’t have to contact any agents because quoted prices will be sent immediately to you. Get lower rates and a licensed agent to talk to. If you wish to compare prices for a specific company, you can always find their quoting web page and complete a quote there.

What type of Louisville auto insurance agent is right for you?

If you want to buy auto insurance from local Louisville agents, it helps to know the two different types of agents and how they differ in how they quote coverages. Auto insurance agents in Louisville can be classified as either independent or exclusive depending on the company they work for.

Independent Agents

Independent agents are not required to write business for one company so they have the ability to put coverage with any number of different companies and find the cheapest auto insurance rates. If you want to switch companies, they simply switch companies in-house and you don’t have to do anything.

When comparing rates, you absolutely need to compare quotes from at least one independent agent to maximize your price options. They also have the ability to place coverage with small regional insurance companies that may have much lower rates than larger companies.

Listed below are independent insurance agents in Louisville who may provide free auto insurance rate quotes.

More insurance agents

Exclusive Auto Insurance Agencies

Agents that choose to be exclusive write business for a single company like Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agencies receive a lot of sales training on what they offer which helps them compete with independent agents. Some consumers prefer to choose to use an exclusive agent primarily because of the prominence of the brand rather than low rates.

Shown below are exclusive agencies in Louisville that are able to give price quote information.

More insurance agents

Selecting an car insurance agent should depend on more than just a cheap price quote. The answers to these questions are important, too.

Which car insurance company is best in Louisville?

Selecting the right company can be a challenge considering how many companies are available to choose from in Louisville. The ranking information below can help you select which auto insurance companies you want to consider comparing price quotes from.

Best Car Insurance Companies in Kentucky
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Erie Insurance 87 84 85 85% A+ 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Auto insurance coverage breakdown

Knowing the specifics of your policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits (Kentucky limits are 25/50/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these limits are set the same as your liability limits.

Collision coverage protection

Collision coverage will pay to fix damage to your Commander resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like rolling your car, hitting a mailbox, damaging your car on a curb, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible on your Commander to bring the cost down.

Liability car insurance

Liability insurance can cover injuries or damage you cause to other’s property or people. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/10 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $10,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as medical services, attorney fees, funeral expenses, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is up to you, but buy as large an amount as possible. Kentucky requires minimum liability limits of 25/50/10 but you should consider buying better liability coverage.

The chart below shows why buying minimum limits may not be high enough to adequately cover claims.

Comprehensive auto coverage

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, theft, damage from getting keyed and falling objects. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for nursing services, hospital visits, dental work, rehabilitation expenses and surgery. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Shop around and save

We’ve covered some good ideas how to save on Jeep Commander insurance in Louisville. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the best price on insurance is with a small mutual company.

When buying insurance coverage, you should never buy poor coverage just to save money. There are many occasions where someone sacrificed collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.

Drivers leave their current company for many reasons like an unsatisfactory settlement offer, extreme rates for teen drivers, being labeled a high risk driver and unfair underwriting practices. It doesn’t matter what your reason, finding the right insurance provider can be easy and end up saving you some money.

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