Jeep Commander Insurance Rates in Cleveland

Unbelievably, over 70% of consumers have purchased from the same company for four years or more, and roughly 40% of drivers have never compared rates from other carriers. With the average premium in America being $1,847, drivers can cut their rates by $859 a year just by getting comparison quotes, but they mistakenly think it’s difficult to go online and compare rates.

If you want to save the most money, the best way to get low-cost Jeep Commander insurance in Cleveland is to make a habit of regularly comparing prices from companies in Ohio.

Step 1: Try to understand coverages and the modifications you can make to keep rates low. Many risk factors that are responsible for high rates such as traffic violations and an unacceptable credit score can be rectified by making lifestyle changes or driving safer. Keep reading for information to help keep rates affordable and find overlooked discounts.

Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agents can provide prices for a wide range of insurance providers. View companies

Step 3: Compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you can save money, make sure coverage is continuous and does not lapse.

Step 4: Give proper notification to your current agent or company to cancel your current auto insurance policy. Submit the required down payment along with the signed application for your new policy. Be sure to place your new certificate of insurance above your visor, in the console, or in the glove compartment.

The key thing to know about shopping around is to make sure you’re comparing the same physical damage deductibles and liability limits on each quote request and and to get price estimates from as many companies as you can. This guarantees an apples-to-apples comparison and a complete rate analysis.

If you have a current insurance policy or just want cheaper rates, you can use these techniques to find better prices and still get good coverage. These tips will familiarize you with the best way to quote coverages. Comparison shoppers only have to learn the proper methods to compare different rates from many different companies online.

The most recommended method to compare car insurance rates for Jeep Commander insurance in Cleveland is to know the fact most larger insurance companies provide online access to provide you with a free rate quote. The only thing you need to do is provide a small amount of information such as deductibles desired, your credit rating estimate, driver details, and how much education you have. Your insurance information is instantly sent to all major companies and you will receive price estimates immediately.

To compare affordable Jeep Commander insurance rates now, click here and complete the form.

The companies shown below are our best choices to provide comparison quotes in Cleveland, OH. In order to find cheaper auto insurance in Cleveland, it’s highly recommended you visit several of them to get the lowest price.

Insurance does more than just protect your car

Despite the high cost of buying insurance for a Jeep Commander in Cleveland, insurance is required by state law in Ohio and it also provides benefits you may not be aware of.

• Most states have compulsory liability insurance requirements which means the state requires a specific level of liability coverage if you want to drive 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 have a loan on your Jeep Commander, it’s most likely the lender will make it mandatory that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Jeep at a more expensive rate and require you to fork over the higher premium.
• Insurance protects not only your Jeep but also your financial assets. It will also cover many types of medical costs for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of having insurance are definitely more than the cost, particularly when you have a large claim. But the average American driver overpays as much as $700 annually so shop around at every renewal to make sure the price is not too high.

Analysis of Jeep Commander rates

The rate table shown next highlights detailed analysis of coverage prices for Jeep Commander models. Having knowledge of how insurance policy rates are figured can be useful when making smart choices when buying a policy.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Estimates do not factor in your specific Cleveland location which can increase or decrease price quotes significantly.

Physical damage deductible comparison

When shopping for car insurance, a common question is where should you set your physical damage deductibles. The following tables can help show how much more you’ll pay between low and high deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Information does not factor in specific location information which can influence auto insurance rates noticeably.

Based on this data, using a $250 deductible costs an average of $19 more each month or $228 a year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 39 months between claim filings, you would probably come out ahead if you choose a higher deductible.

One big caveat is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket when you have a physical damage claim. You need to have some non-essential savings in order to pay the higher deductible in order to repair your vehicle.

Do you qualify for discounts?

Properly insuring your vehicles can get expensive, but you can get discounts that could help you make your next renewal payment. Certain discounts will be applied at the time of quoting, but less common discounts must be asked for before you will receive the discount.

• No Accidents – Drivers with accident-free driving histories can save substantially as compared to drivers with a long claim history.
• Federal Employees – Federal government employees could qualify for a slight premium decrease with some car insurance companies.
• Mature Driver Discount – If you qualify as a senior citizen, you can possibly qualify for a small discount on rates.
• Distant Student – Any of your kids who attend college more than 100 miles from Cleveland without a vehicle on campus can be insured at a reduced rate.
• Discount for Life Insurance – Larger insurance companies have better car insurance rates if you take out a life policy as well.
• Discounts for Multiple Vehicles – Insuring multiple cars or trucks on a single policy could earn a price break for each car.
• Early Switch Discount – Select car insurance companies give a discount for renewing your policy before your current Commander insurance policy expires. This discount can save up to 10%.
• New Vehicle Savings – Adding a new car to your policy is cheaper because new model year vehicles keep occupants safer.
• First Accident Forgiveness – This one isn’t a discount, but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident without raising rates if you have no claims prior to the accident.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will cut your policy premium.

The illustration below visualizes the comparison of Jeep Commander insurance premiums with and without discounts applied to the policy rates. The data assumes a male driver, no violations or claims, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, marriage, claim-free, and safe-driver discounts applied.

Companies and a partial list of their discounts are outlined below.

• State Farm includes discounts for good driver, student away at school, multiple policy, good student, multiple autos, Steer Clear safe driver discount, and accident-free.
• GEICO may have discounts that include membership and employees, anti-lock brakes, emergency military deployment, good student, and seat belt use.
• Liberty Mutual may offer discounts for newly retired, teen driver discount, preferred payment discount, new vehicle discount, exclusive group savings, good student, and multi-car.
• The Hartford has savings for defensive driver, vehicle fuel type, anti-theft, bundle, good student, and driver training.
• MetLife offers premium reductions for defensive driver, accident-free, good student, claim-free, multi-policy, good driver
• Progressive policyholders can earn discounts including continuous coverage, online quote discount, homeowner, good student, multi-vehicle, and multi-policy.

Double check with all the companies to give you their best rates. Some of the discounts discussed earlier might not be available to policyholders in every state. To locate car insurance companies that offer multiple discounts in Cleveland, click this link.

Shop online but buy locally

Many drivers would rather talk to a local agent and that is a personal choice. Licensed agents can help determine the best coverages and help submit paperwork. One of the great benefits of comparing car insurance online is the fact that drivers can get cheap rate quotes but also keep your business local.

For easy comparison, once you complete this quick form, your information is emailed to local insurance agents that can provide free Cleveland auto insurance quotes and help you find cheaper coverage. It’s much easier because you don’t need to leave your computer because quoted prices will be sent to the email address you provide. If you have a need to get a comparison quote for a specific company, don’t hesitate to jump over to their website and submit a quote form there.

Selecting an provider is decision based upon more than just a cheap price. These are some valid questions you should ask.

• Are they in the agency full-time?
• Where would glass claims be handled in Cleveland?
• How does the company pay claims for a total loss?
• Do they offer claims assistance after hours?
• Will they make sure you get an adequate claim settlement?
• If you raise deductibles, how much can you save?

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

If you’re trying to find a local agent, you should know the different agency structures from which to choose. Car insurance agents in Cleveland can be described as either independent or exclusive depending on the company they work for. Both types can write car insurance policies, but it’s worth learning the difference in the companies they write for because it can impact buying decisions.

Exclusive Insurance Agencies

Exclusive agencies can only place business with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. They usually cannot give you multiple price quotes so you might not find the best rates. Exclusive insurance agents are highly trained on their products and sales techniques which helps overcome the inability to quote other rates. Consumers sometimes use the same exclusive agent partially due to the brand name and strong financial ratings.

Shown below is a short list of exclusive agents in Cleveland who may provide you with comparison quotes.

• Allstate Insurance: Eslick Insurance and Financial Services
  2775 S Moreland Blvd Ste 203 – Cleveland, OH 44120 – (216) 283-5570 – View Map
• Robert Jones – State Farm Insurance Agent
  12405 Larchmere Blvd – Cleveland, OH 44120 – (216) 229-3276 – View Map
• Allstate Insurance: Michael Wrobel
  17016 Lorain Ave – Cleveland, OH 44111 – (216) 812-5413 – View Map

More insurance agents

Independent Insurance Agents

Independent agents do not have single company limitations and that enables them to quote your coverage with multiple insurance companies and find the cheapest rate. If you want to switch companies, your agent can switch companies and you can keep the same agent. When searching for an agent, it’s recommended you get insurance quotes from a couple of independent agencies to have the most options to choose from. Most independent agents also contract with lesser-known insurance companies which could offer lower prices.

The following are Cleveland independent agencies that can give you price quotes.

• Zito Insurance Inc
  1249 Smith Ct – Cleveland, OH 44116 – (440) 333-6020 – View Map
• Washington and Co Insurance Agcy
  2565 Noble Rd – Cleveland, OH 44121 – (216) 691-9227 – View Map
• Evarts Tremaine
  1111 Superior Ave #420 – Cleveland, OH 44113 – (216) 621-7183 – View Map

More insurance agents

Best car insurance company in Cleveland

Ending up with the top car insurance company is hard considering how many companies there are to choose from in Cleveland. The company ratings listed below could help you select which coverage providers to look at shopping your coverage with.

Top 10 Cleveland Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Top 10 Cleveland Car Insurance Companies Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. GEICO
8. Safeco Insurance
9. Mercury Insurance
10. Esurance

Don’t give up on cheaper rates

Lower-priced auto insurance in Cleveland can be bought on the web and from local agencies, and you should compare rates from both to get a complete price analysis. A few companies don’t offer online price quotes and most of the time these smaller providers only sell through local independent agents.

As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where an insured dropped liability coverage limits and discovered at claim time that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at the best cost, but don’t skip important coverages to save money.

Consumers who switch companies do it for many reasons like policy non-renewal, an unsatisfactory settlement offer, denial of a claim and high rates after DUI convictions. No matter why you want to switch, choosing a new insurance company can be pretty painless.

To learn more, feel free to visit these articles:

• How to shop for a safer car (Insurance Institute for Highway Safety)
• Who Has Cheap Cleveland Car Insurance for a Toyota Tacoma? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Seniors in Cleveland? (FAQ)
• What Auto Insurance is Cheapest for Young Drivers in Cleveland? (FAQ)
• Who Has the Cheapest Auto Insurance for a Honda CR-V in Cleveland? (FAQ)
• Who Has Cheap Car Insurance Rates for 17 Year Olds in Cleveland? (FAQ)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• Protect Yourself Against Auto Theft (Insurance Information Institute)