Best Rates for Jeep Commander Insurance in Colorado Springs

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Insurance for Jeep CommanderThe best way we recommend to get more affordable Jeep Commander insurance in Colorado Springs is to compare quotes once a year from different companies who sell auto insurance in Colorado.

  • First, read about policy coverages and the things you can change to prevent expensive coverage. Many risk factors that result in higher prices like traffic violations, accidents, and a poor credit rating can be improved by being financially responsible and driving safely. Read the full article for additional tips to help keep prices low and find additional discounts you may qualify for.
  • Second, compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from multiple sources.
  • Third, compare the quotes to your existing policy and see if you can save money. If you find better rates, ensure there is no coverage lapse between policies.
  • Fourth, provide adequate notice to your current company to cancel your current policy. Submit a down payment along with a completed application to your new agent or company. As soon as you receive it, store the certificate of insurance with your vehicle's registration.

One thing to point out is to use similar coverage information on each quote request and and to get rates from all possible companies. This enables a fair price comparison and and a good selection of different prices.

Sadly, the vast majority of auto insurance customers kept their policy with the same company for a minimum of four years, and nearly half have never compared rates to find cheap insurance. Colorado Springs insurance shoppers could save up to 35% a year by just comparing quotes, but most tend to underestimate the amount of savings they would get if they switched to a cheaper policy.

Finding a better price on insurance is actually easier than you may think. Consumers just need to spend a little time to compare rate quotes to see which company has affordable Jeep Commander insurance quotes.

Doing online rate quotes comparisons is so easy that it makes it a waste of time to drive to and from local Colorado Springs insurance agencies. Shopping for insurance online has made agencies unnecessary unless you have a need for the guidance that only an agent can give. Some companies do allow you to compare the best prices online but buy the policy through an agent.

The providers in the list below can provide free quotes in Colorado Springs, CO. In order to find cheap auto insurance in Colorado, it's a good idea that you get prices from several of them to find the cheapest car insurance rates.

Facts and figures for Jeep Commander insurance

The rate table shown next showcases a range of coverage prices for Jeep Commander models. Having a good grasp of how insurance prices are figured can be of help when making informed decisions.

Jeep Commander Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $148 $244 $338 $20 $100 $850 $71
Commander Sport 4WD $148 $288 $338 $20 $100 $894 $75
Commander Limited 2WD $164 $288 $338 $20 $100 $910 $76
Commander Limited 4WD $164 $288 $338 $20 $100 $910 $76
Get Your Own Custom Quote Go

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in vehicle location which can affect premiums noticeably.

Analysis of deductible levels

A question often asked by Colorado Springs drivers is the level to set your comp and collision deductibles. The comparison tables below may aid in understanding the rate fluctuation when you select higher and lower policy deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Jeep Commander insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $342 $546 $352 $20 $106 $1,391 $116
Commander Sport 4WD $342 $644 $352 $20 $106 $1,489 $124
Commander Limited 2WD $380 $644 $352 $20 $106 $1,527 $127
Commander Limited 4WD $380 $644 $352 $20 $106 $1,527 $127
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Jeep Commander insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $250 $368 $352 $20 $106 $1,096 $91
Commander Sport 4WD $250 $434 $352 $20 $106 $1,162 $97
Commander Limited 2WD $278 $434 $352 $20 $106 $1,190 $99
Commander Limited 4WD $278 $434 $352 $20 $106 $1,190 $99
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rates do not factor in zip code location which can influence price quotes noticeably.

Based on this data, using a $100 deductible costs an average of $27 more each month or $324 for a full year than choosing the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have more than 15 months between claims, you would come out ahead by selecting a higher deductible. Below is an example of how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $124
Average monthly premium for $500 deductibles (subtract): - $97
Monthly savings from raising deductible: $27
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One important issue to know is that increasing deductibles to lower your rates results in having to pay to pay more out-of-pocket when you have a comprehensive or collision claim. You should have some funds available in the event you have to pay more to get your vehicle repaired.

Illustration showing the impact of accidents and violations

The illustration below illustrates how violations and accident claims can affect Jeep Commander insurance costs for different insured age categories. The prices are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Price comparison of only insuring for liability

The diagram below shows the comparison of Jeep Commander auto insurance rates with full coverage compared to only the Colorado minimum liability coverage. The premiums are based on no claims or driving citations, $500 deductibles, marital status is single, and no additional discounts are factored in.

Should you pay for full coverage?

There is no set guideline to stop paying for physical damage coverage on your policy, but there is a general convention. If the annual cost of coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let's pretend your Jeep Commander claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after paying your policy deductible. If you are currently paying more than $600 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are some situations where removing full coverage is not advised. If you still have a loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not opt for liability only.

Score discounts to get cheaper Colorado Springs auto insurance quotes

Auto insurance is expensive, but there may be some discounts to help bring down the price. A few discounts will automatically apply at the time of purchase, but a few must be specially asked for before they will apply. If you don't get every credit you deserve, you could be saving more on your auto insurance.Save money with discounts

  • Sign Online - A few insurance companies will discount your bill up to fifty bucks for signing up digitally online.
  • Clubs and Organizations - Being a member of qualifying clubs or civic groups may earn a discount when shopping for auto insurance.
  • Active Service Discounts - Being deployed in the military could qualify you for better premium rates.
  • Cautious Driver Discount - Safe drivers could pay up to 40% less compared to rates paid by drivers with frequent claims.
  • Good Grades Discount - Being a good student may save you up to 25%. Most companies allow this discount up until you turn 25.
  • Distant College Student Discount - Kids who are attending college and do not have a car could get you a discount.
  • Multi-line Discount - If the company offers life insurance, you could get a lower price if you buy some life insurance in addition to your auto policy.
  • Discount for Multiple Policies - When you combine your homeowners and auto insurance and insure them both with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.

Don't be surprised that many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like you could get a free auto insurance policy, it doesn't quite work that way.

The diagram below visualizes the comparison of Jeep Commander insurance prices with and without discounts applied to the policy rates. The premiums assume a male driver, no claims or violations, Colorado state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, safe-driver, multi-car, and multi-policy discounts applied.

A few of the larger companies and some of the discounts are outlined below.

  • State Farm offers discounts including anti-theft, driver's education, passive restraint, student away at school, accident-free, multiple policy, and Steer Clear safe driver discount.
  • Liberty Mutual offers premium reductions for teen driver discount, multi-car, new move discount, newly married, and safety features.
  • American Family discounts include good student, multi-vehicle, Steer into Savings, good driver, and TimeAway discount.
  • Progressive has discounts for multi-vehicle, homeowner, multi-policy, continuous coverage, online quote discount, good student, and online signing.
  • Farmers Insurance may offer discounts for multi-car, early shopping, switch companies, alternative fuel, distant student, homeowner, and mature driver.
  • Auto-Owners Insurance has savings for paid in full, teen driver, multiple vehicles, good student, anti-lock brakes, safe vehicle, and air bags.
  • SAFECO policyholders can earn discounts including safe driver, drive less, multi-car, anti-theft, accident prevention training, bundle discounts, and teen safety rewards.

When getting free Colorado Springs auto insurance quotes, it's a good idea to each company or agent how you can save money. Savings might not be offered on policies in your state. If you would like to see a list of insurers that can offer you the previously mentioned discounts in Colorado, click here.

Insurance in Colorado serves several purposes

Even though it's not necessarily cheap to insure a Jeep in Colorado Springs, paying for insurance is required in Colorado but it also protects you in many ways.

  • Just about all states have mandatory liability insurance requirements which means you are required to carry specific minimum amounts of liability protection in order to get the vehicle licensed. 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.
  • If you have a loan on your Commander, more than likely the lender will force you to have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank may insure your Jeep at a much higher premium rate and force you to pay the higher premium.
  • Insurance protects both your vehicle and your personal assets. It will also reimburse you for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you cause an accident and are sued. If damage is caused by hail or an accident, your insurance policy will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance are definitely more than the cost, specifically if you ever have a liability claim. As of last year, the average driver in Colorado is overpaying over $750 every year so it's important to compare rates at least once a year to make sure the price is not too high.

Independent versus exclusive insurance agencies

Some consumers prefer to go talk to an agent and doing so can bring peace of mind Insurance agents are trained risk managers and help file insurance claims. A good thing about comparing rates online is that you can find cheap rate quotes and still have a local agent. And buying from local insurance agents is important especially in Colorado Springs.

Insurance agency in Colorado SpringsFor easy comparison, once you complete this form (opens in new window), the coverage information is emailed to companies in Colorado Springs that can give you free Colorado Springs auto insurance quotes for your coverage. There is no need to find an agent because prices are sent instantly to you. If for some reason you want to quote rates for a specific company, you would need to visit that company's website and complete a quote there.

Choosing the best insurance company requires you to look at more than just the premium amount. Here are some questions you might want to ask.

  • Does the agency support the community they serve?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • How much will you save each year by using a higher deductible?
  • What is the financial rating for the quoted company?
  • If your car is totaled, how to they determine the replacement cost?
  • What is their Better Business Bureau rating?

If you receive good feedback to these questions and an affordable coverage quote, you've probably found an provider that is professional and can properly service your insurance policy. Just be aware that you can always cancel coverage when you choose so don't feel that you are obligated to any particular company for the full term.