How many years has it been since you compared lower-priced insurance rates in Philadelphia, PA? Philadelphia shoppers have options when shopping for affordable Jeep Commander insurance. They can either spend hours struggling with agents to get rate comparisons or leverage the internet to find the lowest rates.
There are more efficient ways to buy insurance and we’ll show you the best way to quote coverages for your Jeep and get the lowest price from both online companies and Philadelphia agents.
It’s easy to assume that auto insurance companies don’t want you to look for a cheaper policy. Drivers who shop around for the cheapest price are very likely to move their business because there is a high probability of finding more affordable rates. A recent study showed that people who regularly compared price quotes saved as much as $865 annually compared to drivers who never compared rates.
If finding budget-friendly car insurance in Philadelphia is your ultimate target, then having a grasp of how to get rate quotes and compare insurance rates can save time and money.
It’s a good idea to compare prices occasionally because insurance prices are rarely the same from one policy term to another. Just because you found the best rates on Jeep Commander insurance in Philadelphia two years ago you will most likely find a better rate quote today. There is a lot of wrong information about Commander insurance online but by reading this article, you’re going to learn some great ways to slash your insurance rates in Philadelphia.
If you already have coverage or just want a better rate, you can follow these tips to get lower rates without sacrificing coverage. This article’s intent is to teach you how car insurance quotes work and some tips to save money. Vehicle owners just need to use the proper way to get comparison quotes from many companies at once.
Ways to get Jeep Commander insurance quotes in Philadelphia, PA
The auto insurance companies shown below are ready to provide price quotes in Pennsylvania. If more than one company is shown, it’s highly recommended you get price quotes from several of them in order to get a fair rate comparison.
Choosing the best Commander insurance in Pennsylvania is an important decision
Despite the potentially high cost of Jeep Commander insurance, maintaining insurance serves a purpose in several ways.
- The majority of states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability protection if you want to drive legally. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your Jeep Commander, more than likely the lender will make it a condition of the loan that you have insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Jeep for a lot more money and require you to fork over the higher price.
- Insurance protects not only your Jeep Commander but also your assets. It will also reimburse you for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if anyone sues you for causing an accident. If your Jeep gets damaged, your auto insurance policy will cover the damage repairs after a deductible is paid.
The benefits of insuring your car more than offset the price you pay, especially when you need to use it. An average driver in America overpays as much as $855 a year so you should quote and compare rates at every policy renewal to save money.
Statistics and details
The rate table shown below outlines a range of insurance policy prices for Jeep Commander models. Learning a little about how rate quotes are determined is important for you to make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $306 | $578 | $428 | $26 | $128 | $1,466 | $122 |
| Commander Sport 4WD | $306 | $682 | $428 | $26 | $128 | $1,570 | $131 |
| Commander Limited 2WD | $342 | $682 | $428 | $26 | $128 | $1,606 | $134 |
| Commander Limited 4WD | $342 | $682 | $428 | $26 | $128 | $1,606 | $134 |
| Get Your Own Customized Quote Go | |||||||
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price information does not factor in specific zip code location which can change auto insurance rates noticeably.
Physical damage deductibles: Should you raise them?
The hardest decision when buying coverage is how high should your deductibles be. The rates below outline the costs and benefits when you choose different coverage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $320 | $512 | $330 | $20 | $98 | $1,305 | $109 |
| Commander Sport 4WD | $320 | $602 | $330 | $20 | $98 | $1,395 | $116 |
| Commander Limited 2WD | $356 | $602 | $330 | $20 | $98 | $1,431 | $119 |
| Commander Limited 4WD | $356 | $602 | $330 | $20 | $98 | $1,431 | $119 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $178 | $270 | $330 | $20 | $98 | $896 | $75 |
| Commander Sport 4WD | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Commander Limited 2WD | $198 | $318 | $330 | $20 | $98 | $964 | $80 |
| Commander Limited 4WD | $198 | $318 | $330 | $20 | $98 | $964 | $80 |
| Get Your Own Customized Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in specific location information which can decrease or increase premium rates significantly.
Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $37 more each month or $444 every year than buying the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 24 months between claim filings, you would save money by going with a higher deductible.
Tickets and at-fault accidents raise rates
The illustration below demonstrates how speeding tickets and at-fault claims can drive up Jeep Commander insurance costs for different categories of driver ages. The premiums assume a single male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.
Annual premiums comparing men and women in Philadelphia
The illustration below visualizes the comparison of Jeep Commander insurance prices for male and female drivers. The information is based on no driving violations, no at-fault accidents, full coverage, $250 deductibles, single status, and no discounts are applied.
Full coverage versus liability-only in Philadelphia
The chart below shows the comparison of Jeep Commander insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. The information is based on no driving violations, no at-fault accidents, $500 deductibles, single marital status, and no discounts are factored in.
When to switch to liability coverage only
There is no definitive formula of when to stop paying for physical damage insurance, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let’s say your Jeep Commander claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after the deductible is paid. If you are paying over $800 a year to have full coverage, then you may want to consider only buying liability coverage.
There are some cases where only buying liability is not recommended. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not buy liability only.
Do you qualify for discounts on Jeep Commander insurance in Philadelphia?
Some providers don’t always list all discounts in a way that’s easy to find, so we researched a few of the more well known and the harder-to-find discounts you could be receiving when you buy Philadelphia car insurance online. If you are not receiving all the discounts you deserve, it’s possible you qualify for a lower rate.
- 55 and Retired – Drivers that qualify as senior citizens may qualify for better auto insurance rates.
- Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% depending on your company.
- Paper-free Discount – Many companies will discount your bill up to fifty bucks shop Philadelphia car insurance over the internet.
- Accident Waiver – This one isn’t a discount, but companies like GEICO, State Farm, and Progressive may permit one accident before they charge you more for coverage so long as you are claim-free for a specific time period.
- New Vehicle Savings – Buying coverage on a new vehicle can save you some money because newer vehicles have to meet stringent safety requirements.
- Discount for Multiple Policies – When you have multiple policies with one company you could earn a discount of up to 20% and get you inexpensive Jeep Commander insurance in Philadelphia.
A quick disclaimer, many deductions do not apply to the whole policy. Most cut individual premiums such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, that’s just not realistic.
The diagram below shows the difference between Jeep Commander insurance costs with and without discounts applied to the policy premium. The data is based on a male driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, safe-driver, homeowner, and multi-car discounts applied.
A partial list of companies that may offer some of the discounts shown above include:
When getting free Philadelphia car insurance quotes, it’s a good idea to all the companies which discounts they offer. Savings might not apply in your state. To find providers that provide some of the discounts listed above in Philadelphia, click this link.
Auto insurance quotes from neighborhood Philadelphia auto insurance agents
A small number of people still prefer to talk to a local agent and that can be a great decision Insurance agents can make sure you are properly covered and will help you if you have claims. A good thing about price shopping on the web is you can get the best rates and still choose a local agent. Buying insurance from small agencies is important especially in Philadelphia.
Upon completion of this quick form, the coverage information is emailed to companies in Philadelphia that give free quotes and help you find cheaper coverage. You won’t need to find an agent on your own due to the fact that quote results will go immediately to your email address. If for some reason you want to compare prices from one company in particular, you can always go to their quote page and fill out their quote form.
Philadelphia auto insurance agents are either independent or exclusive
If you would like to find local Philadelphia agents, it can be helpful to understand the different types of agents and how they operate. Auto insurance agents can be categorized as either exclusive agents or independent agents. Either one can sell affordable auto insurance policies, but it’s important to know the differences since it could factor into which type of agent you select.
Independent Agencies or Brokers
Independent agents can sell policies from many different companies and that is an advantage because they can write policies through lots of different companies and help determine which has the cheapest rates. To move your coverage to a new company, your agent can just switch to a different company and you don’t have to do anything. When comparing auto insurance rates, we recommend you get rate quotes from at least one independent agent so that you have a good selection of quotes to compare. They often place coverage with lesser-known insurance companies which can save you money.
Shown below are Philadelphia independent insurance agents that can possibly get you price quotes.
- Pa Auto Insurance Outlet
4901 Frankford Ave – Philadelphia, PA 19124 – (215) 827-0800 – View Map - America Insurance Agency Inc
7214 Frankford Ave – Philadelphia, PA 19135 – (800) 283-0500 – View Map - K and A Insurance Agency
5520 Wayne Ave – Philadelphia, PA 19144 – (215) 991-4900 – View Map
Exclusive Agents
These agents write business for a single company such as Allstate and State Farm. They are unable to provide prices from multiple companies so always compare other rates. Exclusive agents are trained well on the products they sell which helps them compete with independent agents. Consumers often use the same exclusive agent mainly due to the prominence of the brand and solid financial strength.
Listed below is a short list of exclusive insurance agencies in Philadelphia willing to provide price quotes.
- State Farm – Philadelphia – Thanh Pham
254 S 10th St – Philadelphia, PA 19107 – (215) 238-7400 – View Map - State Farm: Brian Cover
7005 Bustleton Ave – Philadelphia, PA 19149 – (215) 332-9000 – View Map - Dave Penning – State Farm Insurance Agent
2962 Robbins Ave – Philadelphia, PA 19149 – (215) 537-8050 – View Map
Picking an auto insurance agent requires more thought than just the quoted price. These are some questions you should get answers to.
- Are all drivers listed on the coverage quote?
- Are there any extra charges for paying monthly?
- Can you choose the body shop in case repairs are needed?
- Do you qualify for any additional discounts?
- Which companies can they place coverage with?
- Is insurance their full-time profession?
Don’t assume everyone needs the same car insurance coverage
When it comes to choosing the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that
These are some specific questions can aid in determining if your insurance needs would benefit from professional advice.
- Which companies will insure high-risk drivers?
- Is my nanny covered when driving my vehicle?
- Exactly who is provided coverage by my policy?
- Is my camper covered for physical damage?
- If my car is totaled with they pay enough to replace it?
- What is the minimum liability in Pennsylvania?
- Am I covered when using my vehicle for business?
If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.
In Summary
You just learned a lot of ways to find cheaper Jeep Commander insurance in Philadelphia. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding cheaper Philadelphia car insurance quotes. You may even find the biggest savings come from a lesser-known regional company. Smaller companies often have lower premium rates on specific markets than their larger competitors like Progressive or GEICO.
As you quote Philadelphia car insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped collision coverage only to regret at claim time they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage for the lowest cost while still protecting your assets.
Helpful learning opportunities
- Teen Driving Statistics (iihs.org)
- What Auto Insurance is Cheapest for Postal Workers in Philadelphia? (FAQ)
- Auto Crash Statistics (Insurance Information Institute)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Child Safety FAQ (iihs.org)
- Think You’re a Safe Driver? (State Farm)