We don’t have to tell you that car insurance companies want to keep you from comparing rates. People who get comparison quotes once a year will most likely move their business because of the good chance of finding a more affordable policy. A recent survey found that people who routinely compared rates saved as much as $3,500 over four years as compared to drivers who never compared rates.
If finding the cheapest price on Jeep Commander insurance is your goal, then having an understanding of how to get price quotes and compare cheaper coverage can make the process less intimidating.
The most effective way to find low-cost prices for Jeep Commander insurance in Nashville is to start doing an annual price comparison from companies in Tennessee.
Step 1: Read about how insurance companies determine prices and the factors you can control to prevent rate increases. Many rating criteria that result in higher rates such as traffic citations and a not-so-good credit history can be rectified by improving your driving habits or financial responsibility.
Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO or Farmers Insurance, while independent agents can give you price quotes for a wide range of companies.
Step 3: Compare the price quotes to your current policy to see if a cheaper rate is available. If you can save money, make sure there is no coverage gap between policies.
Step 4: Give notification to your current company of your decision to cancel your current car insurance policy. Submit the required down payment along with the signed application to your new company or agent. Immediately upon receiving it, put the new proof of insurance paperwork along with the vehicle’s registration papers.
An important note is to try to compare identical deductibles and limits on every price quote and and to analyze as many auto insurance providers as possible. Doing this ensures an apples-to-apples comparison and a complete selection of prices.
If you are already insured, you will definitely be able to reduce the price you pay using the techniques presented in this article. Our objective is to teach you a little about how car insurance works. Although Tennessee car owners benefit from understanding the way companies calculate your policy premium and take advantage of how the system works.
Best Jeep Commander insurance rates in Tennessee
The companies shown below are ready to provide price comparisons in Tennessee. If multiple companies are listed, it’s highly recommended you visit several of them to find the most competitive auto insurance rates.
The coverage information displayed next covers a range of coverage prices for Jeep Commander models. Being aware of how auto insurance premiums are figured can aid in making informed coverage decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Commander Sport 2WD||$158||$252||$272||$16||$82||$780||$65|
|Commander Sport 4WD||$158||$296||$272||$16||$82||$824||$69|
|Commander Limited 2WD||$176||$296||$272||$16||$82||$842||$70|
|Commander Limited 4WD||$176||$296||$272||$16||$82||$842||$70|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rates do not factor in vehicle location which can influence auto insurance rates greatly.
The illustration below shows how different deductible levels and can impact Jeep Commander premium costs for different categories of driver ages. The premium estimates are based on a married male driver, full coverage, and no discounts are factored in.
Cost comparison with and without full coverage
The example below compares Jeep Commander insurance costs with full physical damage coverage and with liability coverage only. The rates are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
When to drop comprehensive and collision coverage
There is no exact rule for phasing out full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Jeep Commander replacement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $2,000 after paying your deductible. If you are paying in excess of $200 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where dropping full coverage is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not opt for liability only.
Nashville car insurance discounts
Car insurance is not an enjoyable expense, but you may be missing some discounts that you may not even be aware of. Many of these discounts will be applied automatically when you quote, but some must be specifically requested prior to getting the savings.
- Discount for Life Insurance – Not all car insurance companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
- Telematics Discount – Insureds that choose to allow driving data submission to spy on their driving habits remotely such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they have good driving habits.
- Pay Now and Pay Less – By paying your policy upfront as opposed to paying monthly you can avoid the installment charge.
- Policy Bundle Discount – If you can bundle your homeowners and auto insurance with one company you could save at least 10% off all policies.
- Paper-free Discount – A few larger online companies give back up to $50 just for signing your application on their website.
As is typical with insurance, many deductions do not apply to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way. But all discounts should help reduce your policy premiums.
The diagram below visualizes the comparison of Jeep Commander auto insurance rates with and without discounts. The information is based on a female driver, a clean driving record, no claims, Tennessee state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-policy, homeowner, and multi-car discounts applied.
Some of the insurance companies that possibly offer these money-saving discounts include:
Before buying, ask every insurance company which discounts you qualify for. Discounts might not be available to policyholders in your area. If you would like to see a list of insurers that offer multiple discounts in Tennessee, click here to view.
When do I need an agent’s advice?
When quoting and comparing coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique.
Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.
- If my pet gets injured in an accident are they covered?
- Does medical payments coverage apply to all occupants?
- Do I need special coverage while pulling a rented trailer?
- What is the minimum liability in Tennessee?
- Should I rate my vehicle as business use?
- When should I remove my kid from my policy?
If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.
Local neighborhood insurance agents
A small number of people prefer to get professional advice from a licensed agent and that is a smart decision A good thing about price shopping on the web is that you can find cheap rate quotes but also keep your business local. Putting coverage with neighborhood agents is still important in Nashville.
To help locate an agent, after submitting this quick form, your information is transmitted to companies in Nashville that give free quotes for your insurance coverage. There is no need to even leave your home due to the fact that quote results will go to your email. Get lower rates and work with a local agent. If you want to get a price quote for a specific company, you just need to go to their quote page and fill out the quote form the provide.
When researching a reliable insurance agency, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Insurance agents can be classified as either independent or exclusive depending on the company they work for.
Agents that choose to be independent are not restricted to one company so they can insure your vehicles with multiple insurance companies and find you the best rates. If they quote lower rates, an independent agent can move your coverage which is easy for the insured.
When searching for an agent, you will definitely want to compare prices from multiple independent agents for maximum quote selection. They also have the ability to place coverage with additional companies that you may not be familiar with which can be an advantage.
The following is a partial list of independent insurance agencies in Nashville that can possibly get you free insurance quotes.
- Nationwide Insurance: Gaffney Insurance Agency and Financial Services LLC
946 Jefferson St #103 – Nashville, TN 37208 – (615) 733-3133 – View Map
- Greater Nashville Insurance
208 McGavock Pike A – Nashville, TN 37214 – (615) 885-5882 – View Map
- Fridrich, Pinson and Associates Insurance Agency
3825 Bedford Ave #203 – Nashville, TN 37215 – (615) 327-0105 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel can usually just insure with one company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot place coverage with different providers so they have no alternatives for high prices. Exclusive insurance agents are usually well trained on their products and sales techniques and that can be a competitive advantage. A lot of people use the same exclusive agent mostly because of loyalty to the company and solid financial strength.
Listed below are exclusive agents in Nashville that can give you price quotes.
- Marvin Cook – State Farm Insurance Agent
308 Donelson Pike – Nashville, TN 37214 – (615) 391-4966 – View Map
- Sid Neuhoff – State Farm Insurance Agent
4544 Harding Pike #216 – Nashville, TN 37205 – (615) 298-3276 – View Map
- Adam Darby – State Farm Insurance Agent
7041 Hwy 70 S #101 – Nashville, TN 37221 – (615) 869-7600 – View Map
Finding the right insurance agent is decision based upon more than just a low price. The questions below may impact your decision as well.
- How many years have they been established?
- Where are claims handled?
- Will high miles depreciate repair valuations?
- Does the agency have a current Errors and Omissions policy?
- Do they write coverage based solely on cost?
Shop around and save
Cheaper car insurance in Nashville can be purchased both online and also from your neighborhood Nashville agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who may not have the ability to get a quote online and these regional insurance providers only sell through local independent agents.
We’ve covered a lot of techniques to get a better price on Jeep Commander insurance in Nashville. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even discover the biggest savings come from a lesser-known regional company.
Insureds who switch companies do it for any number of reasons including high prices, poor customer service, delays in responding to claim requests and lack of trust in their agent. Regardless of your reason, finding a new company can be less work than you think.
Helpful learning opportunities
- Think You’re a Safe Driver? (State Farm)
- How Much are Car Insurance Rates for a Ford F-150 in Nashville? (FAQ)
- What Car Insurance is Cheapest for a Ford Escape in Nashville? (FAQ)
- Who Has Affordable Auto Insurance for a Subaru Outback in Nashville? (FAQ)
- Booster Seat Ratings (iihs.org)
- Frontal Crash Tests (iihs.org)
- Tread Depth and Tire Safety (State Farm)
- Vehicle Insurance in the U.S. (Wikipedia)