The easiest way to save on car insurance rates is to start doing an annual price comparison from insurers who sell insurance in Detroit. Rates can be compared by completing these steps.
- Try to comprehend how auto insurance works and the measures you can take to prevent high rates. Many risk factors that result in higher rates like distracted driving and a not-so-good credit rating can be improved by making lifestyle changes or driving safer.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or State Farm, while agents who are independent can provide price quotes from many different companies. View insurance agents
- Compare the quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate quote and make a switch, make sure there is no coverage gap between policies.
- Provide adequate notice to your current company to cancel your current auto insurance policy. Submit any necessary down payment along with the completed application for your new coverage. Immediately safely store the proof of insurance paperwork above your visor, in the console, or in the glove compartment.
One piece of advice is to try to compare identical deductibles and limits on every quote and and to compare as many carriers as you can. This helps ensure the most accurate price comparison and many rates to choose from.
A recent insurance study revealed that the vast majority of consumers kept buying from the same company for over three years, and just under half have never even compared quotes to find affordable rates. The average driver in Michigan could save almost 65% every year, but they mistakenly think it’s difficult to save money by comparing rate quotes.
If you have insurance now or are just looking to switch companies, you can learn to shop for the lowest rates while maintaining coverages. This article’s goal is to introduce you to how insurance works and some tricks to saving. Vehicle owners just need to use the best way to shop instantly.
Detroit Insurance Costs are Influenced by These Factors
Multiple criteria are part of the calculation when you get your auto insurance bill. Some are pretty understandable like an MVR report, although others are not quite as obvious such as your marital status or how financially stable you are.
- Where do you drive? – The more miles you rack up on your Jeep in a year’s time the more you’ll pay to insure it. Most insurance companies rate vehicles based on how the vehicle is used. Cars that have low annual miles get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your insurance policy reflects the right rating data, because it can save money. A policy that improperly rates your Commander is throwing money out the window.
- Reduce rates by driving safer vehicles – Vehicles with high crash test scores are cheaper to insure. Highly rated vehicles protect occupants better and lower injury rates means lower claim amounts which can mean better rates for you. If your Jeep Commander scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
- Multiple policies with one company – Lots of insurers will award lower prices to buyers that have more than one policy, otherwise known as a multi-policy discount. Even with this discount, you may still want to check prices from other companies to help ensure you have the lowest rates. It’s possible to still find lower rates by buying insurance from a different company.
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Premiums are lower the older you get – Older insureds tend to be more responsible, tend to file fewer claims, and tend to be get fewer driving tickets. Beginning drivers tend to be more careless when at the wheel of a vehicle so they pay higher insurance rates.
The following chart is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
- Never let your insurance policy lapse – Having a lapse in insurance coverage is a fast way to increase your rates. Not only will rates go up, being ticketed for driving with no insurance could earn you a revoked license or a big fine. You may then be required to provide proof of insurance in the form of an SR-22 filing with the Michigan motor vehicle department.
- Car features impact insurance rates – Owning a car with an alarm system can help bring down rates. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft and help bring rates down.
Coverage information
The coverage table displayed next highlights a range of insurance costs for Jeep Commander models. Learning how insurance prices are calculated can assist in making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $286 | $470 | $650 | $38 | $194 | $1,638 | $137 |
| Commander Sport 4WD | $286 | $554 | $650 | $38 | $194 | $1,722 | $144 |
| Commander Limited 2WD | $320 | $554 | $650 | $38 | $194 | $1,756 | $146 |
| Commander Limited 4WD | $320 | $554 | $650 | $38 | $194 | $1,756 | $146 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price information does not factor in garaging location in Detroit which can decrease or increase coverage prices significantly.
Driving violations and accidents
The chart below shows how violations and at-fault collisions drive up Jeep Commander insurance costs for different categories of driver ages. The price estimates are based on a married male driver, full coverage, $100 deductibles, and no additional discounts are factored in.
Does full coverage make sense?
The chart below visualizes the comparison of Jeep Commander premium costs when comparing full coverage to state minimum liability only. The premiums are based on no violations or claims, $100 deductibles, single marital status, and no discounts are applied to the premium.
Are you wasting money paying for full coverage?
There is no definitive guideline to drop full coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then it could be time to drop full coverage.
For example, let’s assume your Jeep Commander claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after paying the physical damage deductible. If you are paying in excess of $700 annually for full coverage, the it may be a good time to stop paying for full coverage.
There are some situations where removing full coverage is not advised. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
Do you qualify for discounts?
Some insurers don’t always advertise every discount they offer in an easy-to-find place, so here is a list a few of the more common and also the lesser-known discounts that may be available.
- Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off with a few auto insurance companies.
- Driving Data Discount – Drivers who elect to allow their auto insurance company to analyze when and where they use their vehicle by using a telematics device like Allstate’s Drivewise could see a rate decrease as long as the data is positive.
- Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid monthly service charges.
- Distant Student Discount – College-age children who live away from home at college and do not have access to a covered vehicle could get you a discount.
- Theft Deterrent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a Detroit auto insurance quote.
- Military Discounts – Being deployed in the military could qualify you for better premium rates.
- Student Discounts – Excelling in school can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
Remember that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you could get a free auto insurance policy, companies wouldn’t make money that way.
The illustration below shows the comparison of Jeep Commander insurance premiums with and without discounts. The price estimates are based on a male driver, no claims or violations, Michigan 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 marriage, multi-policy, claim-free, safe-driver, homeowner, and multi-car discounts applied.
Large auto insurance companies and their possible discounts are:
- American Family offers discounts for accident-free, bundled insurance, TimeAway discount, mySafetyValet, early bird, and multi-vehicle.
- Nationwide includes discounts for defensive driving, accident-free, anti-theft, easy pay, and family plan.
- MetLife may offer discounts for good driver, accident-free, multi-policy, good student, and claim-free.
- 21st Century has savings for theft prevention, homeowners, student driver, teen driver, good student, anti-lock brakes, and 55 and older.
- Farmers Insurance has discounts for pay in full, bundle discounts, distant student, good student, business and professional, teen driver, and homeowner.
- Allstate offers premium reductions for EZ pay plan discount, passive restraint, senior citizen, defensive driver, early signing, and utility vehicle.
Before you buy a policy, ask every company which discounts you may be entitled to. Some credits may not be available in every state.
Lower rates by being persistent
Insureds change insurance companies for any number of reasons including policy non-renewal, denial of a claim, questionable increases in premium or high rates after DUI convictions. No matter why you want to switch, finding the right car insurance provider can be easy and end up saving you some money.
In this article, we covered many tips how you can find cheap Jeep Commander insurance in Detroit. The most important thing to understand is the more times you quote, the better your comparison will be. You may even find the best price on car insurance is with some of the smallest insurance companies.
While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. There are many occasions where drivers have reduced full coverage only to find out that it was a big mistake. Your focus should be to find the BEST coverage for the lowest cost and still be able to protect your assets.
Even more information can be read at these sites:
- How to shop for a safer car (Insurance Institute for Highway Safety)
- How Much is Detroit Car Insurance for a Hyundai Santa Fe? (FAQ)
- Who has the Cheapest Auto Insurance Quotes in Detroit, MI? (DetroitInsure.com)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Think You’re a Safe Driver? (State Farm)
- Protecting Teens from Drunk Driving (Insurance Information Institute)