Having to pay for overpriced auto insurance can drain your personal savings and make it impossible to make ends meet. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income. Online insurance companies like Allstate, Liberty Mutual and State Farm continually hit you with TV and radio ads and it can be hard to see past the corporate glitz and take the time to shop coverage around.
It’s important to compare rates before your policy renews since rates are variable and change quite frequently. If you had the best rates for Commander insurance a year ago you may be paying too much now. There is a lot of bad information regarding auto insurance on the web, but with this article, you’re going to get some good information on how to slash your auto insurance rates.
If you have a policy now or are shopping for new coverage, you will benefit by learning to find better prices and still get good coverage. Finding the best rates is quite easy. Consumers only need to know the most efficient way to shop for auto insurance online.
Performing a rate comparison can be a daunting task if you don’t understand the most efficient way to do it. You can waste a lot of time talking about coverages with insurance companies in your area, or you can stay home and use online quotes to get pricing more quickly.
All the larger companies are enrolled in a marketplace that enables customers to send in one quote, and each company returns a competitive quote for coverage. This saves time by eliminating form submissions for each company.
To fill out one form to compare multiple rates now click here to open in new window.
The only downside to comparing rates this way is that you can’t choose which providers you want to price. So if you prefer to choose from a list of companies to request quotes from, we put together a list of low cost insurance companies in your area. Click here to view list.
It’s up to you which method you use, but make sure you use identical quote information for every company. If you are comparing different liability limits it’s not possible to make a fair comparison for your Jeep Commander.
When buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions might point out if you would benefit from an agent’s advice.
If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.
Knowing the specifics of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverages offered by insurance companies.
Comprehensive coverages
This coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like fire damage, a tree branch falling on your vehicle, rock chips in glass, a broken windshield and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Uninsured and underinsured coverage
Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2009 Jeep Commander.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.
Auto liability
Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.
Liability coverage protects against things such as attorney fees, funeral expenses, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.
Collision insurance
Collision coverage pays for damage to your Commander resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as hitting a mailbox, damaging your car on a curb, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like X-ray expenses, prosthetic devices, doctor visits and EMT expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage