Truthfully, the best way to get more affordable Jeep Commander insurance in Jersey City is to compare prices at least once a year from insurance carriers that sell auto insurance in New Jersey.
- Read and learn about how companies price auto insurance and the modifications you can make to drop your rates. Many things that result in higher rates such as speeding tickets, accidents and an imperfect credit rating can be remedied by making minor changes to your lifestyle.
- Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from one company like Progressive and State Farm, while agents who are independent can quote rates from multiple companies.
- Compare the new quotes to the premium of your current policy and determine if there is any savings. If you find a lower rate, make sure there is no lapse in coverage.
- Provide notification to your current company of your intention to cancel your current car insurance policy. Submit the signed application along with the required initial payment for your new policy. As soon as you have the new policy, store the proof of insurance certificate with the vehicle registration.
One thing to remember is that you’ll want to make sure you compare similar limits and deductibles on each price quote and and to get rates from as many auto insurance providers as possible. Doing this guarantees a fair rate comparison and a thorough selection of prices.
It’s a known fact that auto insurance companies don’t want you to look for cheaper rates. Insureds who do rate comparisons are likely to switch auto insurance companies because there is a great chance of finding better rates. A recent study showed that drivers who compared rates once a year saved as much as $865 annually as compared to drivers who never compared rates.
If finding the lowest price for auto insurance in Jersey City is the reason you’re reading this, then learning about how to get free comparison quotes and analyze insurance coverage can help simplify the process.
Reducing your insurance rates is an easy way to save money. Just take a few minutes comparing rates from different insurance companies.
The providers in the list below offer price quotes in Jersey City, NJ. To find cheaper auto insurance in Jersey City, NJ, we suggest you compare several of them to get a more complete price comparison.
Car insurance in New Jersey serves several purposes
Despite the high cost, insurance serves a purpose in several ways.
- Almost all states have minimum mandated liability insurance limits which means state laws require a specific minimum amount of liability coverage in order to be legal. In New Jersey 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 Commander, most lenders will force you to buy full coverage to protect their interest in the vehicle. If the policy lapses, the bank may buy a policy for your Jeep at an extremely high rate and require you to pay for it.
- Car insurance preserves both your car and your assets. It will also provide coverage for medical bills for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers legal expenses in the event you are sued. If you have damage to your Jeep as the result of the weather or an accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance more than cancel out the cost, especially when you need to use it. But the average American driver is currently overpaying as much as $820 a year so it’s very important to do a rate comparison each time the policy renews to be sure current rates are still competitive.
Premium rates and analysis
The information displayed below highlights a range of insurance rates for Jeep Commander models. Having a better idea how insurance prices are formulated is important for drivers to make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $420 | $626 | $480 | $28 | $144 | $1,698 | $142 |
| Commander Sport 4WD | $420 | $738 | $480 | $28 | $144 | $1,810 | $151 |
| Commander Limited 2WD | $466 | $738 | $480 | $28 | $144 | $1,856 | $155 |
| Commander Limited 4WD | $466 | $738 | $480 | $28 | $144 | $1,856 | $155 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price information does not factor in Jersey City location which can lower or raise price quotes considerably.
Higher deductibles lower rates
When comparing car insurance rates, the most common question is where should you set your physical damage deductibles. The figures shown below can help you understand the price difference when you choose different physical damage coverage deductibles. The first rate estimation uses a $100 physical damage coverage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $466 | $746 | $480 | $28 | $144 | $1,889 | $157 |
| Commander Sport 4WD | $466 | $880 | $480 | $28 | $144 | $2,023 | $169 |
| Commander Limited 2WD | $520 | $880 | $480 | $28 | $144 | $2,077 | $173 |
| Commander Limited 4WD | $520 | $880 | $480 | $28 | $144 | $2,077 | $173 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $340 | $504 | $480 | $28 | $144 | $1,496 | $125 |
| Commander Sport 4WD | $340 | $594 | $480 | $28 | $144 | $1,586 | $132 |
| Commander Limited 2WD | $380 | $594 | $480 | $28 | $144 | $1,626 | $136 |
| Commander Limited 4WD | $380 | $594 | $480 | $28 | $144 | $1,626 | $136 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in vehicle location which can decrease or increase coverage rates considerably.
Based on the data above, we can derive that using a $100 deductible costs roughly $36 more each month or $432 for a full year than selecting the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average at least 11 months between claims, you would come out ahead if you elect the higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $100 deductibles: | $168 |
| Average monthly premium for $500 deductibles (subtract): | – $132 |
| Monthly savings from raising deductible: | $36 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $36 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 11 months |
The chart below illustrates how your deductible choice and can impact Jeep Commander insurance costs for each different age group. The premium estimates are based on a married female driver, comp and collision included, and no policy discounts are applied.
Careless Jersey City drivers pay higher rates
The chart below illustrates how violations and accident claims can drive up Jeep Commander car insurance rates for each different age category. The premiums are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
Car insurance premiums based on gender
The information below visualizes the comparison of Jeep Commander insurance rates for male and female drivers. The prices are based on no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, single status, and no discounts are taken into consideration.
Does full coverage make sense?
The illustration below illustrates the comparison of Jeep Commander auto insurance rates with full coverage and liability only. The data is based on no claims or driving citations, $100 deductibles, drivers are not married, and no additional discounts are factored in.
Should you buy full coverage or liability only?
There is no exact formula for eliminating comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Jeep Commander claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after you pay the deductible. If you are paying more than $300 a year to have full coverage, then it may be the right time to buy liability only.
There are some situations where only buying liability is not a good idea. If you still have a lienholder on your title, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not opt for liability only.
Get discounts to get affordable Jersey City car insurance rates
Insurance can cost an arm and a leg, but there are discounts available that can dramatically reduce your bill. Certain reductions will be credited when you quote, but lesser-known reductions have to be asked for before being credited. If you check and find you aren’t receiving every discount possible, you’re paying more than you need to.
- Waiver for an Accident – This one isn’t a discount, but a handful of insurance companies will turn a blind eye to one accident without the usual rate increase so long as you haven’t had any claims for a particular time prior to the accident.
- Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts may qualify for discounts of up to 25% or more.
- Theft Prevention Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and therefore earn up to a 10% discount.
- Senior Discount – If you qualify as a senior citizen, you may be able to get a discount up to 10%.
- Jersey City Homeowners Discount – Owning a home in Jersey City can save a few bucks because it shows financial diligence.
- College Student – Kids who are attending college without a vehicle on campus can receive lower rates.
- Full Payment Discount – By making one initial payment instead of making monthly payments you may reduce your total bill.
- Multiple Vehicles – Buying a policy with all your vehicles on one policy qualifies for this discount.
- Drive Less and Save – Fewer annual miles on your Jeep can qualify you for substantially lower rates.
Don’t be shocked that most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though you would think you could get a free car insurance policy, it doesn’t quite work that way.
The chart below compares Jeep Commander car insurance rates with and without discounts applied. The information is based on a male driver, no violations or claims, New Jersey state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, claim-free, multi-car, and multi-policy discounts applied.
Larger car insurance companies and some of their more popular discounts are:
- GEICO may offer discounts for anti-lock brakes, multi-policy, driver training, five-year accident-free, and membership and employees.
- Mercury Insurance discounts include low natural disaster claims, age of vehicle, good student, multi-policy, accident-free, and good driver.
- Farmers Insurance has discounts for teen driver, pay in full, early shopping, distant student, youthful driver, homeowner, and electronic funds transfer.
- Auto-Owners Insurance may include discounts for anti-lock brakes, paid in full, company car, group or association, and multi-policy.
- Liberty Mutual offers premium reductions for new graduate, newly married, safety features, preferred payment discount, multi-policy, and hybrid vehicle.
- SAFECO may have discounts that include multi-car, accident prevention training, anti-theft, drive less, teen safe driver, homeowner, and teen safety rewards.
- Progressive offers discounts including multi-policy, continuous coverage, online quote discount, good student, and multi-vehicle.
- USAA offers discounts for loyalty savings, defensive driver, safe driver, multi-vehicle, vehicle storage, new vehicle, and good student.
It’s a good idea to ask all the companies which discounts they offer. Depending on the company, some discounts may not be available in your area. To find insurers with the best Jeep Commander insurance discounts in New Jersey, follow this link.
Exclusive versus independent insurance agents
Certain consumers would rather visit with an insurance agent and that is just fine! Good insurance agents can make sure you are properly covered and give you someone to call. A good thing about price shopping on the web is that you can obtain cheap insurance quotes and also buy local.
By using this quick form, your information is immediately sent to local insurance agents that give free quotes to get your business. There is no reason to drive around because quoted prices will be sent directly to you. In the event you want to compare rates from one company in particular, you just need to jump over to their website and submit a quote form there.
Choosing an insurance company is decision based upon more than just the bottom line cost. Ask your prospective agent these questions:
- Will the company cover a rental car if your car is getting fixed?
- How much experience to they have in personal lines coverages?
- Is coverage determined by price?
- Does the company use OEM repair parts?
- Does their agency support local causes in Jersey City?
- What company holds the largest book of business for them?
- Are there any discounts for paying up front?
Exclusive or Independent: There is a difference
When narrowing the list to find a reliable agent, it’s helpful to know the different types of agents that you can choose from. Insurance policy providers are considered either independent or exclusive. Either type can write policy coverage, but it’s a good idea to understand how they are different because it can factor into your selection of an agent.
Exclusive Insurance Agencies
These agents can only place business with one company and examples are Allstate, State Farm and Farm Bureau. Exclusive agents are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. These agents are usually quite knowledgeable in insurance sales which aids in selling service over price. Consumers sometimes buy from exclusive agents partially due to the prominence of the brand rather than having the cheapest rates.
Listed below are Jersey City exclusive insurance agencies that can give you comparison quotes.
- Farmers Insurance – Karima Panjwani
591 Summit Ave – Jersey City, NJ 07306 – (201) 793-7525 – View Map - Allstate Insurance: Emad Soliman
844 Bergen Ave – Jersey City, NJ 07306 – (201) 332-6999 – View Map - Tawanda Jackson – State Farm Insurance Agent
688 NJ-440 – Jersey City, NJ 07305 – (201) 209-0290 – View Map
Independent Insurance Agents
Independent insurance agents are not required to write business for one company so they can write business amongst many companies and help determine which has the cheapest rates. If you want to switch companies, an independent agent can move your coverage which is easy for the insured. When shopping rates, you should always get some free quotes from several independent insurance agents to ensure the widest selection of prices. A lot of them also have access to mutual insurance companies who may have lower rates.
The following are independent agents in Jersey City that are able to give comparison quotes.
- Blake Agency
370 Pacific Ave – Jersey City, NJ 07304 – (201) 209-0065 – View Map - Express Insurance
775 Newark Ave – Jersey City, NJ 07306 – (201) 217-1780 – View Map - ABL Insurance Services
910 Bergen Ave # 307 – Jersey City, NJ 07306 – (201) 222-1314 – View Map
What insurance coverages do you need?
Learning about specific coverages of your policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Liability coverages – This protects you from injuries or damage you cause to other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 15/30/5 that translate to $15,000 bodily injury coverage, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property.
Liability can pay for things such as emergency aid, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible. New Jersey requires minimum liability limits of 15/30/5 but drivers should carry more coverage.
The illustration below shows why buying minimum limits may not be enough coverage.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for X-ray expenses, rehabilitation expenses, prosthetic devices and EMT expenses. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Collision – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as hitting a parking meter, colliding with another moving vehicle, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible on your Commander to get cheaper collision coverage.
Comprehensive coverages – This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims such as damage from flooding, hitting a deer and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required (15/30/5), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Affordable insurance rates are out there
Drivers switch companies for a variety of reasons including questionable increases in premium, denial of a claim, policy cancellation or even high prices. Regardless of your reason, finding a new company is not as hard as you think.
Cost effective Jeep Commander insurance can be purchased from both online companies and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get quotes online and most of the time these regional insurance providers provide coverage only through independent agents.
When you buy Jersey City car insurance online, make sure you don’t reduce coverage to reduce premium. There are many occasions where an insured dropped liability coverage limits only to find out that they should have had better coverage. Your objective should be to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.
To learn more, feel free to visit the following helpful articles:
- Event Data Recorders FAQ (iihs.org)
- What Insurance is Cheapest for Postal Workers in Jersey City? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Nissan Altima in Jersey City? (FAQ)
- What is the Cheapest Auto Insurance in Jersey City, New Jersey? (FAQ)
- How Much are Jersey City Auto Insurance Quotes for Drivers Over Age 50? (FAQ)
- What Auto Insurance is Cheapest for Electric Cars in Jersey City? (FAQ)
- Who Has Cheap Auto Insurance for Low Credit Scores in Jersey City? (FAQ)
- Who Has Affordable Jersey City Auto Insurance Quotes for a Toyota Tacoma? (FAQ)
- Who Has the Cheapest Jersey City Car Insurance Rates for Veterans? (FAQ)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Medical Payments Coverage (Liberty Mutual)
- Prepare your Teens for Safe Driving (InsureUonline.org)