It’s an obvious assumption that car insurance companies don’t want policyholders to shop around. Drivers who perform rate comparisons will most likely switch to a new company because there is a significant possibility of finding good coverage at a lower price. A study discovered that consumers who routinely shopped around saved as much as $72 a month as compared to drivers who never shopped around for better prices.
If finding the lowest price on Jeep Commander insurance in Greensboro is your objective, then learning a little about how to get price quotes and compare car insurance can help make the process easier.
If you want to save the most money, the best way to get the cheapest auto insurance rates in Greensboro is to do an annual price comparison from insurers who sell insurance in North Carolina. Prices can be compared by following these steps.
First, read and learn about the different coverages in a policy and the things you can change to prevent expensive coverage. Many rating criteria that cause high rates such as speeding tickets, accidents and an imperfect credit rating can be eliminated by improving your driving habits or financial responsibility. This article provides additional ideas to help keep rates affordable and get discounts that may be overlooked.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while independent agents can quote rates for a wide range of insurance providers.
Third, compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate and make a switch, ensure coverage does not lapse between policies.
Fourth, notify your company or agent to cancel the current policy and submit the completed application along with a down payment to your new agent or company. Once coverage is bound, put the new certificate verifying proof of insurance with your registration paperwork.
One tip to remember is to make sure you enter the same coverage limits and deductibles on every quote and and to look at as many different insurance providers as possible. This guarantees an accurate price comparison and a complete price analysis.
Buying affordable coverage in Greensboro can be fairly easy. If you have insurance now or just want to save money, you can use these techniques to get lower rates while maintaining coverages. Consumers just need to know the least time-consuming way to compare insurance rates from many different companies online.
The easiest way to compare rates for Jeep Commander insurance in Greensboro utilizes the fact most larger insurance companies will pay a fee to provide you with a free rate quote. All you need to do is take a few minutes to give details like if you went to college, if it has an anti-theft system, distance driven, and whether you are married. The data is instantly sent to many highly-rated insurers and they return quotes almost instantly.
If you would like to compare rates now, click here and enter your zip code.
The auto insurance companies shown below can provide price comparisons in Greensboro, NC. If your goal is to find the best car insurance in Greensboro, NC, we recommend you compare several of them to get a more complete price comparison.
Lower-cost Jeep Commander insurance rates in Greensboro
Some insurance providers don’t always list every available discount in a way that’s easy to find, so the list below contains a few of the more well known and the harder-to-find discounts you could be receiving when you buy Greensboro auto insurance online.
- Organization Discounts – Joining qualifying employment or professional organizations is a good way to get lower rates on your bill.
- Drive Safe and Save – Accident-free drivers can save as much as half off their rates than less cautious drivers.
- Government Employees – Active or former government employment could qualify for a slight premium decrease with some auto insurance companies.
- Paperwork-free – A few auto insurance companies will give you a small discount for buying your policy on their website.
- Student Driver Training – Teen drivers should enroll and complete driver’s education in school.
- Mature Driver Discount – Drivers over the age of 55 could receive reduced rates.
- Accident-Free Discounts – Greensboro drivers who stay claim-free pay less in comparison to insureds who have frequent claims or accidents.
Discounts save money, but please remember that some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky.
The diagram below illustrates the comparison of Jeep Commander car insurance costs with and without discounts applied. The prices are based on a female driver, no claims or driving violations, North Carolina state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, marriage, homeowner, and claim-free discounts applied.
Large auto insurance companies and a selection of discounts are:
- State Farm includes discounts for defensive driving training, multiple autos, anti-theft, Steer Clear safe driver discount, and passive restraint.
- Farmers Insurance offers discounts for distant student, early shopping, electronic funds transfer, pay in full, and bundle discounts.
- Progressive offers premium reductions for homeowner, multi-policy, continuous coverage, online signing, good student, multi-vehicle, and online quote discount.
- GEICO discounts include multi-vehicle, five-year accident-free, emergency military deployment, military active duty, air bags, and multi-policy.
- Auto-Owners Insurance may offer discounts for teen driver, paperless, company car, multi-policy, anti-theft, and group or association.
- The Hartford offers discounts including driver training, anti-theft, good student, vehicle fuel type, air bag, and defensive driver.
- Farm Bureau policyholders can earn discounts including youthful driver, 55 and retired, driver training, safe driver, good student, multi-policy, and multi-vehicle.
- USAA may include discounts for vehicle storage, loyalty savings, family discount, good student, multi-policy, and annual mileage.
Before you buy a policy, ask each insurance company which discounts you qualify for. Some of the discounts discussed earlier might not be offered in Greensboro. To see a list of insurance companies offering auto insurance discounts in Greensboro, click here.
Jeep Commander insurance coverage information
The premium information displayed below highlights different rate quotes for Jeep Commander models. Having a good grasp of how insurance quotes are formulated is important for drivers to make smart choices when buying a car insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Commander Sport 2WD||$152||$204||$326||$20||$98||$800||$67|
|Commander Sport 4WD||$152||$240||$326||$20||$98||$836||$70|
|Commander Limited 2WD||$170||$240||$326||$20||$98||$854||$71|
|Commander Limited 4WD||$170||$240||$326||$20||$98||$854||$71|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in specific garaging location which can decrease or increase premium rates significantly.
The information below illustrates how choosing a deductible and can raise or lower Jeep Commander annual premium costs for each different age group. The premium estimates are based on a married male driver, full coverage, and no other discounts are factored in.
Full coverage versus liability-only in Greensboro
The illustration below shows the comparison of Jeep Commander car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no claims or driving citations, $500 deductibles, single status, and no policy discounts are applied.
When to stop buying comprehensive and collision coverage
There is no specific rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s assume your Jeep Commander book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after the policy deductible has been paid. If you are paying more than $600 annually to have full coverage, then you might want to consider buying only liability coverage.
There are a few situations where buying only liability insurance is not a good plan. If you haven’t satisfied your loan, you have to maintain full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.
Get More Affordable Insurance Costs by Understanding These Factors
When buying insurance it’s important to understand the different types of things that play a part in calculating your insurance rates. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that could result in lower rates.
Shown below are just a few of the factors insurance companies consider when setting premiums.
Responsible drivers pay better premiums – Even a single speeding ticket or other violation can increase the cost of insurance substantially. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Drivers who have dangerous tickets such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to prove financial responsibility with their state DMV in order to prevent their license from being revoked.
The chart below illustrates how violations and accidents impact Jeep Commander insurance prices for each different age category. The premiums assume a married male driver, full coverage, $250 deductibles, and no discounts are applied.
City dwellers may pay more – Choosing to live in less populated areas can save you money when talking about insurance. Fewer drivers on the road translates into fewer accidents and also fewer theft and vandalism claims. Drivers who live in large North Carolina cities regularly have more auto accidents and a longer drive to work. More time commuting means more chance of being in an accident.
Gender is a factor – Statistics have proven that females take fewer risks when driving. That doesn’t necessarily mean that females are better drivers. Both genders cause at-fault accidents at about the same rate, but guys cause more damage and cost insurance companies more money. In addition to higher claims, males also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
The information below compares Jeep Commander yearly insurance costs for male and female drivers. The information is based on no claims or violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
Prices may be lower depending on your occupation – Do you have a high-stress occupation? Occupational choices like military personnel, business owners, and dentists tend to pay higher premiums than the average policyholder attributed to intense work requirements and extremely grueling work hours. Other careers like professors, engineers and the unemployed generally pay rates lower than average.
Comparing rates from local Greensboro insurance agents
Some consumers prefer to get advice from a local agent and doing so can bring peace of mind Licensed agents can help determine the best coverages and help you file claims. The best thing about price shopping on the web is you can get lower rates and also buy local. Buying insurance from neighborhood insurance agencies is especially important in Greensboro.
After completing this simple form, the quote information is transmitted to participating agents in Greensboro who will gladly provide quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to search for an agent since price quotes are sent to you directly. If you have a need to get a comparison quote from a specific insurance provider, just search and find their rate quote page and fill out their quote form.
Picking the best company requires you to look at more than just a cheap price quote. Any good agent in Greensboro should know the answers to these questions.
- Are they full-time agents?
- Where would glass claims be handled in Greensboro?
- Are there any extra charges for paying monthly?
- How long has their agency been open in Greensboro?
- If your car is in the repair shop, do you have coverage for a rental car?
- Is the agency covered by Errors and Omissions coverage?
- How often do they review coverages?
- Do they assist clients in filing claims?
Ratings for Greensboro car insurance companies
Ending up with the right insurer can be rather challenging considering how many companies sell coverage in North Carolina. The rank data listed below can help you choose which auto insurers to look at when shopping your coverage around.
Top 10 Greensboro Car Insurance Companies Overall
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
- American Family
Quote more to save more
We just presented a lot of information how to compare Jeep Commander insurance prices in Greensboro. It’s most important to understand that the more times you quote, the better your comparison will be. You may even be surprised to find that the best prices are with the least-expected company. They may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.
As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. There have been many cases where consumers will sacrifice physical damage coverage only to find out that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at the best price, not the least amount of coverage.
Additional detailed information is available in these articles:
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Who Has the Cheapest Car Insurance Rates for Inexperienced Drivers in Greensboro? (FAQ)
- How Much is Greensboro Car Insurance for Drivers with Bad Credit? (FAQ)
- How Much are Greensboro Car Insurance Rates for Good Students? (FAQ)
- How Much is Car Insurance for a Dodge Ram in Greensboro? (FAQ)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- How do I File a Claim? (Insurance Information Institute)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)