Cheapest 2008 Jeep Commander Insurance Rates in 2023
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UPDATED: Jun 4, 2023
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I can’t think of a single person who enjoys paying for insurance, especially knowing their premiums are through the roof.
Drivers have so many insurance companies to purchase coverage from, and although it’s a good thing to have a selection, having more insurers makes it harder to compare rates and cut insurance costs.
Smart consumers take time to get comparison quotes periodically because prices are usually higher with each renewal. Despite the fact that you may have had the best price on Commander insurance last year the chances are good that you can find a lower rate today. Starting now, block out anything you think you know about insurance because you’re going to get a crash course in one of the quickest ways to reduce your cost while increasing coverage.
More discounts equal less premium
The cost of insuring your cars can be expensive, but there could be available discounts that many people don’t even know exist. Certain discounts will be applied at the time of purchase, but some may not be applied and must be asked for before being credited.
- Anti-theft System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
- Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on Commander insurance than drivers with accidents.
- Accident Forgiveness – Certain companies permit an accident before raising your premiums if you are claim-free for a particular time prior to the accident.
- Defensive Driver – Successfully completing a driver safety course can save you 5% or more depending on where you live.
- Lower Rates for Military – Having a deployed family member could mean lower rates.
A little note about advertised discounts, most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck. But all discounts will bring down your premiums.
For a list of insurers who offer insurance coverage discounts, follow this link.
How to Compare Car Insurance
Effectively comparing car insurance prices can take time and effort if you aren’t aware of the most efficient way to do it. You can spend your afternoon talking to insurance agencies in your area, or you could save time and use online quoting to quickly compare rates.
Most car insurance companies enroll in a system that enables customers to submit one quote, and every company returns a rated price determined by their information. This system prevents you from having to do quote forms to every company.
To compare pricing click here to open in new window.
One minor caviat to using this type of form is you cannot specify which carriers you will receive quotes from. If you wish to select from a list of companies to compare, we put together a list of car insurance companies in your area. Click to view list.
Which method you use is up to you, but ensure you’re using identical coverages for every company. If you enter different deductibles it will be impossible to determine which rate is truly the best. Quoting even small variations in coverage limits could mean much higher rates. Keep in mind that comparing a large number of companies will enable you to find the best rates.
It’s not one size fits all
When it comes to buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether or not you might need professional guidance.
- Do I need to file an SR-22 for a DUI in my state?
- Do I have any recourse if my insurance company denies a claim?
- Is my dog or cat covered if injured in an accident?
- What if I owe more than I can insure my car for?
- How high should my medical payments coverage be?
- Can I make deliveries for my home business?
- Are my tools covered if they get stolen from my vehicle?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.
Specifics of your insurance policy
Knowing the specifics of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.
Liability auto insurance
Liability insurance protects you from damage that occurs to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.
Liability can pay for things like attorney fees, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.
Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as driving through your garage door, scraping a guard rail, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2008 Jeep Commander.
Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for pain medications, rehabilitation expenses, dental work, prosthetic devices and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like damage from flooding, falling objects, hitting a deer, hitting a bird and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Quote more, save more
Cost effective 2008 Jeep Commander insurance is available from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best selection. A few companies don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.
We covered a lot of ways to shop for insurance online. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may even discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, GEICO and Progressive.
- Prom Night Tips for Teen Drivers (State Farm)
- Anti-Lock Brake FAQ (iihs.org)
- Speed and Speed Limit FAQ (iihs.org)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- State Car Insurance Guides (GEICO)
- Young Drivers: The High Risk Years Video (iihs.org)
Frequently Asked Questions
Are there any specific insurance discounts available for the 2008 Jeep Commander?
Insurance providers may offer various discounts that could apply to a 2008 Jeep Commander, depending on the specific insurer. Here are the three common discounts you can inquire about:
- Multi-policy discount
- Safe driver discount
- Vehicle safety features discount
Does the location where I live affect the insurance rates for a 2008 Jeep Commander?
Yes, your location can influence your insurance rates. Areas with higher population densities, higher crime rates, or higher instances of accidents may have higher insurance premiums. Urban areas typically have higher rates compared to rural areas, but insurance companies consider multiple factors when determining premiums for specific locations.
Should I consider comprehensive and collision coverage for my 2008 Jeep Commander?
The need for comprehensive and collision coverage depends on various factors, including the value of your vehicle, your budget, and your individual circumstances. Comprehensive coverage helps protect your vehicle against non-collision incidents like theft, vandalism, or natural disasters. Collision coverage helps cover damages resulting from collisions. Evaluate your needs and consider the overall value of your vehicle when deciding on these coverages.
Are there any specific considerations for insuring a 2008 Jeep Commander with high mileage?
Insuring a 2008 Jeep Commander with high mileage may impact the insurance rates. High mileage could indicate more wear and tear on the vehicle, potentially increasing the risk of mechanical issues or accidents. Insurance providers may consider this when calculating your premiums. It’s important to disclose the accurate mileage to your insurance company when obtaining a quote.
Can I get a discount on my insurance rates if I am a member of an automobile club or organization?
It’s possible to receive a discount on your insurance rates if you are a member of certain automobile clubs or organizations. Some insurance providers offer discounts for affiliations with organizations like AAA (American Automobile Association) or AARP (formerly known as the American Association of Retired Persons). Check with your insurance provider to see if they offer any such discounts.
Can I lower my insurance rates for a 2008 Jeep Commander by taking a defensive driving course?
Taking a defensive driving course can potentially help lower your insurance rates. Some insurance companies offer discounts to drivers who have completed an approved defensive driving course. These courses can improve your driving skills, reduce the likelihood of accidents, and demonstrate your commitment to safe driving. Contact your insurance provider to inquire about any available discounts for completing such courses.
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