If saving money is your primary concern, then the best way to get discount Jeep Commander insurance is to start comparing prices regularly from different companies that sell auto insurance in Santa Ana. This can be done by completing these steps.
First, spend some time learning about policy coverages and the things you can control to prevent expensive coverage. Many policy risk factors that drive up the price such as speeding and an unacceptable credit rating can be remedied by paying attention to minor details.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agents can provide prices from many different companies. Find a Santa Ana insurance agent
Third, compare the new rate quotes to the premium of your current policy and see if you can save money. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
Fourth, give notification to your current company of your decision to cancel your existing policy. Submit a down payment and signed policy application to your new company or agent. Once received, put the certificate verifying coverage in a readily accessible location in your vehicle.
A crucial key to this process is to make sure you enter the same physical damage deductibles and liability limits on each quote and and to get prices from as many auto insurance providers as possible. Doing this helps ensure the most accurate price comparison and a complete rate analysis.
It's easy to assume that insurance companies don't want you to compare rates. Drivers who compare other rates will most likely switch auto insurance companies because there is a good chance of finding good coverage at a lower price. A recent survey discovered that consumers who compared rate quotes regularly saved an average of $3,500 over four years compared to drivers who never shopped around for cheaper prices.
If finding the lowest rates on Jeep Commander insurance in Santa Ana is your target objective, then learning a little about the best way to shop and compare insurance can save time and make the process easier.
Finding quotes for the lowest-priced car insurance in Santa Ana can be fairly easy. In essence, everyone who wants cheaper car insurance will more than likely find a lower-cost policy. But California vehicle owners do need to know how the larger insurance companies compete online because rates fluctuate considerably.
The most recommended method to get policy rate comparisons for Jeep Commander insurance in Santa Ana utilizes the fact most larger insurance companies will pay a fee to provide you with a free rate quote. To get started, all you need to do is give the companies some data like if you have an active license, whether the vehicles are used for commuting, marital status, and the make and model of your vehicles. The data gets sent immediately to many different companies and you will receive price estimates instantly to find the best rate.
To check Jeep Commander insurance prices now, click here then complete the form.
The companies in the list below are ready to provide price quotes in Santa Ana, CA. If more than one company is shown, we recommend you visit several of them to get the best price comparison.
Three main reasons to buy insurance
Despite the high insurance cost for a Jeep Commander in Santa Ana, insurance is a good idea for several reasons.
- The majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance if you drive a vehicle. In California 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 your Jeep Commander has a loan, most banks will make it a condition of the loan that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Jeep at a much higher rate and force you to pay for it.
- Insurance protects both your assets and your Jeep Commander. Insurance will also pay for hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of buying insurance more than offset the price you pay, specifically if you ever have a liability claim. But the average American driver is overpaying more than $865 each year so you should quote rates at least once a year to ensure rates are competitive.
Jeep Commander insurance analysis
The coverage table below covers detailed analysis of insurance prices for Jeep Commander models. Understanding more about how insurance prices are calculated is important for making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $420 | $790 | $534 | $32 | $160 | $1,936 | $161 |
| Commander Sport 4WD | $420 | $930 | $534 | $32 | $160 | $2,076 | $173 |
| Commander Limited 2WD | $468 | $930 | $534 | $32 | $160 | $2,124 | $177 |
| Commander Limited 4WD | $468 | $930 | $534 | $32 | $160 | $2,124 | $177 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rate information does not factor in specific location information which can impact insurance rates considerably.
Policy deductibles
One common question asked by Santa Ana drivers is how high should your deductibles be. The tables below summarize the premium difference between low and high insurance deductibles. The first data set uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Commander Sport 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Commander Limited 2WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Commander Limited 4WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Commander Sport 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Commander Limited 2WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Commander Limited 4WD | $266 | $426 | $442 | $26 | $132 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price information does not factor in vehicle garaging location which can influence prices substantially.
Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $35 more each month or $420 every year averaged for all Commander models than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 21 months between claim filings, you would most likely save money by going with a higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $250 deductibles: | $140 |
| Average monthly premium for $1,000 deductibles (subtract): | - $105 |
| Monthly savings from raising deductible: | $35 |
| Difference between deductibles ($1,000 - $250): | $750 |
| Divide difference by monthly savings: | $750 / $35 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One important note is that a higher deductible level means you pay more out-of-pocket when you have a comprehensive or collision claim. That will force you to have some money saved in order to pay more for the deductible.
The illustration below demonstrates how deductible levels and can influence Jeep Commander insurance premiums for different age groups of insureds. The premiums are based on a married male driver, full coverage, and no additional discounts are factored in.
Poor driving habits will raise your auto insurance rates
The example below illustrates how violations and at-fault accidents raise Jeep Commander auto insurance rates for each age group. The data assumes a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.
Age, gender, and Jeep Commander insurance
The information below shows the comparison of Jeep Commander auto insurance rates for male and female drivers. The data assumes a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.
Santa Ana insurance discounts for a Jeep Commander
Insuring your vehicles can cost a lot, but discounts can save money and there are some available that could drop your premiums quite a bit. Most are applied when you complete an application, but less common discounts must be specially asked for before you will receive the discount.
- Membership in Organizations - Affiliation with certain professional organizations is a good way to get lower rates on your policy.
- Military Discounts - Having a deployed family member can result in better prices.
- Seat Belts Save - Using a seat belt and requiring all passengers to buckle up can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
- Bundled Policy Discount - If you combine your auto and home policies with the same insurance company you could get a discount of up to 20% and get you cheaper Commander insurance.
- Accident Forgiveness Coverage - This one isn't a discount, but some companies like State Farm and Allstate permit an accident without raising rates if you are claim-free prior to the accident.
As is typical with insurance, most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think you can get free auto insurance, companies don't profit that way.
The illustration below visualizes the comparison of Jeep Commander car insurance rates with and without policy discounts. The data assumes a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, marriage, multi-policy, and safe-driver discounts applied.
A list of car insurance companies and their possible discounts are outlined below.
- GEICO includes discounts for defensive driver, good student, anti-lock brakes, military active duty, five-year accident-free, air bags, and multi-vehicle.
- MetLife offers premium reductions for defensive driver, good driver, accident-free, good student, multi-policy, and claim-free.
- State Farm has discounts for Steer Clear safe driver discount, multiple autos, student away at school, driver's education, and good driver.
- Progressive may offer discounts for multi-vehicle, continuous coverage, online quote discount, good student, online signing, multi-policy, and homeowner.
- Mercury Insurance may have discounts that include low natural disaster claims, multi-car, accident-free, multi-policy, good student, and type of vehicle.
- 21st Century may include discounts for homeowners, defensive driver, teen driver, anti-lock brakes, driver training, and theft prevention.
- Allstate has savings for teenSMART discount, senior citizen, anti-theft, early signing, utility vehicle, and premier plus.
If you need lower rates, check with every insurance company which credits you are entitled to. Some of the discounts discussed earlier may not apply to policyholders in Santa Ana.
Compare rates but buy from a local Santa Ana insurance agent
Certain consumers would prefer to visit with an insurance agent and that can be a smart move A nice benefit of getting online price quotes is that drivers can save money and get cheaper prices but also keep your business local. Buying from local agencies is still important in Santa Ana.
By using this quick form, your insurance coverage information is instantly submitted to insurance agents in Santa Ana that give free quotes and help you find cheaper coverage. You never need to find an agent because quoted prices will be sent instantly to you. You can get cheaper car insurance rates AND a local agent. In the event you want to compare prices from a particular provider, just find their quoting web page and complete a quote there.
If you are wanting to find a good Santa Ana insurance agent, you should know the different types of agents and how they work. Agents in Santa Ana are either exclusive agents or independent agents.
Independent Agents
These type of agents do not work for one specific company and that is an advantage because they can write policies with lots of companies and find the cheapest rate. If premiums increase, your agent can switch companies which makes it simple for you. When comparison shopping, we highly recommend that you get insurance quotes from several independent agencies for maximum quote selection. Most can insure with smaller mutual companies that may provide cheaper car insurance rates.
The following is a small list of independent insurance agents in Santa Ana that can possibly get you free price quotes.
- ZIBARA INSURANCE AGENCY, INC.
1700 E Garry Ave #206 - Santa Ana, CA 92705 - (949) 660-8800 - View Map - Roberti's Insurance Agency
2128 N Tustin Ave #B - Santa Ana, CA 92705 - (714) 543-2788 - View Map - CRC Insurance Services Inc
1551 N Tustin Ave # 450 - Santa Ana, CA 92705 - (714) 689-0101 - View Map
Exclusive Agents
These type of agents can only provide one company's prices and some examples include Allstate, Farmers Insurance or State Farm. These agents are not able to compare other company's rates so you need to shop around if the rates are high. Exclusive agencies are well schooled on what they offer which helps them sell on service rather than price. Consumers often choose to use an exclusive agent partially due to the brand name rather than low rates.
Listed below are Santa Ana exclusive agents that can give you rate quotes.
- Farmers Insurance - Maria Guerrero
1647 E First St a - Santa Ana, CA 92701 - (714) 285-0303 - View Map - Jose Gastelum - State Farm Insurance Agent
1780 E McFadden Ave Ste 114 - Santa Ana, CA 92705 - (714) 557-3344 - View Map - Farmers Insurance: Wendy Munoz
2441 N Tustin Ave - Santa Ana, CA 92705 - (714) 550-1100 - View Map
Picking the best insurance agent shouldn't rely on just a cheap price quote. Any agent in Santa Ana should have no problem answering these questions:
- How are claims handled?
- Do they get extra compensation for selling add-on coverages?
- Will the quote change when the policy is issued?
- How many years of experience in personal auto insurance do they have?
- Do you work with a CSR or direct with the agent?
- By raising physical damage deductibles, how much would you save?
If you receive good feedback to your questions and an affordable coverage quote, you have narrowed it down to a car insurance agent that meets your needs to insure your vehicles. Just be aware that once you purchase a policy you can terminate coverage any time you want so don't feel you're contractually obligated to any specific agency for any length of time.
Tailor your auto insurance coverage to you
When quoting and choosing adequate coverage for your vehicles, there really isn't a one size fits all plan. Everyone's needs are different.
For instance, these questions may help highlight whether your personal situation might need an agent's assistance.
- Is my son or daughter covered when driving my car?
- How can I get my company to pay me more for my totaled car?
- Is my nanny covered when transporting my kids?
- Does low annual mileage earn a discount?
- How much cheaper are high deductibles?
- At what point should I drop full coverage?
- What does PIP insurance cover?
- Should I have a commercial auto policy?
- Am I covered if I break a side mirror?
If you're not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.
How to find a good Santa Ana car insurance company
Finding a high-quality company can be challenging considering how many companies there are in Santa Ana. The company information shown below can help you select which insurers to look at shopping prices with.
Top 10 Santa Ana Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Top 10 Santa Ana Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Compare auto insurance rates regularly to save
Drivers who switch companies do it for any number of reasons including denial of a claim, policy non-renewal, delays in responding to claim requests or an unsatisfactory settlement offer. No matter why you want to switch, choosing a new company is pretty simple and you could end up saving a buck or two.
We just showed you a lot of tips how to find affordable Jeep Commander insurance in Santa Ana. The key concept to understand is the more you quote Santa Ana car insurance, the better your chances of lowering your car insurance rates. Drivers may even discover the biggest savings come from the least-expected company.
There are still a few companies who may not have price quotes online and most of the time these small insurance companies sell through local independent agents. Cheaper auto insurance in Santa Ana can be sourced online as well as from insurance agents, and you should be comparing both to get a complete price analysis.
Much more information about auto insurance in California can be found at these links:
- Choosing a Car for Your Teen (State Farm)
- What Insurance is Cheapest for a Learners Permit in Santa Ana? (FAQ)
- What is the Cheapest Auto Insurance in Santa Ana, CA? (FAQ)
- Who Has Affordable Santa Ana Car Insurance Quotes for a Toyota Camry? (FAQ)
- What Insurance is Cheapest for Drivers with Good Credit in Santa Ana? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- Auto Theft Statistics (Insurance Information Institute)