Best Jeep Commander Insurance in New Orleans

Anyone knows that insurance companies don’t want policyholders to shop around. Drivers who compare rates annually will presumably buy a different policy because there are good odds of finding good coverage at a lower price. A survey found that consumers who shopped around saved as much as $860 a year compared to drivers who never shopped around.

If finding the best price on insurance in New Orleans is why you’re here, then having a grasp of the best way to shop and compare insurance rates can save time and money.

Insurance quote for Jeep Commander in New OrleansThe best way to get low-cost car insurance rates is to regularly compare quotes from providers who provide auto insurance in New Orleans.

One tip to remember is that you use the same deductibles and limits on each quote and and to get prices from every company you can. Doing this guarantees an accurate price comparison and a complete rate analysis.

If you already have coverage or just want a better rate, take advantage of these tips to save money and possibly find even better coverage. Locating the most cost-effective auto insurance policy in New Orleans can initially seem challenging. Drivers only need an understanding of the least time-consuming way to buy auto insurance on the web.

Low Cost companies for Jeep Commander insurance in Louisiana

The companies shown below can provide comparison quotes in Louisiana. If you wish to find cheap auto insurance in New Orleans, it’s a good idea that you visit several of them to get the best price comparison.

Coverage statistics and figures

The rate table shown next showcases detailed analysis of insurance costs for Jeep Commander models. Learning as much as possible about how insurance policy rates are figured can help guide drivers when making decisions on the best policy to buy.

Jeep Commander Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $398 $696 $562 $34 $168 $1,858 $155
Commander Sport 4WD $398 $820 $562 $34 $168 $1,982 $165
Commander Limited 2WD $442 $820 $562 $34 $168 $2,026 $169
Commander Limited 4WD $442 $820 $562 $34 $168 $2,026 $169
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can affect insurance rates substantially.

Higher deductibles save money

A question often asked by New Orleans drivers is how high should the physical damage coverage deductibles be. The rates below can help you visualize the costs and benefits between low and high insurance deductibles. The first rate quote example uses a $250 physical damage deductible and the second rate table uses a $1,000 deductible.

Jeep Commander insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $406 $604 $464 $28 $140 $1,667 $139
Commander Sport 4WD $406 $712 $464 $28 $140 $1,775 $148
Commander Limited 2WD $452 $712 $464 $28 $140 $1,821 $152
Commander Limited 4WD $452 $712 $464 $28 $140 $1,821 $152
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Jeep Commander insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Commander Sport 2WD $250 $380 $464 $28 $140 $1,262 $105
Commander Sport 4WD $250 $448 $464 $28 $140 $1,330 $111
Commander Limited 2WD $278 $448 $464 $28 $140 $1,358 $113
Commander Limited 4WD $278 $448 $464 $28 $140 $1,358 $113
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can increase or decrease rates significantly.

Based on this data, using a $250 deductible will cost in the ballpark of $37 more each month or $444 every year across all Jeep Commander models than opting for the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 20 months between claims, you would save more money if you choose the higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $148
Average monthly premium for $1,000 deductibles (subtract): – $111
Monthly savings from raising deductible: $37
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $37
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One important caveat is that raising deductibles means you pay more out-of-pocket at claim time. You need a higher level of savings in the event you have to pay more to get your vehicle repaired.

The example below illustrates how your choice of deductibles and can influence Jeep Commander insurance rates for different age groups. The rates are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

Careless New Orleans drivers pay higher rates

The chart below demonstrates how speeding tickets and fender-benders can affect Jeep Commander auto insurance costs for different age groups. The price estimates are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

Annual premiums for males versus females

The illustration below illustrates the comparison of Jeep Commander car insurance costs for male and female drivers. The rate quotes are based on no accidents or driving violations, full physical damage coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

Discounts can help lower premiums on Jeep Commander insurance in New Orleans

Insurance can cost an arm and a leg, but you may qualify for discounts that you may not even know about. Some trigger automatically when you purchase, but a few must be asked about before being credited.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the whole policy. Some only apply to specific coverage prices like liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, companies wouldn’t make money that way.

The diagram below shows the difference between Jeep Commander insurance costs with and without discounts applied to the premium. The prices are based on a female driver, no driving violations, no at-fault accidents, Louisiana state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, claim-free, multi-car, and marriage discounts applied.

To find insurers with discount rates in Louisiana, click here to view.

Do I need an agent?

Some consumers still prefer to have an agent’s advice. Good insurance agents will help you protect your assets and help file insurance claims. An additional benefit of comparing insurance online is that drivers can save money and get better rates and also buy local.

For easy comparison, once you complete this simple form, the quote information is emailed to companies in New Orleans that give free quotes for your business. There is no need to search for an agent as quotes are delivered immediately to you. If for some reason you want to quote rates from a specific company, just search and find their rate quote page and submit a quote form there.

Deciding on an insurance company requires you to look at more than just a cheap price quote. Here are some questions you should ask.

Pick the best auto insurance agent in New Orleans for you

If you are searching for a local insurance agency, there are two different types of agencies that you can choose from. New Orleans agents can be categorized as either independent agents or exclusive agents depending on their employer. Either one can sell affordable insurance policies, but it’s a good idea to understand how they are different because it can influence your agent selection.

Exclusive Insurance Agents

These agents are contracted to one company such as American Family, State Farm, and Allstate. These agents are not able to shop your coverage around so they have to upsell other benefits. They are well schooled on the products they sell which helps overcome the inability to quote other rates.

Below are New Orleans exclusive insurance agents that are able to give rate quotes.

4650 General De Gaulle Dr #102New Orleans, LA 70131(504) 392-9300View Map

5638 Jefferson HwyNew Orleans, LA 70123(504) 739-7979View Map

5555 Bullard Ave #104New Orleans, LA 70128(504) 247-9241View Map

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Independent Insurance Agencies

Independent agents can quote rates with many companies and that enables them to quote your coverage with multiple insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, they can switch companies in-house which makes it simple for you. When shopping rates, you will want to include a few independent agents so that you can do a thorough price comparison.

Shown below are New Orleans independent agents who can help you get price quote information.

824 Elmwood Park Blvd #295New Orleans, LA 70123(504) 734-0305View Map

725 Magazine St ENew Orleans, LA 70130(504) 528-9242View Map

145 Robert E Lee Blvd #202New Orleans, LA 70124(504) 486-7441View Map

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Be persistent and save

We covered quite a bit of information on how to reduce Jeep Commander insurance rates online in New Orleans. The key concept to understand is the more you quote New Orleans car insurance, the better likelihood of getting low cost New Orleans car insurance quotes. Consumers could even find that the lowest rates are with the least-expected company. Smaller companies may only write in your state and offer lower auto insurance rates than the large multi-state companies such as GEICO and State Farm.

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced liability coverage limits only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

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