Compare Jeep Commander Insurance Quotes in Anchorage

The best way to get affordable auto insurance rates in Anchorage is to make a habit of comparing prices annually from insurance carriers who provide auto insurance in Alaska.

Step 1: Spend a few minutes and learn about how companies set rates and the measures you can take to prevent high rates. Many factors that cause rate increases such as high-risk driving behaviors and bad credit can be rectified by making minor driving habit or lifestyle changes.

Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from a single company like GEICO or State Farm, while agents who are independent can quote rates for many different companies. Compare rates now

Step 3: Compare the new rates to your existing rates to see if switching to a new carrier will save money. If you find a better price and change companies, make sure there is no coverage gap between policies.

Step 4: Provide proper notification to your current company of your intent to cancel your current auto insurance policy and submit the signed application along with the required initial payment for your new policy. Be sure to place your new certificate verifying coverage with your registration paperwork.

The critical component of shopping around is that you use the same physical damage deductibles and liability limits on each price quote and and to get prices from as many companies as feasibly possible. Doing this enables a fair rate comparison and the best price selection.

Statistics show that most consumers in Alaska have purchased from the same company for at least four years, and almost 40% of drivers have never compared auto insurance rates at all. The average driver in the United States could pocket $860 a year just by shopping around, but most just don’t grasp how much money they would save if they moved their coverage to a different company.

Finding affordable coverage in Anchorage is quite easy if you know the best way to do it. If you are insured now, you stand a good chance to be able to lower your rates using the concepts covered in this article. Comparison shoppers only have to learn the proper methods to get comparison rates over the internet.

The cheapest Anchorage Jeep Commander insurance quotes online

The companies in the list below have been selected to offer quotes in Alaska. To buy the best auto insurance in Anchorage, we recommend you visit two to three different companies to get the most affordable price.

Insurance coverage analysis

The rate information displayed below highlights a range of insurance premium costs for Jeep Commander models. Having a good understanding how rate quotes are established can be useful when making smart policy decisions.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Alaska minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Information does not factor in specific Anchorage garaging location which can raise or lower prices considerably.

Choosing deductibles

One frequently asked question is which deductible level should you buy. The tables below may help to conceptualize the difference in cost between high and low physical damage coverage deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise prices noticeably.

Based on this data, using a $250 deductible will cost you roughly $13 more each month or $156 every year than buying the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 19 months between claim filings, you would probably save some money by selecting a higher deductible.

Violations and accidents raise rates

The chart below highlights how speeding tickets and at-fault fender-benders drive up Jeep Commander premium costs for different ages of insureds. The prices are based on a married male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

Jeep Commander liability-only versus full coverage

The example below illustrates the comparison of Jeep Commander insurance costs with full coverage and liability only. The rate quotes are based on a clean driving record, no claims, $500 deductibles, single status, and no discounts are factored in.

When to drop comprehensive and collision coverage

There is no definitive guideline to delete comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s say your Jeep Commander settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after paying your deductible. If you are paying in excess of $400 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some cases where buying only liability insurance is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Why car insurance is not optional

Despite the high cost of buying insurance for a Jeep Commander in Anchorage, buying car insurance is required for several reasons.

First, the majority of states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance if you don’t want to risk a ticket. In Alaska these limits are 50/100/25 which means you must have $50,000 of bodily injury coverage per person, $100,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your Commander has a loan, most lenders will require that you have comprehensive coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the lender may insure your Jeep at a much higher premium rate and make you pay for it.

Third, insurance safeguards not only your vehicle but also your financial assets. It will also reimburse you for most medical and hospital costs for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay to defend you if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of carrying adequate insurance definitely exceed the cost, particularly for liability claims. The average driver in Alaska is overpaying more than $825 a year so it’s very important to do a rate comparison at least once a year to ensure rates are competitive.

How Insurance Companies Determine Jeep Commander Insurance Costs

Many different elements are considered when you get your auto insurance bill. Some of the criteria are obvious like your driving record, although others are more obscure such as your marital status or your financial responsibility.

• Your address can affect prices – Residing in a rural area has definite advantages when it comes to insurance. People in densely populated areas have to deal with traffic congestion and more severe claims. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft.

• With age comes lower rates – Mature drivers have been proven to be more responsible, file fewer claims, and tend to be get fewer driving tickets. Teen drivers are known to be careless and easily distracted in a vehicle so insurance rates are higher.

  The next chart uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

• Prices are impacted by vehicle performance – The type of vehicle you need to insure makes a substantial difference in your car insurance bill. The lowest performance passenger cars normally have pretty low rates, but the cost you end up paying is determined by many additional factors.

  The data below uses these variables: married male driver age 50, full coverage with $250 deductibles, and no discounts or violations. It shows Jeep Commander policy rates compared to other models that have a range of performances.

• Don’t skimp on liability – Liability insurance is the protection if ever you are ruled to be at fault for causing personal injury or damage in an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability insurance is pretty cheap as compared to coverage for physical damage, so do not skimp.

• Gender impacts premiums – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that females are better at driving than males. Men and women tend to get into accidents in similar numbers, but guys cause more damage and cost insurance companies more money. They also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Young males tend to get in the most accidents and therefore pay the highest rates.

  The example below compares Jeep Commander insurance rates for male and female drivers. The information is based on no driving violations, no at-fault accidents, full coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.

• Your stress level may be raising your rates – Did you know your career choice can influence rates? Jobs such as fire fighters, business owners, and financial analysts are shown to have higher average rates attributed to intense work-related stress and incredibly demanding work hours. Conversely, occupations such as farmers, engineers and the unemployed pay the least.
• No policy lapses saves money – Driving without insurance is a big no-no and as a result your rates will increase for letting your coverage lapse. In addition to paying higher premiums, failure to provide proof of insurance could result in a steep fine or even jail time.

Which auto insurance company is best in Alaska?

Picking the right company is hard considering how many different insurance companies sell coverage in Alaska. The company information shown next could help you pick which car insurance companies to look at when shopping your coverage around.

Top 10 Anchorage Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. The General
5. State Farm
6. AAA Insurance
7. Allstate
8. Esurance
9. Safeco
10. 21st Century

Top 10 Anchorage Car Insurance Companies Ranked by Customer Service

1. State Farm
2. GEICO
3. The Hartford
4. Progressive
5. The General
6. Allstate
7. American Family
8. AAA Insurance
9. Liberty Mutual
10. Farmers Insurance

Quote more and you will save more

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your goal is to buy enough coverage for the lowest cost.

We just presented some good ideas how you can compare Jeep Commander insurance prices in Anchorage. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the most savings is with the least-expected company. Some small companies often have lower rates on specific markets than their larger competitors like Allstate, GEICO and Progressive.

Additional information

• Red Light Cameras (State Farm)
• How Much is Anchorage Auto Insurance for a Kia Forte? (FAQ)
• How Much is Auto Insurance for Drivers with a Bad Driving Record in Anchorage? (FAQ)
• Who Has Affordable Car Insurance Rates for a 20 Year Old Female in Anchorage? (FAQ)
• How Much are Anchorage Car Insurance Quotes for a Honda Civic? (FAQ)
• Side Impact Crash Tests (iihs.org)
• Young Drivers: The High Risk Years Video (iihs.org)
• Collision Insurance Coverage (Nationwide)