Want to save money and find cheaper insurance rates in Houston, TX? Houston drivers have many options when trying to find the best price on Jeep Commander insurance. You can either waste hours contacting agents to compare prices or utilize the internet to get rate quotes.
There are more efficient ways to find insurance online and you need to know the quickest way to compare rates for a Jeep and obtain the cheapest rates from both online companies and Houston agents.
Cheapest auto insurance in Houston, TX
The auto insurance companies shown below offer free quotes in Texas. If more than one company is shown, we recommend you visit several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $336 | $544 | $392 | $24 | $118 | $1,414 | $118 |
| Commander Sport 4WD | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| Commander Limited 2WD | $422 | $584 | $500 | $30 | $150 | $1,686 | $141 |
| Commander Limited 4WD | $422 | $584 | $500 | $30 | $150 | $1,686 | $141 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in specific Houston garaging location which can impact premiums substantially.
Raise deductibles and save
One frequently asked question is where should you set your physical damage deductibles. The comparisons below can help illustrate the differences in premium rates when you buy lower versus higher policy deductibles. The first rate table 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 | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| Commander Sport 4WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Commander Limited 2WD | $370 | $584 | $382 | $22 | $114 | $1,497 | $125 |
| Commander Limited 4WD | $370 | $584 | $382 | $22 | $114 | $1,497 | $125 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $206 | $312 | $382 | $22 | $114 | $1,036 | $86 |
| Commander Sport 4WD | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Commander Limited 2WD | $228 | $368 | $382 | $22 | $114 | $1,114 | $93 |
| Commander Limited 4WD | $228 | $368 | $382 | $22 | $114 | $1,114 | $93 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase auto insurance rates considerably.
Based on the data above, we can derive that using a $250 deductible costs an average of $31 more each month or $372 each year than choosing the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 24 months between claims, you would save more money if you elect the higher deductible. Here’s the way this calculation is made.
| Average monthly premium for $250 deductibles: | $122 |
| Average monthly premium for $1,000 deductibles (subtract): | – $91 |
| Monthly savings from raising deductible: | $31 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $31 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 24 months |
Choosing deductibles
The information below shows how choosing a deductible and can influence Jeep Commander premium costs for different age groups of insureds. The premiums are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Get discounts on Houston car insurance
Companies don’t always publicize every possible discount very well, so we break down some of the best known and the more hidden ways to save on car insurance.
- Discount for Swiching Early – Select companies give a discount for switching policies prior to the expiration date on your current Commander insurance policy. This can save 10% or more.
- Discount for Low Mileage – Low mileage vehicles could earn lower prices due to less chance of an accident.
- Pay Upfront and Save – By paying your policy upfront rather than paying in monthly installments you can avoid the installment charge.
- Clubs and Organizations – Having an affiliation with a professional or civic organization may earn a discount on your next renewal.
- Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education in high school.
- Distant Student Discount – Older children who are attending college and leave their car at home could get you a discount.
- Safety Restraint Discount – Drivers who require all occupants to fasten their seat belts may be able to save a few bucks off PIP or medical payments premium.
- Passive Restraint Discount – Factory air bags or automatic seat belts can receive discounts of 25 to 30%.
It’s important to understand that most credits do not apply to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.
A few companies that may have some of the above discounts include:
- GEICO
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
- SAFECO
- Progressive
- USAA
If you need lower rates, check with all the companies which discounts they offer. Some discounts may not be available in every state. If you would like to see a list of insurers that offer some of these discounts in Texas, click here.
Which policy gives me the best coverage?
When it comes to buying a policy, there is no one-size-fits-all type of policy. Every situation is different so this has to be addressed. These are some specific questions may help you determine whether your personal situation may require specific advice.
- What policy terms are available?
- How does medical payments coverage work?
- Does insurance cover tools stolen from my truck?
- Can I get by with minimal medical coverage if I have good health insurance?
- How much underlying liability do I need for an umbrella policy?
- Is my son or daughter covered when driving my car?
- What exactly is covered by my policy?
- Is my camper covered by my car insurance policy?
- Am I covered when using my vehicle for business?
- Does my Jeep Commander need full coverage?
If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.
Car insurance agents can help
A small number of people just want to sit down and talk to an agent and that is a personal choice. Professional agents can make sure you are properly covered and will help you if you have claims. The biggest benefit of getting online price quotes is you may find lower prices and still have a local agent. And providing support for local agents is definitely important in Houston.
For easy comparison, once you complete this quick form, the coverage information is submitted to participating agents in Houston that can provide free Houston auto insurance quotes for your car insurance coverage. It makes it easy because there is no need to contact any agents since price quotes are sent to your email. If you wish to get a price quote from a specific insurance company, you just need to navigate to their website and complete a quote there.
If you would like to find a reliable insurance agency, it’s helpful to know the different types of agents to choose from. Car insurance policy providers are categorized either independent agents or exclusive agents depending on their employer. Both types can write car insurance policies, but it’s good to learn how they differ since it could factor into the type of agent you choose.
Independent Car Insurance Agencies or Brokers
These agents are appointed with more than one company so they can quote policies through many different car insurance companies and find you cheaper rates. If your premiums go up, the business is moved internally and you won’t have to switch agencies.
When shopping rates, you will want to include at least one independent agent for maximum quote selection. Most can insure with small regional insurance companies which can be an advantage.
Featured below is a short list of independent insurance agents in Houston that can possibly get you free car insurance quotes.
- El Dorado Insurance Agency, Inc
3673 Westcenter Dr – Houston, TX 77042 – (800) 221-3386 – View Map - ProTECH Insurance Agency, Inc.
#100, 3120 SW Freeway Service Rd – Houston, TX 77098 – (713) 520-1090 – View Map - Hotchkiss Insurance Agency
13430 Northwest Fwy #600 – Houston, TX 77040 – (713) 956-9800 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive can only place business with one company like State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to provide rate quotes from other companies so they really need to provide good service. These agents are trained well on their products and sales techniques which aids in selling service over price. Many people use the same exclusive agent partially due to the brand name rather than low price.
Shown below are exclusive insurance agencies in Houston that are able to give comparison quotes.
- Felicia Boudreaux – State Farm Insurance Agent
14901 TX-249 #105 – Houston, TX 77086 – (713) 464-2077 – View Map - State Farm: Al Johnson
8121 Broadway St #230 – Houston, TX 77061 – (281) 481-5778 – View Map - Joy Knox State Farm Insurance Agency
1510 Eldridge Pkwy #108 – Houston, TX 77077 – (281) 759-4300 – View Map
Picking the best insurance agent is decision based upon more than just the price. Here are some questions to ask:
- Are they actively involved in the community?
- How many years have they been established?
- Do they have cheaper tiers of coverage?
- Will their companies depreciate repairs to your car based on the mileage?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are there any discounts that you might be missing?
- Do they have any clout with companies to ensure a fair claim settlement?
- Is the agency covered by Errors and Omissions coverage?
Truth in car insurance advertising
Texas consumers can’t get away from ads for the lowest price car insurance by companies like State Farm, Allstate and GEICO. They all have a common claim of big savings just by moving your coverage to them.
How does every car insurance company offer you a better deal on Jeep Commander insurance in Houston? This is the way they can do it.
All the different companies provide the lowest rates for the type of driver that will add to their bottom line. For example, a profitable risk profile should be between 25 and 40, insures multiple vehicles, and drives less than 7,500 miles a year. A driver that fits those parameters will probably get cheap premium rates and will probably save some money.
Potential customers who are not a match for these criteria will be charged a higher premium and this results in the customer buying from a different company. The wording the ads use say “customers who switch” but not “all drivers who get quotes” save the amount stated. That is how insurance companies can make those claims.
Because each company has a different risk profile, drivers must get price quotes at each policy renewal. It’s just too difficult to predict the company that will have the lowest rate quotes.
Coverages available on your auto insurance policy
Understanding the coverages of auto insurance can be of help when determining the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. These are typical coverages found on most auto insurance policies.
Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for expenses for things like pain medications, rehabilitation expenses, prosthetic devices and surgery. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Coverage for liability – This protects you from damage that occurs to other’s property or people. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 30/60/25 that translate to a limit of $30,000 per injured person, a limit of $60,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for claims such as legal defense fees, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford. Texas state minimum liability requirements are 30/60/25 but you should think about purchasing higher limits.
Comprehensive coverages – This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things such as rock chips in glass, a tree branch falling on your vehicle and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many Texas drivers only carry the minimum required liability limits (Texas limits are 30/60/25), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Collision coverage – Collision insurance pays for damage to your Commander from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as driving through your garage door, hitting a mailbox, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible on your Commander in order to get cheaper collision rates.
Shop smart and save
Cheaper car insurance in Houston is available both online and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and usually these regional carriers only sell coverage through independent insurance agencies.
You just read a lot of tips how to get a better price on Jeep Commander insurance in Houston. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the biggest savings come from a small local company. They may often insure only within specific states and give better rates than their larger competitors like Allstate or State Farm.
More detailed car insurance information can be read in these articles:
- Auto Insurance Learning Center (State Farm)
- Who Has the Cheapest Car Insurance Rates for 4×4 Vehicles in Houston? (FAQ)
- Who Has Cheap Houston Auto Insurance Quotes for Teenage Females? (FAQ)
- Who Has the Cheapest Houston Auto Insurance for Active Military? (FAQ)
- Who Has Cheap Auto Insurance Rates for Safe Drivers in Houston? (FAQ)
- What Insurance is Cheapest for Seniors in Houston? (FAQ)
- Liability Insurance Coverage (Nationwide)
- What is a Telematics Device? (Allstate)