It’s safe to conclude that auto insurance companies don’t want you shop around. Insureds who rate shop once a year are likely to buy a different policy because they stand a good chance of finding a lower-cost company. A recent survey discovered that people who compared price quotes annually saved on average $850 each year compared to policyholders who never compared prices.
If finding the best rates on insurance in Fort Worth is the reason you’re reading this, then understanding how to get free comparison quotes and analyze coverage rates can save time, money, and frustration.
If your goal is the lowest price, then the best way to get more affordable Jeep Commander insurance in Fort Worth is to regularly compare quotes from companies who sell auto insurance in Texas. This can be done by following these guidelines.
First, read about the coverage provided by your policy and the modifications you can make to prevent high rates. Many factors that drive up the price such as traffic tickets, fender benders, and an unacceptable credit history can be remedied by making small lifestyle or driving habit changes. Later in this article we will cover additional ideas to lower rates and get discounts that may be available to you.
Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO or State Farm, while independent agencies can quote prices for a wide range of companies. View companies
Third, compare the new quotes to your current policy to see if cheaper Commander coverage is available in Fort Worth. If you find a lower rate quote, verify that coverage does not lapse between policies.
An essential thing to point out is to use the same amount of coverage on each quote request and and to get rate quotes from as many car insurance companies as possible. Doing this ensures a level playing field and a thorough price selection.
Comparing quotes for the most affordable policy in Fort Worth can be fairly easy. If you have coverage now or want to find a cheaper company, you can use this information to find the best rates without reducing coverage. Vehicle owners just need to understand the most effective way to buy car insurance from many different companies online.
The fastest way that we advise to compare car insurance rates for Jeep Commander insurance in Fort Worth is to realize almost all companies will pay a fee to provide you with free rate quotes. The only thing you need to do is give the companies some data such as the make and model of your vehicles, if your license is active, if it has an anti-theft system, and if you’re married. Those rating factors gets transmitted to many of the top insurers and they return rate quotes within a short period of time.
To check rates for your Jeep Commander now, click here and complete the form.
The providers in the list below have been selected to offer free rate quotes in Fort Worth, TX. If multiple companies are listed, we suggest you visit as many as you can to get the cheapest price.
Rates and detailed analysis
The information shown next covers detailed analysis of rate quotes for Jeep Commander models. Learning more about how auto insurance policy rates are determined can benefit drivers when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $410 | $728 | $514 | $30 | $154 | $1,836 | $153 |
| Commander Sport 4WD | $410 | $858 | $514 | $30 | $154 | $1,966 | $164 |
| Commander Limited 2WD | $458 | $858 | $514 | $30 | $154 | $2,014 | $168 |
| Commander Limited 4WD | $458 | $858 | $514 | $30 | $154 | $2,014 | $168 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price estimates do not factor in Fort Worth location which can lower or raise rates considerably.
Deductible analysis
One of the most common car insurance questions is how high or low should comp and collision deductibles be. The comparisons below may aid in understanding the price difference between low and high comp and collision deductibles. The first data set uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 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 | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Commander Sport 4WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Commander Limited 2WD | $300 | $472 | $382 | $22 | $114 | $1,290 | $108 |
| Commander Limited 4WD | $300 | $472 | $382 | $22 | $114 | $1,290 | $108 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in specific location which can modify coverage rates greatly.
Based on the above data, using a $250 deductible will cost you roughly $17 more each month or $204 a year than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have more than 15 months between claim filings, you would save more money if you choose the higher deductible. Below is an example of how this decision is made.
| Average monthly premium for $250 deductibles: | $122 |
| Average monthly premium for $500 deductibles (subtract): | – $105 |
| Monthly savings from raising deductible: | $17 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $17 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
One important issue to know is that higher deductibles means you will have to pay more out-of-pocket when you file a claim. That will necessitate some savings in the event you need to pay the higher deductible.
Difference between liability only and full coverage rates
The chart below illustrates the difference between Jeep Commander insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are not married, and no other discounts are factored in.
When to drop comprehensive and collision
There isn’t a written rule for excluding comp and collision coverage, but there is a guideline you can use. If the annual cost of coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s pretend your Jeep Commander settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If you are paying over $200 a year for full coverage, then it could be time to drop full coverage.
There are some conditions where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not opt for liability only.
Buying from insurance agents
Many people would prefer to get professional advice from a licensed agent and we recommend doing that Experienced insurance agents can help you choose the best coverages and help you file claims. An additional benefit of comparing auto insurance online is you may find cheap rate quotes but still work with a licensed agent. Putting coverage with local insurance agents is especially important in Fort Worth.
By using this form (opens in new window), the coverage information is immediately sent to companies in Fort Worth who will return price quotes for your coverage. You never need to find an agent since price quotes are sent to you. If you want to compare rates from a particular provider, feel free to go to their quote page and give them your coverage information.
What type of Fort Worth auto insurance agent is right for you?
If you’re trying to find a reliable insurance agency, there are two different types of agencies from which to choose. Auto insurance agents in Fort Worth are classified as either exclusive or independent (non-exclusive). Both types can do a good job, but we need to point out why they differ because it can factor into which type of agent you select.
Independent Agents (or Brokers)
Independent insurance agents are normally appointed by many insurers so they can insure your vehicles through many different auto insurance companies and potentially find a lower price. If they quote lower rates, your agent can just switch to a different company and you won’t have to switch agencies. If you are comparing auto insurance prices, you will definitely want to get quotes from several independent agencies to get the most accurate price comparison.
Shown below is a short list of independent insurance agencies in Fort Worth that can possibly get you free auto insurance quotes.
Rainbow Insurance Agency
2929 Cleburne Rd – Fort Worth, TX 76110 – (817) 922-8031 – View Map
Woods Insurance Agency
2740 Western Center Blvd #504 – Fort Worth, TX 76131 – (817) 232-1580 – View Map
Nationwide Insurance – Curtis Logan Agency
4500 Mercantile Plaza Dr #300 – Fort Worth, TX 76137 – (214) 302-7148 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive write business for a single company like Farmers Insurance and State Farm. Exclusive agents cannot give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. Exclusive agents are highly trained on their company’s products and that can be a competitive advantage.
Shown below are exclusive insurance agents in Fort Worth that can give you rate quotes.
Jerry Yowell – State Farm Insurance Agent
4900 Overton Ridge Blvd Ste 211 – Fort Worth, TX 76132 – (817) 292-5775 – View Map
Tom Price – State Farm Insurance Agent
6015 Harris Pkwy #100 – Fort Worth, TX 76132 – (817) 731-8855 – View Map
Elitha Moses – State Farm Insurance Agent
6620 Meadowbrook Dr – Fort Worth, TX 76112 – (817) 446-0065 – View Map
Selecting an auto insurance agent shouldn’t rely on just the premium amount. Here are some questions you should ask.
- If your car is in the repair shop, do you have coverage for a rental car?
- By raising physical damage deductibles, how much would you save?
- Do the companies they represent have a solid financial rating?
- If you are a high risk driver, do they have special markets for your coverage?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they feel the quoted coverages are adequate?
- Does the agent have a valid license to sell insurance in Texas?