Do you want to learn to get the cheapest car insurance rates in Memphis, TN? Memphis consumers have options when looking for the lowest priced Jeep Commander insurance. You can either spend your time calling around to get rate comparisons or leverage the internet to compare rates.
There is a better way to find car insurance online so you’re going to learn the proper way to get price quotes on a Jeep and get the lowest possible price from Memphis insurance agents and online providers.
How to compare free Memphis Jeep Commander insurance price quotes
Most major insurance companies give price estimates on their websites. Comparing Jeep Commander insurance rates online doesn’t take a lot of time as all you need to do is type in your personal and coverage information into the form. Behind the scenes, their quoting system will order reports for credit and driving violations and returns a price based on many factors.
The ability to get online price quotes for Jeep Commander insurance in Memphis simplifies rate comparisons, and it is imperative to do this in order to find the lowest insurance rates.
To get comparison pricing now, compare rate quotes from the providers shown below. If you have coverage now, it’s recommended you complete the form with the coverage information identical to your current policy. This guarantees you will have rate comparison quotes for exact coverage.
The companies in the list below offer free rate quotes in Tennessee. To find cheaper auto insurance in Tennessee, we suggest you compare several of them to get the most affordable price.
Jeep Commander insurance rates and statistics
The rate table displayed next highlights different insurance costs for Jeep Commander models. Learning how policy premiums are determined can help guide drivers when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $204 | $304 | $288 | $18 | $86 | $900 | $75 |
| Commander Sport 4WD | $204 | $358 | $288 | $18 | $86 | $954 | $80 |
| Commander Limited 2WD | $228 | $358 | $288 | $18 | $86 | $978 | $82 |
| Commander Limited 4WD | $228 | $358 | $288 | $18 | $86 | $978 | $82 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Prices do not factor in specific Memphis garaging location which can increase or decrease coverage rates considerably.
Physical damage deductibles
The hardest decision when buying coverage is which deductibles should you choose. The tables below help summarize the rate difference when you select higher and lower insurance deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $252 | $376 | $288 | $18 | $86 | $1,045 | $87 |
| Commander Sport 4WD | $252 | $444 | $288 | $18 | $86 | $1,113 | $93 |
| Commander Limited 2WD | $280 | $444 | $288 | $18 | $86 | $1,141 | $95 |
| Commander Limited 4WD | $280 | $444 | $288 | $18 | $86 | $1,141 | $95 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $156 | $236 | $288 | $18 | $86 | $784 | $65 |
| Commander Sport 4WD | $156 | $278 | $288 | $18 | $86 | $826 | $69 |
| Commander Limited 2WD | $174 | $278 | $288 | $18 | $86 | $844 | $70 |
| Commander Limited 4WD | $174 | $278 | $288 | $18 | $86 | $844 | $70 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Table data does not factor in specific zip code location which can raise or lower rates greatly.
Based on this data, using a $250 deductible would cost the average driver about $24 more each month or $288 a year across all Jeep Commander models than choosing 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 normally go at a minimum 31 months between claims, you would more than likely save some money going with the higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $250 deductibles: | $93 |
| Average monthly premium for $1,000 deductibles (subtract): | – $69 |
| Monthly savings from raising deductible: | $24 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $24 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 31 months |
An important sidenote is that raising deductibles results in more money out-of-pocket when you do file a claim. You need to have some available funds in the event you have to pay the higher deductible.
Jeep Commander liability-only versus full coverage
The example below visualizes the comparison of Jeep Commander insurance costs when comparing full coverage to liability only. The data assumes a clean driving record, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
When to drop comp and collision
There is no clear-cut rule that works best for making the decision to drop physical damage coverage, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s say your Jeep Commander book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $7,000 after the policy deductible has been paid. If you are currently paying more than $700 a year to have full coverage, then you might want to consider buying only liability coverage.
There are some scenarios where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not remove full coverage.
What is the best car insurance coverage?
When quoting and choosing the best car insurance coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.
These are some specific questions may help you determine if you will benefit from professional help.
- Am I covered when driving a rental car?
- What is an umbrella policy?
- How can I get my company to pay me more for my totaled car?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Do I need PIP coverage since I have good health insurance?
- Can I afford to buy a different vehicle if my Jeep Commander is totaled?
- When does my teenage driver need to be added to my policy?
- Am I covered if my car is in a flood?
- If I use my vehicle for business use is it covered?
If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.
When to talk to an insurance agent
A small number of people just prefer to buy from a licensed agent and there is nothing wrong with that. Professional insurance agents can point out coverage gaps and help submit paperwork. One of the benefits of comparing rates online is you may find the lowest rates and still choose a local agent. Buying insurance from local agencies is important especially in Memphis.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information is sent to local insurance agents in Memphis who will give you bids for your auto insurance coverage. You won’t even need to even leave your home since rate quotes are delivered to you instantly. In the event you want to quote rates from a specific company, you just need to find their quoting web page and fill out the quote form the provide.
What types of car insurance agents are in Memphis?
If you prefer to buy auto insurance from a good insurance agency, it helps to know the two different agency structures that you can select. Auto insurance agencies are categorized either exclusive or independent (non-exclusive). Either one can properly insure your vehicles, but it is important to understand the differences since it could factor into which agent you choose.
Independent Agencies or Brokers
Independent agents are not employed by any specific company so they have the ability to put coverage with lots of companies and get you the best rates possible. If they find a cheaper price, your agent can just switch to a different company and that require little work on your part.
If you are comparing rate quotes, we recommend you check rates from multiple independent agents to ensure the widest selection of prices. Most also have access to smaller regional carriers that can offer cheaper rates than bigger companies.
Featured below is a short list of independent insurance agencies in Memphis who may provide competitive price quotes.
- Oseman Insurance Agency
6750 Poplar Ave #410 – Memphis, TN 38138 – (901) 562-0151 – View Map - Nationwide Insurance: Clarence Mosley Jr
4132 Elvis Presley Blvd – Memphis, TN 38116 – (901) 346-2550 – View Map - Boyle Insurance Agency, Inc.
5900 Poplar Ave – Memphis, TN 38119 – (901) 766-0200 – View Map
Exclusive Agencies
Exclusive insurance agents write business for a single company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents cannot provide other company’s prices so they really need to provide good service. They receive a lot of sales training on their products and sales techniques and that can be a competitive advantage. Some people will only use the same exclusive agent mostly because of the prominence of the brand and the convenience of having a single billing for all their coverages.
The following is a list of exclusive insurance agencies in Memphis willing to provide price quotes.
- Kevin White – State Farm Insurance Agent
2861 Poplar Ave – Memphis, TN 38111 – (901) 652-8484 – View Map - Mike Fay – State Farm Insurance Agent
6263 Poplar Ave #535 – Memphis, TN 38119 – (901) 682-8700 – View Map - Kacky Kortenber – State Farm Insurance Agent
7900 Winchester Rd Ste 101 – Memphis, TN 38125 – (901) 757-0303 – View Map
Deciding on a auto insurance agent shouldn’t rely on just the price. Before buying a policy in Memphis, get answers to these questions.
- Does the agent have professional designations like CIC, CPCU or AIC?
- Is insurance their full-time profession?
- Will you work with the agent or an assistant?
- Can you get a list of referrals?
- Are they paid to recommend certain coverages?