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.
The best way to get low-cost car insurance rates is to regularly compare quotes from providers who provide auto insurance in New Orleans.
- First, gain an understanding of how car insurance works and the measures you can take to prevent expensive coverage. Many things that cause rate increases such as tickets, at-fault accidents, and your credit history can be controlled by making minor changes to your lifestyle.
- Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Allstate, while independent agents can quote prices from multiple companies.
- Third, compare the new rate quotes to the premium of your current policy to see if a cheaper price is available in New Orleans. If you find better rates and decide to switch, make sure coverage is continuous and does not lapse.
- Fourth, tell your current company of your decision to cancel your current car insurance policy and submit the application along with any required down payment to the new company. Once the paperwork is finalized, safely store the proof of insurance certificate with your vehicle’s registration.
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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.
- Organization Discounts – Being a member of certain professional organizations may earn a discount on your bill.
- Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
- Multi-car Discount – Buying a policy with multiple vehicles on one policy can get a discount on all vehicles.
- Full Payment Discount – By paying your policy upfront instead of making monthly payments you may have a lower total premium amount.
- Paper-free Discount – Some companies will give you a small discount for completing your application on your computer.
- Distant Student – Kids who are attending college and don’t have a car could get you a discount.
- Lower Rates for Military – Having an actively deployed family member could qualify you for better premium rates.
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.
- Is the agent CPCU or CIC certified?
- How will an accident affect your rates?
- If you raise deductibles, how much can you save?
- Do you qualify for any additional discounts?
- Will you work with the agent or an assistant?
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.
Randy Bordlee – State Farm Insurance Agent
4650 General De Gaulle Dr #102 – New Orleans, LA 70131 – (504) 392-9300 – View Map
State Farm – Mia DeLouise
5638 Jefferson Hwy – New Orleans, LA 70123 – (504) 739-7979 – View Map
Derek Morel – State Farm Insurance Agent
5555 Bullard Ave #104 – New Orleans, LA 70128 – (504) 247-9241 – View Map
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.
Bob Swanson Insurance
824 Elmwood Park Blvd #295 – New Orleans, LA 70123 – (504) 734-0305 – View Map
Southern Insurance Agency, LLC
725 Magazine St E – New Orleans, LA 70130 – (504) 528-9242 – View Map
Pappalardo Agency, Inc.
145 Robert E Lee Blvd #202 – New Orleans, LA 70124 – (504) 486-7441 – View Map
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.
More tips and info about car insurance is available in these articles:
- Vehicle Insurance (Wikipedia)
- Who Has the Cheapest New Orleans Car Insurance Rates for a Learners Permit? (FAQ)
- What Car Insurance is Cheapest for Single Moms in New Orleans? (FAQ)
- What Car Insurance is Cheapest for a Nissan Altima in New Orleans? (FAQ)
- Who Has Cheap Car Insurance for Inexperienced Drivers in New Orleans? (FAQ)
- Who Has the Cheapest Auto Insurance for a Toyota Tacoma in New Orleans? (FAQ)
- Get the Right Protection (InsureUonline.org)
- Auto Theft Statistics (Insurance Information Institute)
- Collision Insurance Coverage (Nationwide)