2009 Jeep Compass Car Insurance Quotes – 8 Tricks for Cheapest Rates

Looking for the cheapest car insurance rates for your Jeep Compass? Are you burned out from wondering where the money will come from to pay car insurance each month? Your situation is no different than many other drivers.

Because there are so many different company options, it is very difficult to find the best insurance company.

Buying car insurance is not that difficult. Basically, every driver who shops for insurance coverage will more than likely be able to find better rates. Nevertheless, car owners must know the methods companies use to market on the web and use this information to your advantage.

Lower rate quotes with these eight discounts

Insuring your fleet can be pricey, but you might already qualify for some discounts that you may not know about. Some of these disounts will be visible when you get a quote, but less common discounts must be asked about in order for you to get them.

  • ABS Braking Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Life Insurance – Some insurance coverage companies give better insurance coveragerates if you take out some life insurance too.
  • Cautious Driver Discounts – Safe drivers could pay up to 40% less for Compass coverage than less cautious drivers.
  • Claim-Free Discount – Insureds who avoid accidents and claims are rewarded with significantly better rates on auto insurance quote when compared to accident-prone drivers.
  • Student Discounts – Performing well in school may save as much as 25% on a auto insurance quote. The discount lasts until age 25.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in school.
  • Active Service Discounts – Having a deployed family member could qualify you for better premium rates.

Keep in mind that most discounts do not apply to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. Even though it appears it’s possible to get free car insurance, nobody gets a free ride.

If you would like to view providers that offer some of these discounts, click here to view.

What is the best insurance coverage?

When buying adequate coverage, there really is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out if your situation would benefit from professional advice.

  • Which is better, split liability limits or combined limits?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I missing any policy discounts?
  • Am I covered when driving on a suspended license?
  • What companies insure drivers after a DUI or DWI?
  • Should I buy additional glass protection?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Are auto insurance companies telling the truth?

Companies like Allstate and Progressive regularly use ads on television and other media. They all seem to say the same thing about saving some big amount if you move your policy. How can each company offer you a better deal? Just pay attention to how they say it.

All the different companies look for specific characteristics for the type of driver that earns them the most money. For instance, this type of driver might be between the ages of 30 and 45, is a homeowner, and drives a safe vehicle. A customer getting a price quote who meets those qualifications will get the preferred car insurance rates and will also save money with a new company.

People who do not match those criteria may receive a higher premium which usually ends up with business not being written. The ads state “people who switch” not “all people who quote” save money. That’s why insurance companies can confidently lure you into getting a quote. That is why drivers must compare rate quotes every year. It’s not possible to predict which auto insurance company will have better premium rates than you’re paying now.

Car insurance coverage breakdown

Learning about specific coverages of your policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on most car insurance policies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses for chiropractic care, hospital visits, rehabilitation expenses and nursing services. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your 2009 Jeep Compass.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, theft, falling objects, hitting a bird and damage from a tornado or hurricane. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability

Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims such as attorney fees, pain and suffering, bail bonds, funeral expenses and repair costs for stationary objects. How much coverage you buy is up to you, but buy higher limits if possible.

Save your hard earned cash

When searching for the cheapest auto insurance quotes, it’s very important that you do not buy poor coverage just to save money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to find out that the savings was not a smart move. The proper strategy is to find the BEST coverage for the lowest cost while still protecting your assets.

We just covered some good ideas how to get a better price on 2009 Jeep Compass insurance. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a small local company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

Even more information is available at these sites: