2010 Jeep Compass Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Jeep Compass? Saving money on insurance coverage is always very difficult for beginners to online rate comparisons. People have so many companies to choose from that it can easily turn into a chore to find more affordable insurance coverage rates.

It is always a good idea to compare rates before your policy renews since insurance rates go up and down regularly. If you had the lowest rate on Compass coverage at your last renewal there may be better deals available now. Ignore everything you know about insurance coverage because you’re about to learn the only way to reduce your cost while increasing coverage.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding the best insurance coverage is simple if you know the tricks. But vehicle owners can benefit from knowing how insurance companies determine prices.

Compare insurance coverage rates

To get inexpensive car insurance quotes, there a variety of ways to compare prices from many different insurance companies. The best way to do a complete rate comparison involves getting comparison quotes online. It’s really quite simple and can be done using a couple different methods.

The recommended way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This quick form eliminates the need for a different quote for each price estimate. In just a few minutes this one form compares rates from several companies.It’s the quickest way to get rates.

A more difficult way to find more affordable insurance is to take the time to go to each company’s website and fill out their own quote form. For examples sake, let’s say you want comparison quotes from Progressive, Geico and Travelers. To find out each rate you need to go to every website to enter your coverage information, and that’s why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

The least efficient and most time consuming method to compare price estimates is making phone calls or going to each insurance agency near you. The fact that you can get quotes online can eliminate the need for a local agent unless you want the guidance that can only be provided by a licensed insurance agent. However, consumers can price shop online but have a local agent actually write the policy.

Whichever way you choose to compare rates, make absolute certain that you use nearly identical quote data for each quote you get. If you have different deductibles then you won’t be able to decipher which rate is best. Slightly different insurance coverages may cause a big price difference. And when price shopping your coverage, comparing all the rates in your area will improve the odds of getting the best price. Some smaller insurers to not give quotes online, so you should also compare rates from those companies as well.

More affordable rates by taking advantage of discounts

Some providers do not list every discount they offer in a way that’s easy to find, so the following list contains a few of the more well known and also the more inconspicuous discounts that you may qualify for.

  • Driver’s Education for Students – Require your teen driver to complete a driver education course if it’s offered in school.
  • Low Mileage Discounts – Fewer annual miles on your Jeep could earn slightly better prices than normal.
  • Military Discounts – Being on active duty in the military could mean lower premium rates.
  • E-sign – Some of the larger companies may give you up to $50 for buying your policy digitally online.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up can save 10% or more off the PIP or medical payment premium.
  • Multi-line Discount – Auto insurance companies who offer life insurance give a small discount if you purchase auto and life insurance together.
  • Senior Citizen Discount – If you’re over the age of 55, you may qualify for a small discount on rates on Compass coverage.
  • ABS Braking Discount – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more.
  • Discount for Good Grades – Being a good student can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given the the whole policy. Most cut individual premiums such as comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

Large auto insurance companies and a summarized list of policyholder discounts are:

  • Progressive policyholders can earn discounts including multi-vehicle, online quote discount, continuous coverage, online signing, and multi-policy.
  • AAA discounts include anti-theft, multi-policy, good driver, AAA membership discount, and pay-in-full.
  • Farmers Insurance has discounts for teen driver, good student, homeowner, switch companies, early shopping, and pay in full.
  • Geico offers discounts including emergency military deployment, driver training, good student, federal employee, anti-lock brakes, defensive driver, and anti-theft.
  • Esurance includes discounts for paid-in-full, DriveSense, renters, online quote, Pac-12 alumni, and multi-car.
  • SAFECO offers premium reductions for bundle discounts, drive less, teen safety rewards, anti-theft, and multi-car.
  • State Farm may offer discounts for defensive driving training, driver’s education, multiple policy, anti-theft, good student, and good driver.

If you need lower rates, check with every company what discounts are available to you. Some of the earlier mentioned discounts may not apply in your area. For a list of providers that offer many of these discounts, click here.

How much insurance coverage do I need?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Is my nanny covered when driving my vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I missing any policy discounts?
  • Should I waive the damage coverage when renting a car?
  • What is PIP insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Will my insurance pay for OEM parts?
  • Does my 2010 Jeep Compass qualify for pleasure use?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverage specifics

Knowing the specifics of insurance can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability auto insurance – Liability insurance will cover damage that occurs to other people or property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like attorney fees, pain and suffering, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your 2010 Jeep Compass.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like ambulance fees, chiropractic care, surgery, prosthetic devices and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, fire damage and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – Collision insurance will pay to fix damage to your Compass resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.