View 2016 Jeep Compass Insurance Rates

Trying to find cheaper car insurance rates for your Jeep Compass? I can’t think of a single person who loves paying for car insurance, particularly when they could lower their rates if they shopped around. Insurance companies such as Geico, Farmers Insurance and State Farm increase brand awareness with fancy advertisements and it is difficult to ignore the flying pigs and cute green geckos and find the best price available.

If you are insured now or need new coverage, you will benefit by learning to cut your premiums and possibly find even better coverage. Finding the best rates is quite easy. Drivers just need to know the proper methods to compare company rates over the internet.

The quickest method to get policy rate comparisons is to know the fact auto insurance companies provide online access to give rate comparisons. To start a quote, the only thing you need to do is provide a small amount of information such as any included safety features, whether you are single or married, if you have an active license, and deductibles desired. The data is instantly sent to many of the top insurers and you will receive price estimates immediately.

To start a quote now, click here and enter the information requested.

Save $449 a year. For real?

Drivers can’t get away from all the ads that claim the lowest premium rates by companies like Progressive, Geico, Allstate and State Farm. All the ads try to convey promises that you can save just by moving to their company.

How does every insurance coverage company sell you cheaper insurance coverage? This is how they do it.

All companies quote their cheapest rates for a prospective insured that is profitable for them. An example of a driver they prefer should be between 25 and 40, has no prior claims, and the vehicle is rated for pleasure use. Any customer who fits that profile gets the lowest rates and will most likely save quite a bit of money when switching.

Drivers who are not a match for this ideal profile must pay higher rates with the end result being the driver buying from a lower-cost company. The wording the ads use say “customers that switch” not “everyone that quotes” can get the lowest rates when switching. That’s why companies can advertise the savings.

Because every company is different, it is so important to compare price quotes frequently. Because you never know which insurance companies will have the lowest rates for your situation.

Get lower-cost rates by earning discounts

Companies do not advertise all possible discounts in a way that’s easy to find, so we break down both the well known as well as some of the hidden discounts you could be receiving when you buy car insurance online.

  • ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
  • Resident Student – who are enrolled in higher education away from home and do not have a car may qualify for this discount.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on Compass coverage but check with your company.
  • Use Seat Belts – Forcing all vehicle occupants to wear their seat belts can save a little off the PIP or medical payment premium.
  • Good Students Pay Less – Excelling in school can save 20 to 25%. Most companies allow this discount well after school through age 25.
  • Drivers Education – It’s a good idea to have your young drivers take driver’s ed class as it will make them better drivers and lower rates.
  • Homeowners Discount – Owning your own home or condo can save a few bucks because of the fact that having a home shows financial diligence.

It’s important to note that some credits don’t apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. Just because you may think you can get free auto insurance, auto insurance companies aren’t that generous.

If you would like to choose from a list of providers that can offer you the previously mentioned discounts, click this link.

Your auto insurance coverage should be tailored to you

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.

  • Does my 2016 Jeep Compass need full coverage?
  • Is extra glass coverage worth it?
  • Am I missing any policy discounts?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I buy more coverage than the required minimum liability coverage?
  • Should I bundle my homeowners policy with my auto?

If you’re not sure about those questions but you know they apply to you then you might want to talk 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 It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are typical coverages found on the average insurance policy.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, rock chips in glass, falling objects, a broken windshield and fire damage. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for expenses for things like dental work, X-ray expenses and prosthetic devices. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, backing into a parked car, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Liability auto insurance – This coverage protects you from damage or injury you incur to other people or property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things like emergency aid, legal defense fees, loss of income and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Be a Smart Shopper

Some insurance companies do not provide price quotes online and usually these smaller companies only sell through independent insurance agents. Cheaper car insurance can be purchased on the web and also from your neighborhood agents, and you need to price shop both to have the best rate selection.

When shopping online for car insurance, you should never reduce needed coverages to save money. In many instances, someone dropped uninsured motorist or liability limits to discover at claim time they didn’t have enough coverage. Your focus should be to buy the best coverage you can find at an affordable rate, but do not sacrifice coverage to save money.

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