Lower Your 2018 Jeep Compass Car Insurance Quotes

Paying for overpriced Jeep Compass insurance can empty your personal savings, especially in this economy. Comparing cost estimates can be a smart way to ensure you are getting the best deal.

Drivers have many insurance companies to buy insurance from, and even though it’s nice to have a selection, having more auto insurance companies makes it harder to adequately compare rates.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. Drivers only need to know the tricks to get comparison quotes over the internet.

The best way to compare car insurance company rates utilizes the fact most of the bigger providers have advanced systems to give rate comparisons. The only thing you need to do is provide details including the ages of drivers, if you lease or own, your occupation, and if you require a SR-22. The data is then sent to multiple companies and they provide comparison quotes almost instantly.

To check rates for your Jeep Compass now, click here and enter your zip code.

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Save with these discounts

Car insurance can cost a lot, but you can get discounts that can dramatically reduce your bill. A few discounts will be applied when you get a quote, but once in a while a discount must be specially asked for before being credited.

  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving can save 10% or more off the PIP or medical payment premium.
  • College Student – Any of your kids who live away from home at college and don’t have a car can receive lower rates.
  • Defensive Driver Discount – Taking part in a safe driver course could cut 5% off your bill and easily recoup the cost of the course.
  • Buy New and Save – Buying a new car model is cheaper since new model year vehicles have better safety ratings.
  • Military Discounts – Having a family member in the military can result in better auto insurance rates.
  • Multiple Cars – Insuring multiple cars or trucks with one company qualifies for this discount.

Discounts save money, but please remember that most discount credits are not given to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will definitely lower your premiums.

Popular auto insurance companies and some of the discounts are detailed below.

  • The Hartford has savings for defensive driver, good student, bundle, anti-theft, and vehicle fuel type.
  • American Family offers discounts for good driver, defensive driver, TimeAway discount, good student, Steer into Savings, bundled insurance, and early bird.
  • Progressive may have discounts that include online signing, multi-vehicle, continuous coverage, multi-policy, online quote discount, good student, and homeowner.
  • Travelers offers discounts including multi-car, hybrid/electric vehicle, multi-policy, continuous insurance, IntelliDrive, and early quote.
  • Farmers Insurance has discounts for multi-car, distant student, homeowner, early shopping, bundle discounts, teen driver, and pay in full.
  • USAA may include discounts for loyalty savings, good student, multi-policy, driver training, and family discount.
  • Liberty Mutual discounts include multi-policy, exclusive group savings, teen driver discount, newly married, good student, and multi-car.

Before you buy a policy, ask every insurance company the best way to save money. Some discounts may not apply to policyholders in your area. To view insurers that provide some of the discounts listed above, click this link.

Special considerations

When it comes to choosing the best insurance coverage coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions may help you determine if your insurance needs might need an agent’s assistance.

  • What is the ISO rating for a 2018 Jeep Compass?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered if I crash into my own garage door?
  • Why do I need rental car insurance?
  • Am I covered when pulling a rental trailer?
  • Can I drive in Mexico and have coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Car insurance coverage specifics

Understanding the coverages of your car insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Jeep Compass.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverages

This provides protection from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as structural damage, court costs, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Auto collision coverage

Collision insurance pays for damage to your Compass resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, backing into a parked car, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills for things like dental work, hospital visits, X-ray expenses, rehabilitation expenses and pain medications. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, theft, damage from a tornado or hurricane and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

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