2013 Jeep Compass Insurance Quotes – 10 Policy Discounts

Looking for cheaper auto insurance rates for your Jeep Compass? Online price comparisons for low cost car insurance can be complicated if you are one of the many people who have never used online quoting. Don’t let the process intimidate you because it’s actually quite easy.

Consumers should take time to shop coverage around on a regular basis because auto insurance rates trend upward over time. Even if you think you had the best premium rates for Compass insurance a few years ago a different company probably has better prices today. Block out anything you think you know about auto insurance because I’m going to teach you how to quote online to find better rates and still maintain coverage.

The purpose of this post is to teach you how to effectively get price quotes and some money-saving tips. If you currently have a car insurance policy, you will be able to reduce your rates substantially using this strategy. Nevertheless, drivers do need to learn the way companies sell insurance online and use this information to your advantage.

Lower rate quotes by applying these ten discounts

The price of auto insurance can be rather high, but you may find discounts that could help you make your next renewal payment. Certain reductions will be credited at quote time, but a few need to be manually applied prior to getting the savings.

  • Professional Memberships – Having an affiliation with certain professional organizations may earn a discount on your bill.
  • Discount for Home Ownership – Simply owning a home may trigger a policy discount on auto insurance since owning and maintaining a home requires a higher level of personal finance.
  • No Accidents – Insureds who avoid accidents and claims get the best auto insurance rates compared to frequent claim filers.
  • Multi-line Discount – Companies who offer life insurance give better auto insurancerates if you take out life insurance from them.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Switch and Save Discount – A few companies offer discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
  • Save with More Vehicles Insured – Buying a policy with multiple cars on one policy qualifies for this discount.
  • Senior Citizen Discount – Drivers over the age of 55 may receive a small decrease in premiums for Compass insurance.
  • Resident Student – Children who live away from home to go to college and leave their car at home may be insured at a cheaper rate.

As a footnote on discounts, most discount credits are not given the the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it appears all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

If you would like to choose from a list of providers with the best discounts, click here to view.

Your car insurance coverage should be tailored to you

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

For example, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Do I need more liability coverage?
  • Which companies will insure high-risk drivers?
  • Are rock chip repairs covered?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered when driving on a suspended license?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need an umbrella policy?
  • Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Beware of misleading car insurance ads

Companies like Allstate and Progressive regularly use ads in print and on television. They all seem to tend to make the same promise that drivers will save a bundle after switching your coverage. But how can every company charge you a lower premium? Here is the trick they use.

Insurance providers have strict underwriting profiles for the type of customer that earns them a profit. One example of this type of driver could be over the age of 35, has a clear driving record, and has a short commute. A driver that hits that “sweet spot” will get the preferred auto insurance rates and will probably save some money.

Potential customers who don’t measure up to those standards will be charged higher rates and the customer buying from someone else. If you listen to the ad wording, they say “customers that switch” not “everybody who quotes” will save that much if they switch. This is how companies can truthfully make those claims.

Each company has different criteria, so drivers must compare price quotes frequently. Because without a comparison, you cannot know which insurance companies will fit you best based on your risk profile.

Specific coverages for a 2013 Jeep Compass

Knowing the specifics of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as falling objects, damage from getting keyed and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Jeep Compass.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for bills for things like prosthetic devices, nursing services, hospital visits, EMT expenses and funeral costs. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability insurance – Liability coverage provides protection from damage that occurs to a person or their property. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like legal defense fees, medical expenses, funeral expenses, court costs and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a ditch, sideswiping another vehicle, backing into a parked car, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

In Summary

People who switch companies do it for many reasons like questionable increases in premium, delays in responding to claim requests, unfair underwriting practices and delays in paying claims. No matter why you want to switch, finding a new company can be less work than you think.

As you shop your coverage around, never skimp on coverage in order to save money. In many cases, an insured cut liability limits or collision coverage only to discover later that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage for the lowest price, but don’t skip important coverages to save money.

Cheap 2013 Jeep Compass insurance is definitely available both online in addition to local insurance agencies, so you need to shop car insurance with both so you have a total pricing picture. There are still a few companies who may not offer the ability to get a quote online and usually these small, regional companies provide coverage only through independent insurance agents.

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