2016 Jeep Compass Insurance Quotes – 9 Tips to Save

Searching for better insurance prices for your Jeep Compass can turn out to be an all-consuming task, but you can learn our insurance buying tips to make it easier. There are both good and bad ways to shop for insurance so we’re going to tell you the quickest way to get price quotes for your Jeep and find the cheapest rates either online or from local insurance agents.

Smart consumers take time to quote other rates before your policy renews because prices are constantly changing. Even if you got the best deal for Compass insurance two years ago you can probably find a better premium rate now. Block out anything you think you know about insurance because you’re about to find out the best methods to get good coverage at a lower rate.

If you have a policy now or are looking for a new policy, you can use these techniques to shop for the lowest rates while maintaining coverages. Locating cheaper coverage is easy if you know what you’re doing. Consumers just need to learn the proper methods to shop over the internet.

Don’t overlook these nine car insurance discounts

Car insurance is not cheap, but you may find discounts that many consumers don’t even know exist. Many discounts should be triggered when you complete an application, but some discounts are required to be asked for before you will receive the discount.

  • Good Student Discount – Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school.
  • Multiple Vehicles – Drivers who insure several vehicles on one policy can reduce the rates for all insured vehicles.
  • ABS Braking Discount – Vehicles with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.
  • Distant Student Discount – Any of your kids who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
  • Multi-line Discount – Select insurance carriers reward you with a discount if you purchase a life insurance policy as well.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Paper-free Discount – Many car insurance companies may give you up to $50 shop auto insurance online.
  • One Accident Forgiven – Not necessarily a discount, but certain companies will let one accident slide before they charge you more for coverage if you have no claims prior to being involved in the accident.

You can save money using discounts, but most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. Despite the appearance that you could get a free car insurance policy, you won’t be that lucky.

A few of the larger companies and a selection of discounts can be found below.

  • Esurance may offer discounts for emergency road assistance, good driver, paid-in-full, Switch & Save, and defensive driver.
  • The Hartford has savings for vehicle fuel type, air bag, defensive driver, anti-theft, and good student.
  • AAA policyholders can earn discounts including multi-policy, education and occupation, multi-car, pay-in-full, and good student.
  • GEICO offers premium reductions for multi-policy, anti-theft, emergency military deployment, multi-vehicle, anti-lock brakes, daytime running lights, and defensive driver.
  • State Farm discounts include passive restraint, good driver, accident-free, defensive driving training, anti-theft, and Steer Clear safe driver discount.

If you need lower rates, check with all the companies which discounts you may be entitled to. Depending on the company, some discounts may not be offered in your area. To choose providers that have a full spectrum of discounts, click here.

The easiest way to get policy rate comparisons is to know most insurance companies will pay a fee to quote your coverage. To get started, all you need to do is give them some information including the ages of drivers, how many miles driven, whether you are single or married, and your education level. The data is then submitted to multiple different insurance companies and you will get price comparisons within a short period of time.

If you would like to start a quote now, click here and enter your zip code.

When to get professional advice

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that can aid in determining if your situation could use an agent’s help.

  • Do I need an umbrella policy?
  • Do I need PIP coverage since I have good health insurance?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage when making deliveries for my home business?
  • What is UM/UIM insurance?
  • How much can I save by bundling my policies?
  • Should I drop comprehensive coverage on older vehicles?
  • I have health insurance so do I need medical payments coverage?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Coverages available on your car insurance policy

Understanding the coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Jeep Compass.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Coverage for liability

This can cover damage or injury you incur to a person or their property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like pain and suffering, medical expenses, loss of income, funeral expenses and attorney fees. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for things like dental work, X-ray expenses, chiropractic care and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, vandalism, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage will pay to fix damage to your Compass from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a building, sideswiping another vehicle, hitting a mailbox, backing into a parked car and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Knowledge is power

Low-cost 2016 Jeep Compass insurance is available from both online companies in addition to many insurance agents, so you should compare both to have the best rate selection. Some insurance providers may not offer internet price quotes and many times these regional carriers prefer to sell through independent insurance agents.

Throughout this article, we presented some good ideas how to compare 2016 Jeep Compass insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the best price on insurance is with a smaller regional carrier.

Consumers change insurance companies for a variety of reasons including unfair underwriting practices, delays in paying claims, high rates after DUI convictions and policy cancellation. Regardless of your reason, finding the right insurance provider is less work than it seems.

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