Compare 2017 Jeep Compass Car Insurance Rates

Trying to find the cheapest insurance coverage rates for your Jeep Compass? Searching for the cheapest insurance for your Jeep Compass could be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to buy insurance coverage so we’re going to tell you the best way to price shop coverage on a Jeep and find the lowest price either online or from local insurance agents.

Four factors that impact insurance costs

Many things are considered when you get a price on insurance. Some factors are common sense like an MVR report, although some other factors are more transparent like where you live and annual miles driven.

The items below are just a few of the factors companies use to determine rates.

  • What’s your car’s IIHS safety rating? – Vehicles with high crash test scores tend to be cheaper to insure. The safest vehicles reduce the chance of injuries and better occupant protection translates into savings for insurance companies and cheaper rates on your policy. If your Jeep has at least four stars on Safercar.gov it may cost less to insure.
  • Additional coverages that may be costing you – There are quite a few optional add-on coverages that you can buy if you don’t pay attention. Coverages for rental car reimbursement, death and dismemberment, and term life insurance are probably not needed. These coverages may sound good when deciding what coverages you need, but your money might be better spent on other coverage so eliminate them to save money.
  • lapses raise rates – Allowing your insurance coverage policy to lapse is a quick way to increase your insurance coverage rates. Not only will rates go up, failure to provide proof of insurance may result in a fine, jail time, or a revoked license. You will then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Where you reside plays a part – Having an address in areas with lower population can save you money when buying insurance coverage. Fewer people means fewer accidents and a lower car theft rate. Drivers who live in large cities have to deal with more road rage incidents and longer commute times. More time behind the wheel can result in more accidents.

Car insurance policy discounts you can’t miss

Properly insuring your vehicles can get expensive, but you might find some hidden discounts to help bring down the price. Many of these discounts will be applied automatically when you get a quote, but once in a while a discount must be inquired about in order for you to get them.

  • Drivers Education – Teen drivers should complete a driver education course in school or through a local driver safety program.
  • Own a Home – Just owning your own home may trigger a policy discount on car insurance because maintaining a house requires a higher level of personal finance.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy a life policy as well.
  • Professional Memberships – Being a member of qualifying clubs or civic groups may earn a discount on your next renewal.
  • Bundle and Save – If you have multiple policies and place coverage with the same company you could earn a discount of over 10 percent off each policy depending on the company.
  • Claim-Free Discount – Insureds with no claims or accidents have much lower rates compared to bad drivers.
  • E-sign Discounts – Some of the larger companies will give a small break simply for signing online.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

Some of the larger companies that possibly offer some of the discounts shown above are:

It’s a good idea to ask each company or agent which discounts you qualify for. Depending on the company, some discounts might not be offered in your area. To choose providers who offer cheap car insurance quotes, follow this link.

Insurance agents can help

When it comes to choosing the right insurance coverage, there isn’t really a one size fits all plan. Each situation is unique.

Here are some questions about coverages that might point out whether you may require specific advice.

  • What is PIP insurance?
  • Why does it cost so much to insure a teen driver?
  • Should I sign the liability waiver when renting a car?
  • How does medical payments coverage work?
  • What is roadside assistance coverage?
  • Who is covered by my policy?
  • Do I have coverage when using my vehicle for my home business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I waive the damage coverage when renting a car?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can help protect your family.

Insurance coverages explained

Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Jeep Compass.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Collision coverage – Collision insurance pays for damage to your Compass resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with another moving vehicle, backing into a parked car, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for bills for things like pain medications, surgery, prosthetic devices, chiropractic care and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability coverages – Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three 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 $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like funeral expenses, attorney fees, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Comprehensive coverage – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, hitting a deer and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

And the best car insurance company is…

Consumers who switch companies do it for a number of reasons such as questionable increases in premium, extreme rates for teen drivers, high prices and poor customer service. Whatever your reason, finding a new company is easier than you think.

The cheapest 2017 Jeep Compass insurance can be purchased online and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not offer online quoting and these small insurance companies sell through independent agents.

When getting auto insurance quotes online, it’s very important that you do not skimp on coverage in order to save money. In too many instances, someone sacrificed collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage at the best cost while still protecting your assets.

Much more information about car insurance can be found below: