Save on 2015 Jeep Compass Insurance Cost

Confused by the dozens of insurance coverage choices? Lot’s of other consumers are too. Consumers have so many options available that it can easily become a challenge to compare prices.

If you currently have car insurance, you stand a good chance to be able to save some money using these tips. The purpose of this post is to tell you how to effectively get price quotes. But vehicle owners need to learn how the larger insurance companies market insurance on the web and take advantage of how the system works.

These factors can influence Jeep Compass insurance rates

An important part of buying insurance is that you know some of the elements that help determine the price you pay for car insurance. Understanding what influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The following are some of the factors companies use to determine prices.

  • Frequent car insurance claims increase rates – If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Companies generally give cheaper rates to drivers who file claims infrequently. Auto insurance is intended for larger claims.
  • Theft deterrents lower rates – Owning a car with an alarm system can save you a little every year. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
  • Safe vehicles cost less to insure – Safer cars are cheaper to insure. Safer cars protect occupants better and any reduction in injury severity means lower claim amounts and thus lower rates. If the Jeep Compass scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • No coverage gaps is important – Allowing your coverage to lapse will be a quick way to pay more for car insurance. And not only will your rates increase, getting caught without coverage might get you a revoked license or a big fine.
  • Don’t buy coverages you don’t need – There are quite a few add-on coverages that can waste your money when buying car insurance. Things like vanishing deductibles, accident forgiveness and motor club memberships are some examples. These may sound like a good investment initially, but if you don’t need them remove them from your policy.
  • Where you live is a factor – Living in a rural area can save you money when talking about car insurance. Fewer drivers means fewer accidents as well as less vandalism and auto theft. Urban drivers have traffic congestion and longer commute times. More time commuting means higher likelihood of an accident.

Lots of discounts mean lots of savings

Companies offering auto insurance don’t always publicize all their discounts in a way that’s easy to find, so here is a list some of the best known as well as the least known ways to save on car insurance.

  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Student in College – Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more on Compass coverage than less cautious drivers.
  • Paperless Signup – Some insurance companies give back up to $50 simply for signing on their website.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Accident Free – Drivers with accident-free driving histories pay much less when compared to frequent claim filers.
  • Multiple Vehicles – Insuring multiple vehicles on the same car insurance policy could earn a price break for each car.

Consumers should know that some credits don’t apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

Insurance companies that possibly offer some of the above discounts are:

It’s a good idea to ask each insurance company which discounts they offer. Savings might not be offered in your area.

Situations that might require an agent

When choosing the best insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that can help discover if you might need an agent’s assistance.

  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need to file an SR-22 for a DUI in my state?
  • How does medical payments coverage work?
  • Is my 2015 Jeep Compass covered for smoke damage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Are my friends covered when driving my 2015 Jeep Compass?
  • At what point should I drop full coverage?
  • When should I buy a commercial auto policy?
  • How high should my medical payments coverage be?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverages explained

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like funeral costs, surgery and rehabilitation expenses. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Jeep Compass.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a parking meter, sideswiping another vehicle, hitting a mailbox, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, falling objects, vandalism, a tree branch falling on your vehicle and fire damage. The highest amount 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 not worth carrying full coverage.

Liability car insurance – This can cover damages or injuries you inflict on a person or their property. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as medical expenses, emergency aid and medical services. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Stretch your dollar

We just showed you quite a bit of information on how to save on 2015 Jeep Compass insurance. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the lowest premiums are with the least-expected company.

As you restructure your insurance plan, it’s a bad idea to buy poor coverage just to save money. In many cases, someone dropped uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage for the lowest price while not skimping on critical coverages.

Discount insurance is attainable online and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. Some car insurance companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

More detailed car insurance information is available at these sites: