Lower Your 2013 Jeep Compass Car Insurance Rates

No one cherishes buying insurance, particularly when their premiums are through the roof. With consumers having so many companies and agents to choose from, it can be hard to locate the cheapest car insurance company.

It’s smart to do rate comparisons every six months because insurance rates trend upward over time. Even if you think you had the lowest rates on Compass insurance last year other companies may now be cheaper. Don’t believe everything you read about insurance on the internet, so by reading this article, you’re going to learn the best ways to quit paying high insurance rates.

Discounts on Jeep Compass insurance

The cost of insuring your cars can be expensive, buy you may qualify for discounts that many people don’t even know exist. A few discounts will automatically apply when you complete an application, but less common discounts must be specially asked for before you will receive the discount. If you don’t get every credit you deserve, you’re paying more than you need to.

  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Accident Forgiveness – A few companies will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Air Bag Discount – Vehicles equipped with air bags can receive discounts of more than 20%.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on Compass insurance with certain companies.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. This discount can apply up until you turn 25.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • E-sign – A handful of insurance companies will give a small break just for signing your application over the internet.
  • Safe Drivers – Safe drivers may receive a discount up to 45% less on Compass insurance than their less cautious counterparts.
  • No Claims – Claim-free drivers pay less when compared to frequent claim filers.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will bring down the cost of coverage.

Companies that may offer some of the above discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Some discounts might not apply in your state.

Comprehensive Insurance Coverage Comparison Quotes

Most companies give pricing directly from their websites. The process is quite simple as you just type in the coverage amounts you desire into a form. After you submit the form their rating system gets your driving and credit reports and returns a price quote. Online price quotes helps simplify price comparisons, but the time it takes to visit different websites and fill out multiple forms can be a bit tiresome and repetitive. Unfortunately, it is important to do this in order to find lower prices.

There is an easier way!

The preferred way to get multiple rate quotes uses one simple form that obtains quotes from multiple companies. This type of form saves time, eliminates repetitive work, and makes quoting online much simpler. As soon as the form is sent, it is rated with multiple companies and you can pick any of the quote results.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The whole process takes just a few minutes to complete and you’ll know if lower rates are available.

To use this form to compare rates, simply click here to open in new window and submit your coverage information. To compare your current rates, we recommend you type in the limits and deductibles just like they are on your policy. This guarantees you will receive a rate comparison based on identical coverages.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For example, these questions could help you determine if your situation would benefit from professional advice.

  • Am I getting all the discounts available?
  • Should I have combined single limit or split liability limits?
  • Am I insured when driving a different vehicle?
  • How can I get high-risk coverage after a DUI?
  • What is the ISO rating for a 2013 Jeep Compass?
  • What is high-risk coverage and where do I buy it?
  • Is my Jeep Compass covered if I use it for business?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your insurance policy

Learning about specific coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages available from insurance companies.

Collision protection

This covers damage to your Compass resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, sideswiping another vehicle, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for chiropractic care, doctor visits and ambulance fees. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2013 Jeep Compass.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are set the same as your liablity limits.

Liability coverages

Liability coverage will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like emergency aid, repair bills for other people’s vehicles, attorney fees, court costs and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive coverages

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Keep this in mind

The cheapest 2013 Jeep Compass insurance can be purchased both online and with local insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.

In this article, we covered a lot of tips how to shop for insurance online. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. Drivers may discover the best prices are with a smaller regional carrier. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like Progressive or Geico.

Much more information about insurance can be found at these links: