Cheaper 2009 Jeep Compass Car Insurance Rates

Consumers have options when looking for the best price on Jeep Compass insurance. They can either waste time driving around to compare prices or leverage the internet to get rate quotes. There are both good and bad ways to compare car insurance rates so you’re going to learn the absolute fastest way to compare rates for a Jeep and get the best price possible either online or from local insurance agents.

How to buy insurance online

There are a variety of methods you can shop for insurance but one way is easier and takes less work. You could waste time discussing policy coverages with local insurance agents in your area, or you could save time and use online quoting to quickly compare rates.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and each company can provide price quotes based on the submitted data. This system prevents you from having to do quote requests to each company.

To compare rates using this form now click to open in new window.

The one downside to doing it this way is that consumers can’t choose which providers you will receive quotes from. So if you want to choose specific insurance companies to receive pricing from, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just be sure you’re using the exact same coverages and limits with every price quote. If you compare higher or lower deductibles you will not be able to make a fair comparison for your Jeep Compass.

Use discounts on insurance coverage

Car insurance companies don’t necessarily list the complete list of policy discounts in an easy-to-find place, so the list below details a few of the more common and the more hidden discounts that you may qualify for. If they aren’t giving you every credit available, you could be paying more than you need to.

• Military Deployment Discount – Being deployed with a military unit may qualify for rate reductions.
• Distant Student Discount – Youth drivers who live away from home at college and do not have a car can receive lower rates.
• Claim Free – Insureds with no claims or accidents pay less as opposed to frequent claim filers.
• Pay Upfront and Save – By paying your entire bill at once rather than paying monthly you can avoid the installment charge.
• Buy New and Save – Insuring a new car can save you some money because newer models are generally safer.
• Life Insurance – Insurance carriers who offer life insurance give a break if you buy a life insurance policy as well.

A little disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like you can get free auto insurance, it just doesn’t work that way.

Companies and a partial list of their discounts can be read below.

• 21st Century has discounts for good student, driver training, anti-lock brakes, homeowners, early bird, and automatic seat belts.
• Progressive offers discounts including multi-vehicle, continuous coverage, homeowner, online signing, online quote discount, good student, and multi-policy.
• State Farm offers premium reductions for good driver, Steer Clear safe driver discount, accident-free, defensive driving training, safe vehicle, driver’s education, and passive restraint.
• Nationwide may offer discounts for defensive driving, easy pay, anti-theft, family plan, business or organization, multi-policy, and Farm Bureau membership.
• Esurance has savings for renters, homeowner, anti-lock brakes, Switch & Save, online shopper, and safety device.
• The Hartford policyholders can earn discounts including good student, air bag, defensive driver, vehicle fuel type, bundle, driver training, and anti-theft.

Before you buy a policy, ask every prospective company how many discounts you can get. Some discounts listed above might not be offered in your area. To view insurance companies with discount insurance coverage rates, click here.

Tailor your insurance coverage to you

When choosing proper insurance coverage, there is no one size fits all plan. Every situation is different.

For instance, these questions may help highlight if you would benefit from professional advice.

• Does medical payments coverage apply to all occupants?
• How much liability insurance is required?
• Which is better, split liability limits or combined limits?
• Should I buy more coverage than the required minimum liability coverage?
• Why am I be forced to buy a membership to get insurance from some companies?
• What companies insure drivers after a DUI or DWI?
• If I drive on a suspended license am I covered?
• Does my car insurance cover rental cars?
• What is high-risk coverage and where do I buy it?
• What is no-fault insurance?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Specific coverage details

Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverage

Liability insurance will cover damages or injuries you inflict on people or other property. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as pain and suffering, attorney fees and court costs. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Jeep Compass.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, falling objects, fire damage, damage from flooding and hitting a deer. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as nursing services, surgery, pain medications and hospital visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverage

This will pay to fix damage to your Compass caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like damaging your car on a curb, driving through your garage door, crashing into a ditch and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

In Summary

We’ve covered many ways to reduce 2009 Jeep Compass insurance prices online. The key thing to remember is the more you quote insurance, the higher your chance of finding cheap insurance. Consumers may even find the best price on car insurance is with a smaller regional carrier.

As you shop your coverage around, do not reduce coverage to reduce premium. There have been many situations where consumers will sacrifice liability coverage limits only to regret at claim time that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at a price you can afford, but don’t skip important coverages to save money.

Cheap 2009 Jeep Compass insurance is available on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not offer online rate quotes and these regional carriers sell through independent insurance agencies.

To learn more, link through to the articles below:

• Side Impact Crash Tests (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)
• Older Driver Statistics (Insurance Information Insitute)