2013 Jeep Compass Insurance Rates

Looking for the cheapest insurance rates for your Jeep Compass? Are you sick and tired of scraping nickels together to buy insurance? You are in the same boat as many other consumers. With so many insurance companies to choose from, it can be challenging to find the right insurance company.

Discount car insurance quotes

Companies don’t always publicize every discount very clearly, so the list below gives a summary of a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy auto insurance online.

• Senior Discount – If you qualify as a senior citizen, you may be able to get lower premium rates on Compass insurance.
• Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
• College Student – living away from home attending college and won’t have access to an insured vehicle may qualify for this discount.
• Telematics Devices – Drivers that enable their insurance company to study their driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they have good driving habits.
• Savings for New Vehicles – Buying car insurance coverage on a new vehicle can save up to 30% because newer vehicles have to meet stringent safety requirements.
• Driver’s Ed – Teen drivers should sucessfully take a drivers education course as it can save substantially.
• Good Grades Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and that can save you a little bit as well.
• Multiple Cars – Drivers who insure all your vehicles on a single policy could earn a price break for each car.
• Early Switch Discount – Select car insurance companies give a discount for renewing your policy before your current expiration date. You could save around 10% when you buy auto insurance online.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. Just because you may think all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Large car insurance companies and some of the discounts are included below.

• State Farm includes discounts for anti-theft, safe vehicle, passive restraint, multiple autos, and good driver.
• Progressive offers discounts for homeowner, continuous coverage, good student, online signing, multi-vehicle, and multi-policy.
• Travelers discounts include driver training, early quote, student away at school, multi-policy, and good student.
• American Family may have discounts that include air bags, mySafetyValet, good student, Steer into Savings, bundled insurance, and multi-vehicle.
• Liberty Mutual has savings for good student, new move discount, teen driver discount, preferred payment discount, safety features, and newly married.

If you need low cost auto insurance quotes, ask all the companies to give you their best rates. Savings may not be offered in your area. To find car insurance companies who offer car insurance discounts, click here to view.

How to find low cost car insurance

Most major insurance companies such as Allstate and Progressive allow consumers to get coverage price quotes directly from their websites. Getting prices online is possible for anyone as you just type in your coverage preferences as requested by the quote form. After you complete the form, their quoting system will order your driving and credit reports and quotes a price based on the information you submitted. Online price quotes streamlines rate comparisons, but the time it takes to visit several different sites and enter the same data into a form can be a bit tiresome and repetitive. But it is imperative to perform this step in order to find a better rate.

The easy way to compare rates

The easiest way to get multiple rate quotes uses one simple form to obtain quotes from multiple companies. It’s a real time-saver, eliminates repetitive work, and makes online shopping much easier. After sending the form, it is quoted and you can select any or none of the price quotes you receive. If a lower price is quoted, you simply finish the application and purchase coverage. It takes 15 minutes at the most and may save quite a bit of money.

To find out what other companies charge, click here to open in new window and submit the form. If you have coverage now, it’s recommended you replicate the coverage information as shown on your current policy. This helps ensure you will have rate comparison quotes for exact coverage.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can help discover whether you could use an agent’s help.

• Is rental equipment covered for theft or damage?
• Does insurance cover tools stolen from my truck?
• What is the difference between comprehensive and collision coverage?
• Is my 2013 Jeep Compass covered for flood damage?
• Are rock chip repairs covered?
• Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Insurance coverage considerations

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

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

Collision insurance covers things like damaging your car on a curb, scraping a guard rail, colliding with a tree, rolling your car and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Jeep Compass.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverages – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, fire damage and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like rehabilitation expenses, doctor visits, ambulance fees and funeral costs. They can be utilized in addition to your health insurance policy 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. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto liability – This will cover damage or injury you incur to a person or their property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims such as court costs, bail bonds and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Final thoughts

When searching for inexpensive auto insurance quotes, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where an insured dropped liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at an affordable rate while still protecting your assets.

Some insurance coverage companies don’t offer price quotes online and many times these regional insurance providers only sell coverage through local independent agents. Low-cost 2013 Jeep Compass insurance is possible from both online companies and from local agencies, and you should be comparing both so you have a total pricing picture.

Additional information is available at these links:

• How to Avoid Staged Accidents (State Farm)
• Bodily Injury Coverage (Liberty Mutual)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)