View 2015 Jeep Compass Car Insurance Quotes

Finding cheaper car insurance quotes online can be complicated if you’re new to online price comparisons. Don’t let the process intimidate you because finding more affordable prices is actually fairly simple.

Consumers need to do rate comparisons at least once a year because insurance rates trend upward over time. Even if you think you had the lowest premium rates for Compass insurance two years ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the fastest way to properly buy coverages and cut your premium.

Shopping for cheaper auto insurance coverage is quite easy. Just about anyone who is required by state law to have auto insurance most likely will be able to find better rates. Although consumers need to learn how insurance companies market on the web and take advantage of how the system works.

Cheap insurance

Shopping for lower insurance rates is a ton of work if you don’t know the most efficient way. You could waste time driving to agents in your area, or you could use online quotes to quickly compare rates.

Most of the larger companies enroll in a system that enables customers to submit one quote, and at least one company then returns a price quote based on that information. This prevents consumers from doing quote forms for each company you want a rate for.

To fill out one form to compare multiple rates now click here to open in new window.

The one downside to comparing rates this way is you can’t choose the companies you want to price. If you would rather choose from a list of companies for rate comparison, we put together a list of insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just do your best to use equivalent coverages and limits for each comparison quote. If each company quotes mixed coverages it’s impossible to determine which company has the best rates. Having just a slight variation in limits could skew the results. And when comparison shopping, more quotes helps you find a better price. Not every company provides online rate quotes, so you should also compare quotes from them, too.

Save money with these car insurance discounts

Some providers don’t always list every discount they offer in a way that’s easy to find, so the list below contains a few of the more well known in addition to some of the lesser obvious credits that may apply to you.

• Student in College – Kids living away from home attending college and do not have access to a covered vehicle could qualify for this discount.
• Auto/Life Discount – Some car insurance companies give a break if you buy some life insurance in addition to your auto policy.
• Student Driver Training – Have your child successfully complete driver’s ed class as it can save substantially.
• Federal Employees – Simply working for the federal government could qualify for a slight premium decrease for Compass insurance depending on your company.
• Payment Method – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save up to 5%.
• Seat Belt Discounts – Forcing all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Data Collection Discounts – People who choose to allow companies to spy on when and where they use their vehicle by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they exhibit good driving behavior.

Discounts save money, but please remember that most credits do not apply the the whole policy. Most only apply to specific coverage prices like liability and collision coverage. Just because it seems like you could get a free car insurance policy, car insurance companies aren’t that generous. Any amount of discount should help lower your policy premium.

If you would like to see a list of car insurance companies that offer the discounts shown above, click this link.

Insurance coverage can get complicated

When it comes to buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions might help in determining if your situation would benefit from an agent’s advice.

• Is upholstery damage covered by car insurance?
• Which companies will insure high-risk drivers?
• When do I need to add a new car to my policy?
• If my pet gets injured in an accident are they covered?
• How high should my uninsured/underinsured coverage be in my state?
• Do I have coverage for damage caused while driving under the influence?
• I have a DUI can I still get coverage?
• Am I insured when driving a different vehicle?
• What can I do if my company denied a claim?
• Is my business laptop covered if it gets stolen from my vehicle?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Coverage specifics

Learning about specific coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Liability coverage

This coverage can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different 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 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as medical services, structural damage, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as ambulance fees, EMT expenses and hospital visits. They can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, rock chips in glass, hail damage and damage from getting keyed. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

This coverage pays for damage to your Compass resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Jeep Compass.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.