How Much Does 2013 Jeep Compass Insurance Cost?

Buyers have lots of choices when searching for low-cost Jeep Compass insurance. They can either waste time contacting agents trying to get quotes or save time using the internet to find the lowest rates. There is a better way to shop for auto insurance so we’re going to tell you the quickest way to quote coverages for your Jeep and locate the best price possible from local insurance agents and online providers.

It’s a good idea to shop coverage around yearly since rates tend to go up over time. Even if you got the best premium rates on Compass insurance on your last policy other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re about to find out the best methods to find great coverage at a great price.

Which insurance coverage is cheapest?

There are a lot of ways to compare insurance coverage prices but there is one way that is more efficient than others. You could spend your day talking to local insurance agents in your area, or you can utilize online quotes for quick rates.

The majority of car insurance companies belong to an insurance system where prospective buyers complete one form, and every company returns a competitive quote based on the submitted data. This saves time by eliminating repetitive form submissions to every company.

To use this form to compare rates click here (opens in new window).

The single downside to comparing rates this way is you don’t know exactly which companies you want to price. So if you want to choose specific providers to compare rates, we have a listing of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just compare nearly identical coverages for each quote you get. If the quotes have differing limits it will be impossible to make an equal comparison.

What insurance coverages do I need?

When choosing the best insurance coverage coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight whether you would benefit from an agent’s advice.

  • Does medical payments coverage apply to all occupants?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I benefit by insuring my home with the same company?
  • Why am I required to buy liability insurance?
  • Exactly who is provided coverage by my policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is covered by UM/UIM coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can help protect your family.

What insurance coverages do you need?

Having a good grasp of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

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

Collision coverage pays for claims like scraping a guard rail, backing into a parked car, crashing into a building, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for short-term medical expenses like ambulance fees, nursing services and EMT expenses. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Jeep Compass.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, falling objects and fire damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance – Liability coverage provides protection from damage that occurs to people or other property by causing an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims like funeral expenses, structural damage and emergency aid. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.