2015 Jeep Compass Car Insurance Quotes

Looking for lower car insurance rates for your Jeep Compass? Did you come to the realization that you have an overpriced car insurance policy? Trust us when we tell you many drivers have buyer’s remorse.

With so many companies and agents to choose from, it can be challenging to choose a lower cost car insurance company.

How to lower your auto insurance cost

There are a lot of ways you can shop for auto insurance but there is one way that is easier and takes less work. You could spend the better part of a day discussing policy coverages with agents in your area, or you can utilize online quotes to maximize your effort.

All the larger companies enroll in a system where prospective buyers complete one form, and each participating company then returns a price quote based on that data. This saves time by eliminating quotation requests to each company.

To compare pricing click here (opens in new window).

The only drawback to using this type of system is you are unable to specify which providers to get pricing from. So if you prefer to choose individual companies to compare rates, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but be sure to compare nearly identical coverages with every price quote. If each company quotes unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Jeep Compass. Slightly different insurance coverages or limits could mean much higher rates. And when comparing auto insurance rates, know that getting more free quotes increases your odds of finding better pricing. Not every company allows you to get quotes online, so you should also compare price estimates on coverage from those companies, too.

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Seven tips to get cheaper insurance costs

Lots of things are used in the calculation when premium rates are determined. Some are obvious like an MVR report, but other criteria are not as apparent such as whether you are married and annual miles driven.

The itemized list below are just a few of the factors companies use to determine your prices.

• Higher insurance rates for insurance policy lapses – Allowing your insurance policy to lapse is a quick way to trigger a rate increase. Not only will you pay higher rates, not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
• Better drivers have lower rates – Attentive drivers get better rates compared to drivers with tickets. Having just one ticket can increase the cost of insurance twenty percent or more. People who have dangerous citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to prevent a license revocation.
• Marriage can save you money – Getting married may earn you lower rates on your insurance policy. Marriage translates into being more mature than a single person it has been statistically shown that drivers who are married are more cautious.
• Your vocation can affect insurance rates – Occupations such as fire fightersair traffic controllers and dentists generally have the highest average rates in part from intense work requirements and lengthy work days. On the other hand, occupations such as actors, students and the unemployed receive lower rates on Compass insurance.
• Rates also based on gender – Over the last 30 years, statistics show females are less aggressive when driving. However, don’t assume that females are better at driving than males. Women and men have fender benders in similar percentages, but guys tend to have higher claims. Men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
• GPS tracking and theft deterrents reduce insurance rates – Buying a car that has a built-in theft deterrent system can earn a premium discount. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent car theft.
• Responsible credit equals lower rates – Having a bad credit rating is likely to be a major factor in your rate calculation. Drivers with excellent credit tend to be better drivers and file fewer claims than drivers with poor credit scores. Therefore, if your credit rating is lower than you’d like, you could save money insuring your 2015 Jeep Compass if you improve your credit rating.

Do you qualify for discounts?

Companies that sell car insurance don’t list every possible discount very well, so we break down some of the best known as well as the least known discounts you could be receiving when you buy car insurance online.

• Own a Home and Save – Just owning your own home may trigger a policy discount on insurance since home ownership means you have a higher level of financial diligence.
• Early Signing – Select larger companies give a discount for switching companies before your current expiration date. You could save around 10% when you buy car insurance online.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it can save substantially.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving can save a little off PIP or medical payments premium.
• Discount for New Cars – Insuring a vehicle that is new can save up to 30% since newer vehicles are generally safer.
• 55 and Retired – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on Compass insurance.
• Discount for Good Grades – Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.
• ABS Braking Discount – Cars and trucks with anti-lock braking systems can reduce accidents and earn discounts up to 10%.

As a footnote on discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, that’s just not realistic. Any amount of discount will lower your policy premium.

Large insurance companies and their offered discounts are detailed below.

• Farm Bureau has discounts for safe driver, multi-policy, 55 and retired, multi-vehicle, youthful driver, and renewal discount.
• State Farm offers premium reductions for multiple policy, multiple autos, driver’s education, good student, defensive driving training, accident-free, and student away at school.
• Progressive policyholders can earn discounts including multi-vehicle, good student, online quote discount, homeowner, multi-policy, continuous coverage, and online signing.
• Allstate includes discounts for farm vehicle, FullPay discount, good student, resident student, and eSmart discount.
• Nationwide may have discounts that include multi-policy, business or organization, Farm Bureau membership, anti-theft, defensive driving, easy pay, and accident-free.
• MetLife has savings for defensive driver, good driver, multi-policy, accident-free, good student, and claim-free.

When comparing rates, check with each company how you can save money. Savings may not apply everywhere. To see companies who offer discounts, click this link.

Don’t assume everyone needs the same insurance coverage

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining if your insurance needs would benefit from professional advice.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• How high should deductibles be on a 2015 Jeep Compass?
• Am I covered if I hit a deer?
• How high should my uninsured/underinsured coverage be in my state?
• What vehicles should carry emergency assistance coverage?
• What if I owe more than I can insure my car for?
• Am I covered when using my vehicle for business?
• Which is better, split liability limits or combined limits?
• Am I covered when delivering products for my home-based business?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

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Learn about auto insurance coverages for a Jeep Compass

Understanding the coverages of auto insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on the average auto insurance policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. 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 flooding, damage from getting keyed, rock chips in glass and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability – This will cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like legal defense fees, loss of income, court costs and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – This covers damage to your Compass resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like scraping a guard rail, backing into a parked car, colliding with a tree, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Jeep Compass.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like chiropractic care, ambulance fees, pain medications, hospital visits and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Buy online or local, you save

When getting car insurance quotes online, make sure you don’t skimp on coverage in order to save money. Too many times, someone sacrificed uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at a price you can afford while still protecting your assets.

We’ve covered a lot of tips how to reduce 2015 Jeep Compass insurance car insurance rates online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance comes from a lesser-known regional company. These smaller insurers may have significantly lower premium rates on certain market segments compared to the large companies like State Farm or Progressive.

Much more information about insurance can be read below:

• Red Light Cameras (State Farm)
• Auto Insurance FAQ (Farmers Insurance)
• Side Impact Crash Tests (iihs.org)
• Rental Reimbursement Coverage (Allstate)

Enter your zip code below to view companies that have cheap auto insurance rates.

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