Compare 2007 Jeep Compass Insurance Rates

Paying for high-priced Jeep Compass insurance can take a big chunk out of your personal savings and put a big crunch on your finances. Doing a price comparison is a smart way to make sure you’re not throwing money away. Online insurance companies like Progressive, Geico and Farmers Insurance all claim big savings with ad campaigns and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

If you have a policy now or need a new policy, you will benefit by learning to get lower rates while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Consumers just need to understand the proper methods to compare price quotes over the internet.

Free Car Insurance Quotes

Getting better 2007 Jeep Compass car insurance pricing doesn’t have to be difficult. You just need to spend a few minutes on the computer comparing price quotes from different insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This easy form saves time by eliminating repetitive form entry to each individual car insurance company. One quote request will get you rate comparisons from multiple low-cost companies.

A different way to find lower rates consists of going to the website of each company and request a quote. For example, we’ll pretend you want to compare rates from Auto-Owners, Geico and Allstate. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using exactly the same coverages and limits for each comparison quote. If you use unequal deductibles or liability limits you can’t possibly decipher which rate is best.

Lower rates by qualifying for discounts

Insurance can cost an arm and a leg, but you may find discounts that you may not know about. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be specially asked for in order for you to get them. If you don’t get every credit you deserve, you are paying more than you should be.

  • Payment Method – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Homeowners Pay Less – Simply owning a home can save you money because maintaining a house demonstrates responsibility.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Low Mileage Discounts – Keeping the miles down on your Jeep could be rewarded with discounted rates on garaged vehicles.
  • Driver Safety – Taking a course in driver safety could save 5% or more depending on where you live.
  • Save over 55 – Mature drivers may receive a small decrease in premiums on Compass coverage.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you will save up to 20% off your total premium.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.

Consumers should know that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will cut the cost of coverage.

Companies that may offer these discounts may include but are not limited to:

Before buying, ask all companies you are considering what discounts are available to you. Some discounts might not apply in every state.

Car insurance is unique, just like you

When buying the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different so this has to be addressed. For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • Do I really need UM/UIM coverage?
  • When can I cancel my policy?
  • Is my state a no-fault state?
  • I have health insurance so do I need medical payments coverage?
  • Should I sign the liability waiver when renting a car?
  • Where can I find DUI or SR-22 insurance?
  • Why am I required to buy high-risk coverage?
  • Are my friends covered when driving my 2007 Jeep Compass?
  • Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

These factors can influence what you pay for Jeep Compass insurance

It’s important that you understand the different types of things that go into determining your auto insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

  • Never allow your policy to lapse – Allowing your coverage to lapse is a quick way to increase your auto insurance rates. Not only will you pay more, getting caught without coverage can result in a revoked license or a big fine.
  • Battle of the sexes – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. They both have accidents at a similar rate, but the males cause more damage. They also receive more costly citations like reckless driving and DUI. Youthful male drivers tend to get in the most accidents and therefore are the most expensive to insure.
  • Safe vehicles cost less to insure – Safer cars tend to have better insurance rates. Safer cars result in less severe injuries and lower injury rates means lower claim amounts and thus lower rates. If the Jeep Compass scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for auto insurance? Occupations like lawyers, business owners and stock brokers tend to pay the highest rates in part from job stress and long work hours. On the other hand, jobs such as farmers, students and homemakers have the lowest average rates on Compass coverage.
  • Where you live is a factor – Living in a rural area has it’s advantages when buying auto insurance. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft. Urban drivers tend to have congested traffic and a longer drive to work. Longer commute distances means higher likelihood of an accident.

Can switching companies really save?

Consumers constantly see and hear ads that promise big savings by State Farm and Allstate. All the ads say the same thing that you can save if you change to their company.

But how can every company make the same claim?

All companies have a certain “appetite” for the type of customer that makes them money. A good example of a driver they prefer could possibly be between the ages of 40 and 55, owns a home, and has a high credit rating. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to cut their rates substantially.

Drivers who don’t measure up to the “perfect” profile will have to pay higher premiums and ends up with business going elsewhere. The ads say “drivers who switch” but not “drivers who get quotes” save that much money. That’s the way companies can truthfully make those claims.

Because of the profiling, it’s extremely important to get quotes from several different companies. It is impossible to predict which car insurance company will provide you with the cheapest Jeep Compass insurance rates.

Car insurance coverage options for a 2007 Jeep Compass

Having a good grasp of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types available from car insurance companies.

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, falling objects and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sideswiping another vehicle, rolling your car, sustaining damage from a pot hole, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for nursing services, surgery, prosthetic devices, rehabilitation expenses and EMT expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This coverage provides protection from damages or injuries you inflict on a person or their property. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as structural damage, funeral expenses, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Jeep Compass.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these limits are set the same as your liablity limits.

Best coverage at the best price

Cost effective 2007 Jeep Compass insurance can be bought from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at the best price, not the least amount of coverage.

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