2009 Jeep Compass Insurance Quotes

Trying to find cheaper car insurance rates for your Jeep Compass? I can’t think of a single person who likes paying for car insurance, especially knowing the cost is too high. Because there are so many insurance providers from which to choose, it is very difficult to locate the lowest cost insurance company.

The purpose of this post is to help you learn how car insurance quotes work and some tips to save money. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Vehicle owners just need to know the proper way to shop their coverage around on the web.

Discounts to lower Jeep Compass insurance rates

Insuring your fleet can be pricey, but there are discounts available that many people don’t even know exist. Some trigger automatically at quote time, but a few need to be inquired about prior to getting the savings. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Jeep can qualify you for a substantially lower rate.
  • Student Driver Training – Have your child take driver’s ed class if it’s offered in school.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Student in College – Children living away from home attending college and don’t have a car may be able to be covered for less.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Compass insurance with select insurance companies.
  • Own a Home – Simply owning a home can save you money because maintaining a house shows financial diligence.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you may earn 10% to 20% off each policy.
  • Driver Safety – Taking a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.

Drivers should understand that some of the credits will not apply to the entire cost. Most only reduce individual premiums such as comp or med pay. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way. But any discount will bring down the amount you have to pay.

A partial list of companies that possibly offer these benefits are:

Double check with all companies you are considering what discounts are available to you. Savings may not be available in your area.

Jeep Compass insurance rates can be determined by these details

Smart consumers have a good feel for the different types of things that go into determining your auto insurance rates. Understanding what influences your rates enables informed choices that may reward you with better auto insurance rates.

Listed below are some of the factors auto insurance companies consider when setting rates.

  • Your job and insurance rates – Jobs such as judges, executives and accountants have higher rates than average due to high stress and long work hours. On the flip side, occupations like scientists, athletes and the unemployed get better rates for Compass insurance.
  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
  • Your credit rating is important – A driver’s credit history is a large factor in determining what you pay for auto insurance. Therefore, if your credit history is not that good, you could pay less to insure your 2009 Jeep Compass by improving your rating. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have lower credit scores.
  • Do you need the policy add-ons? – There are many add-on coverages you can purchase on your auto insurance policy. Coverages like vanishing deductibles, better glass coverage and membership fees may be costing you every month. They may seem like a good idea when talking to your agent, but your needs may have changed so get rid of them and save.
  • High deductibles save money – Your deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some instances where coverage would apply would be running into the backend of another car, damage from fire, or theft. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive for Compass insurance.
  • Men fork out a little more – Statistics show that women are safer drivers than men. However, don’t assume that women are better drivers. They both have accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like DUI and reckless driving.

Tailor your coverage to you

When it comes to buying coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions might help in determining if you would benefit from an agent’s advice.

  • Does my insurance cover my expensive audio equipment?
  • Am I covered when using my vehicle for business?
  • Should I rate my 2009 Jeep Compass as pleasure use or commute?
  • Is my cargo covered for damage or theft?
  • How do I file an SR-22 for a DUI in my state?
  • What is UM/UIM insurance?
  • Is extra glass coverage worth it?
  • Should I bundle my homeowners policy with my auto?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Ads can be misleading

Drivers can’t ignore all the ads for car insurance savings from companies such as State Farm, Allstate and Geico. They all seem to say the same thing that you’ll save big if you change your policy.

But how can every company say the same thing?

All the different companies can use profiling for the right customer they prefer to insure. For instance, a desirable insured could be between 30 and 50, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who don’t qualify for the “perfect” profile will have to pay a higher premium and ends up with business going elsewhere. The ads say “people who switch” not “people who quote” save that much. That’s why insurance companies can claim big savings.

Because of the profiling, drivers should quote coverage with many companies. It’s not possible to predict which insurance companies will fit your personal profile best.

Coverage specifics

Having a good grasp of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverage types found on the average insurance policy.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Jeep Compass.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage protection

This covers damage to your Compass resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, sideswiping another vehicle, driving through your garage door, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Coverage for liability

This coverage can cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like medical expenses, repair costs for stationary objects, structural damage and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like chiropractic care, prosthetic devices, EMT expenses and hospital visits. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, theft, a tree branch falling on your vehicle and vandalism. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Power to the consumer

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where someone dropped comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. The aim is to buy the best coverage you can find at the best price while not skimping on critical coverages.

In this article, we presented a lot of techniques to shop for 2009 Jeep Compass insurance online. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may discover the best prices are with some of the smallest insurance companies. Some small companies may have significantly lower rates on certain market segments compared to the large companies like Allstate, Geico and Progressive.

More tips and info about auto insurance can be read by following these links: