2015 Jeep Compass Insurance Rates – 8 Savings Tips

Want the cheapest insurance rates for your Jeep Compass? Finding better rates for insurance is hard for people who are new to comparison shopping online. There are so many choices that it can easily become a real challenge to locate the lowest price.

Consumers need to price shop coverage before your policy renews since insurance rates are usually higher with each renewal. If you had the best price on Compass coverage on your last policy you will most likely find a better rate today. There is too much inaccurate information about insurance online but we’re going to give you some solid techniques on how to reduce your insurance bill.

Quick Auto Insurance Quotes

All the larger auto insurance companies like Progressive, Allstate and Geico provide prices on the web. The process is quite simple as you just enter your personal and coverage information as detailed in the form. After you submit the form the company’s rating system pulls your driving record and credit report and generates pricing information based on these and other factors.

Online price quotes helps simplify price comparisons, but the process of having to visit several different sites and complete many quote forms can get tiresome after awhile. But it’s very important to perform this step if you want to find the best price on auto insurance.

A quicker way to find lower prices requires only one form to obtain quotes from multiple companies. It’s a real time-saver, requires much less work on your part, and makes rate comparisons much more enjoyable. Immediately after you send the form, your coverage is rated and you can select any or none of the price quotes you receive. If you find a better price it’s easy to complete the application and buy the new coverage. This process can be completed in a matter of minutes and can result in significant savings.

In order to fill out one form to compare multiple rates now, click here and submit your coverage information. If you have coverage now, it’s recommended you copy your coverages exactly as shown on your declarations page. Doing this guarantees you will receive rate quotes for the exact same coverage.

Don’t overlook these eight discounts

Companies offering auto insurance do not list every available discount in an easy-to-find place, so we took the time to find some of the best known and also the lesser-known car insurance savings.

  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same car insurance policy qualifies for this discount.
  • Life Insurance – Some companies give lower rates if you buy life insurance.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class in high school.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could cut 5% off your bill if your company offers it.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck.

For a list of insurance companies with discount car insurance rates, click this link.

Is my situation unique?

When choosing the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.

These are some specific questions may help you determine if your insurance needs might need professional guidance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I have coverage when making deliveries for my home business?
  • Does my 2015 Jeep Compass qualify for pleasure use?
  • Is my 2015 Jeep Compass covered for smoke damage?
  • Should I buy full coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Coverages available on your insurance policy

Understanding the coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Liability car insurance

This coverage provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like bail bonds, legal defense fees, pain and suffering, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, fire damage and hitting a bird. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Jeep Compass.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Collision protection

Collision coverage pays for damage to your Compass resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like rolling your car, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses for things like ambulance fees, dental work, rehabilitation expenses, nursing services and doctor visits. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Final considerations

Insureds leave their current company for many reasons like denial of a claim, poor customer service, high rates after DUI convictions and even delays in paying claims. It doesn’t matter why you want to switch switching companies is actually quite simple.

You just read many ways to reduce 2015 Jeep Compass insurance prices online. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from the least-expected company.

As you prepare to switch companies, you should never reduce needed coverages to save money. There are too many instances where an insured cut uninsured motorist or liability limits only to regret at claim time that it was a big mistake. Your aim should be to buy enough coverage at an affordable rate, not the least amount of coverage.

Much more information about insurance can be found at the links below