View 2008 Jeep Compass Insurance Quotes

Looking for cheaper insurance rates for your Jeep Compass? Finding cheaper insurance for a Jeep Compass can normally be a painful process, but you can use a few tricks to find lower rates. There is a better way to find insurance online and we’ll show you the proper way to quote coverages for a new or used Jeep and obtain the lowest possible price from local insurance agents and online providers.

You should make it a habit to check insurance prices quite often because insurance rates are variable and change quite frequently. Just because you had the lowest rates on Compass coverage a couple years back the chances are good that you can find a lower rate today. There is a lot of wrong information about insurance online, so I’m going to show you some tested techniques to slash your insurance rates.

If you are insured now or are shopping for new coverage, you can use these tips to shop for the lowest rates while maintaining coverages. Finding the best coverage is not that difficult. Vehicle owners only need an understanding of the proper way to get comparison quotes on the web.

Be sure to get all your discounts

Companies don’t always advertise all their discounts in a way that’s easy to find, so we took the time to find both well-publicized and the more hidden savings tricks you should be using. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Multiple Cars – Buying coverage for all your vehicles on the same insurance coverage policy can get a discount on all vehicles.
  • Distant Student – Youth drivers living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Payment Method – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Homeowners Savings – Owning a house may trigger a insurance coverage policy discount because of the fact that having a home requires personal responsibility.

Consumers should know that most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like comp or med pay. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way.

Car insurance companies that may offer these money-saving discounts include:

Check with each insurance company what discounts are available to you. Savings might not apply in your area.

Factors that might impact rates for a Jeep Compass

An important part of buying insurance is that you know the different types of things that help determine insurance coverage rates. Understanding what determines base rates enables informed choices that could result in better insurance coverage rates.

  • Men are more aggressive – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. They both tend to get into accidents in similar numbers, but men tend to have more serious accidents. Men also have more aggressive citations like reckless driving and DUI.
  • Choose a safe vehicle and save – Vehicles with good safety scores get lower rates. These vehicles protect occupants better and lower injury rates means lower claim amounts and thus lower rates. If your 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 you may qualify for a discount.
  • Being married is a good thing – Being married actually saves money on insurance coverage. It is viewed as being more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Your car’s features help determine rates – Driving a car with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Low deductibles can be expensive – Physical damage deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims could be colliding with a building, vandalism, and burglary. The more expense you’re willing to pay, the bigger discount you will receive on Compass coverage.
  • Frequent insurance coverage claims increase rates – Car insurance companies award better rates to policyholders who are claim-free. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is designed for the large, substantial claims.
  • Your location is important – Residing in less populated areas has it’s advantages when insuring your vehicles. City drivers have congested traffic and longer commutes to work. Lower population translates into fewer accidents as well as less vandalism and auto theft.

How do I know if I need professional advice?

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions can aid in determining if your insurance needs could use an agent’s help.

  • Will filing a claim cost me more?
  • Why am I required to buy liability insurance?
  • Does my car insurance cover rental cars?
  • What is high-risk coverage and where do I buy it?
  • Does coverage extend to my business vehicle?
  • Should I have combined single limit or split liability limits?
  • Do I need roadside assistance coverage?
  • When can my company non-renew my policy?
  • Should I buy only the required minimum liability coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Auto insurance ads bend the truth

Drivers can’t get away from ads for the lowest price auto insurance from the likes of Allstate, GEICO and Progressive. All the companies have a common claim that you can save if you change your coverage to them.

But how can every company say the same thing? It’s all in the numbers.

All the different companies can use profiling for the right customer that makes them money. An example of a preferred risk could be over the age of 40, has no prior claims, and has excellent credit. Any driver who fits that profile is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who fall outside the “perfect” profile must pay higher prices and ends up with business not being written. Company advertisements say “people who switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can confidently claim big savings. This illustrates why drivers should get as many comparisons as possible. It’s just too difficult to predict which insurance companies will fit your personal profile best.

What auto insurance coverages do you need?

Understanding the coverages of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for collisions

Collision coverage will pay to fix damage to your Compass resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, hitting a parking meter, hitting a mailbox, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as theft, falling objects, damage from flooding and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses like doctor visits, funeral costs, rehabilitation expenses, nursing services and chiropractic care. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Auto liability insurance

This will cover injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as repair costs for stationary objects, medical expenses and attorney fees. How much coverage you buy is your choice, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Jeep Compass.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Compare but don’t skimp

You just learned a lot of information how to get a better price on 2008 Jeep Compass insurance. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from some of the smallest insurance companies.

As you shop your coverage around, never skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage at an affordable rate.

Cost effective insurance can be bought from both online companies in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some auto insurance companies do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

Additional information