Save on 2009 Jeep Compass Car Insurance Quotes

Drivers have many options when trying to find affordable Jeep Compass insurance. They can either waste time contacting agents to compare prices or utilize the internet to find the lowest rates.

There is a better way to find car insurance online and you need to know the quickest way to quote coverages for your Jeep and obtain the best price possible from local insurance agents and online providers.

It’s a good habit to take a look at other company’s rates yearly since insurance rates trend upward over time. Just because you had the lowest rates for Compass insurance a year ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because you’re about to find out the best methods to reduce your cost while improving coverage.

How to Compare Insurance Coverage

There are a lot of ways to compare insurance coverage prices but one way is more efficient than others. You could spend your day talking to local insurance agents in your area, or you can utilize online quoting to accomplish the same thing much quicker.

Many insurance companies participate in a marketplace that allows shoppers to enter their policy data once, and each participating company can give them a price. This prevents consumers from doing quotation requests to each individual insurance coverage company. To find out how much you’re overpaying now click to open in new window.

The only downside to comparing rates this way is that consumers can’t choose the insurers you will receive quotes from. So if you want to select specific insurance companies to request quotes from, we have assembled a list of insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but compare exactly the same information for each comparison quote. If each company quotes different limits and deductibles on each one it will be next to impossible to decipher which rate is best.

Save money by taking advantage of these discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts that you may not even be aware of. A few discounts will automatically apply when you complete an application, but some must be requested specifically prior to getting the savings. If you don’t get every credit you deserve, you are paying more than you should be.

Multiple Policy Discount – When you combine your home and auto insurance with one company you could get a discount of approximately 10% to 15%.
Early Signing – Select companies give a discount for switching policies before your current expiration date. This can save 10% or more.
Accident Forgiveness – A handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.
Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
New Vehicle Savings – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
Drive Less and Save – Driving fewer miles could qualify for better rates on cars that stay parked.
Payment Discounts – By paying your policy upfront rather than paying monthly you may reduce your total bill.
Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance.

Drivers should understand that most discount credits are not given the the whole policy. Some only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way. But any discount will cut your overall premium however.

To see a list of insurers offering auto insurance discounts, click here.

When should I use an insurance agent?

When buying adequate coverage, there really is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions can help discover whether you may require specific advice.

Is my Jeep Compass covered if I use it for business?
Am I covered if I crash into my own garage door?
Do I benefit by insuring my home with the same company?
Does my policy cover me when driving someone else’s vehicle?
Should I have combined single limit or split liability limits?
Am I covered if hit by an uninsured driver?
What is UM/UIM insurance?
Why is insurance for a teen driver so high?
How much liability do I need to cover my assets?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Coverage specifics

Having a good grasp of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as ambulance fees, dental work and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, rock chips in glass, theft and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

Collision insurance pays for damage to your Compass caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, sideswiping another vehicle, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Jeep Compass.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability

This provides protection from damages or injuries you inflict on other people or property in an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability 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 total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as structural damage, court costs, funeral expenses and legal defense fees. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.