View 2014 Jeep Compass Car Insurance Cost

Locating cheaper insurance for a new or used Jeep Compass can be difficult, but you can use the following methods to save time.

There is a better way to shop for car insurance so you’re going to learn the absolute fastest way to quote coverages on a Jeep and locate the cheapest rates from local insurance agents and online providers.

Buying the lowest cost insurance coverage is easy if you know what you’re doing. If you have a policy now or are just looking to switch companies, you can use these techniques to find the best rates while maximizing coverage. Drivers only need to know the proper methods to get comparison rates online.

The quickest method we recommend to compare car insurance company rates takes advantage of the fact most of the bigger providers will pay a fee to give rate comparisons. The only thing you need to do is give them rating details including how much school you completed, whether you drive to work or school, whether you are single or married, and types of safety features. The rating information is then submitted to insurance carriers in your area and you receive quotes quickly.

Best discounts on 2014 Jeep Compass coverage

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help bring down the price. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be asked for before being credited. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Safety Course Discount – Taking part in a driver safety course could save 5% or more depending on where you live.
  • Life Insurance – Some companies give a discount if you purchase auto and life insurance together.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Paperwork-free – A few companies may give you up to $50 for buying a policy and signing up online.
  • 55 and Retired – If you’re over the age of 55, you may be able to get reduced rates for Compass insurance.
  • Accident Forgiveness – Some insurance companies permit an accident without raising rates if you are claim-free for a certain period of time.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount for Compass insurance with certain companies.

Drivers should understand that most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as medical payments or collision. So when the math indicates you could get a free insurance coverage policy, it doesn’t quite work that way. But any discount will reduce your overall premium however.

For a list of insurers offering insurance coverage discounts, follow this link.

Tailor your coverage to you

When choosing coverage, there really is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

  • Are my friends covered when driving my 2014 Jeep Compass?
  • What is covered by UM/UIM coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • What vehicles should carry emergency assistance coverage?
  • When should I drop full coverage on my 2014 Jeep Compass?
  • Are my friends covered when driving my car?
  • Exactly who is provided coverage by my policy?
  • Should I get collision insurance on every vehicle?
  • Can my babysitter drive my car?
  • Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

The coverage is in the details

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers 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 should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses like surgery, X-ray expenses, doctor visits and funeral costs. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a ditch, hitting a parking meter and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, theft, hail damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

This coverage can cover damages or injuries you inflict on a person or their property. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as structural damage, emergency aid and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Final thoughts

Budget-conscious 2014 Jeep Compass insurance is available on the web and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

We just presented a lot of information how to compare insurance prices online. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with a small mutual company.

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice liability limits or collision coverage to discover at claim time that it was a big mistake. Your goal should be to buy enough coverage at an affordable rate while still protecting your assets.

Additional car insurance information can be read at the links below