Cheapest 2017 Jeep Compass Insurance Rates in 2023
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UPDATED: Dec 13, 2019
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Do you think you bought high-priced insurance? Trust us, you’re not alone. Due to the large number of companies and agents to choose from, it’s difficult to find the lowest price insurer.
You should make it a habit to price shop coverage every six months since insurance prices change quite often. Just because you found the lowest price for Compass coverage a few years ago there may be better deals available now. Forget all the misinformation about insurance because you’re about to find out the best methods to save money, get proper deductibles and limits, all at the lowest rate.
Finding the best rates is not rocket science. If you have a policy now or are looking for a new policy, you will benefit by learning to shop for the lowest rates and still get good coverage. Drivers just need to learn how to compare rates online.
Verify you’re earning every discount
Companies offering auto insurance do not list their entire list of discounts in a way that’s easy to find, so we took the time to find a few of the more well known and the more hidden discounts that you may qualify for. If you do not double check each discount available, it’s possible you qualify for a lower rate.
- Organization Discounts – Being a member of qualifying clubs or civic groups could earn you a nice discount when getting a insurance coverage quote.
- Safety Course Discount – Participating in a course in defensive driving could earn you a small percentage discount and easily recoup the cost of the course.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving could save 15% off the medical payments premium.
- Lower Rates for Military – Being deployed with a military unit could be rewarded with lower rates.
- Claim-Free Discount – Claim-free drivers can save substantially in comparison with bad drivers.
- Discount for Life Insurance – Larger insurance companies have a lower premium rate if you buy life insurance from them.
- Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can avoid the installment charge.
- Home Ownership Discount – Being a homeowner can save you money because maintaining a house is proof of financial responsibility.
One thing to note about discounts is that some credits don’t apply to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.
Larger insurance companies and some of the premium reductions they offer are:
- State Farm may offer discounts for good student, multiple autos, multiple policy, Steer Clear safe driver discount, passive restraint, and safe vehicle.
- American Family has discounts for good student, bundled insurance, mySafetyValet, good driver, early bird, defensive driver, and Steer into Savings.
- AAA may include discounts for good driver, pay-in-full, AAA membership discount, anti-theft, good student, education and occupation, and multi-car.
- GEICO has savings for emergency military deployment, defensive driver, driver training, multi-policy, anti-theft, and military active duty.
- Mercury Insurance may have discounts that include annual mileage, multi-policy, low natural disaster claims, age of vehicle, and anti-theft.
- Farmers Insurance offers premium reductions for mature driver, youthful driver, early shopping, alternative fuel, multi-car, and teen driver.
- Progressive discounts include multi-vehicle, good student, multi-policy, online signing, continuous coverage, and online quote discount.
When getting a coverage quote, ask each insurance company which discounts can lower your rates. Savings may not apply in your area. To see a list of insurers that provide some of the discounts listed above, click this link.
Buy insurance online
The majority of larger companies such as GEICO, State Farm and Progressive make it easy to get coverage price quotes on the web. Doing online quotes is very simple because it’s just a matter of typing in your coverage preferences as requested by the quote form. Behind the scenes, their quoting system automatically retrieves your driving and credit reports and returns a price based on these and other factors. Online quotes makes it simple to compare prices but the time required to go to different websites and type in the same information is monotonous and tiresome. But it’s necessary to perform this step in order to find lower prices.
Compare rates the easy way
The easiest way to lower your rates uses one form to obtain quotes from multiple companies. The form is fast, requires much less work on your part, and makes price shopping online a lot less work. Once the form is submitted, it is quoted with multiple companies and you can pick any one of the returned quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The entire process takes less than 15 minutes and may save quite a bit of money.
In order to find out what other companies charge, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you duplicate the coverages as close as possible to your current policy. Doing this guarantees you will receive comparison quotes based on identical coverages.
How do insurers determine Jeep Compass insurance premiums?
Smart consumers have a good feel for the different types of things that come into play when calculating your insurance coverage rates. If you have a feel for what impacts premium levels, this enables informed choices that may reward you with lower rates. Multiple criteria are part of the equation when pricing auto insurance. A few of the factors are predictable like an MVR report, but some are less obvious such as your marital status and annual miles driven.
The factors shown below are a partial list of the pieces used by your company to calculate your premiums.
- With age comes responsibility – Beginning drivers are statistically proven to be inattentive when at the wheel of a vehicle and because of this, their insurance coverage rates are much higher. If you’ve ever had to add a inexperienced driver onto a policy can increase premiums substantially. Older, more experienced drivers are shown to be more cautious, tend to cause fewer accidents .
- Defend yourself with liability protection – A critical coverage on your policy, liability insurance provides coverage if you are ruled to be at fault for an accident. Liability insurance provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
- Poor driving leads to higher costs – Even a single moving violation can increase the cost of insurance by as much as thirty percent. Careful drivers receive lower rates compared to drivers with tickets. Drivers who get dangerous violations such as DUI, reckless driving or excessive speeding may find that they have to to maintain a SR-22 with their state in order to legally drive a vehicle.
- Battle of the sexes – Statistics have proven that females take fewer risks when driving. Now that doesn’t mean females are better at driving than males. Females and males get in at-fault accidents in similar numbers, but men tend to have more serious accidents. They also receive more major tickets like DUI and reckless driving. Males from age 16 to 21 are several times more likely to be in an accident so they pay the highest premiums.
- Know your credit score – An insured’s credit score is a big factor in determining your rates. If your credit rating is low, you could save money insuring your 2017 Jeep Compass by taking the time to improve your credit score. People that have excellent credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit scores.
- Raise your physical damage deductibles for better premiums – Physical damage insurance, also called ‘full coverage’, insures against damage to your Jeep. Examples of covered claims are a broken side mirror, vandalism, and having your car stolen. Deductibles for physical damage define the amount you are willing to pay if a covered claim is submitted. The more damage repair cost you are required to pay out-of-pocket, the lower your rates will be for Compass coverage.
- Married people drive safer – Being married may earn you lower rates compared to being single. Having a significant other means you’re more responsible and statistics prove drivers who are married file infrequent claims.
- Remove unneeded incidental coverages – Insurance policies have a lot of add-on coverages that you can buy but may not be useful. Insurance for things like coverage for rental cars, accidental death, and extra life insurance coverage are probably not needed. They may seem good when you first buy your policy, but your needs may have changed so get rid of them and save.
When should I discuss my situation with an agent?
When buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.
- Will my rates increase for filing one claim?
- What is roadside assistance coverage?
- Should I bundle my homeowners policy with my auto?
- Is my 2017 Jeep Compass covered for smoke damage?
- How high should deductibles be on a 2017 Jeep Compass?
- Why am I required to get a high-risk car insurance policy?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.
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Knowing the specifics of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages offered by auto insurance companies.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Jeep Compass.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.
This coverage can cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property.
Liability can pay for claims such as repair costs for stationary objects, bail bonds, structural damage and pain and suffering. How much coverage you buy is your choice, but you should buy as much as you can afford.
Auto collision coverage
Collision insurance pays for damage to your Compass from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like rolling your car, driving through your garage door, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like chiropractic care, X-ray expenses and surgery. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as hail damage, damage from a tornado or hurricane and hitting a bird. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Shop smart and save
Throughout this article, we presented a lot of information how to get a better price on 2017 Jeep Compass insurance. The key concept to understand is the more companies you get car insurance rates for, the better chance you’ll have of finding affordable insurance coverage. You may even discover the biggest savings come from a small local company. They may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.
Some companies may not provide price quotes online and many times these smaller providers sell through local independent agencies. Cheaper auto insurance is attainable online in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from.
Much more information about auto insurance is located at the links below
- Prepare your Teens for Safe Driving (InsureUonline.org)
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
- Teen Driving Statistics (iihs.org)
- A Tree Fell on Your Car: Now What? (Allstate)
- What is Covered by GAP Insurance? (Allstate)
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