2013 Jeep Compass Insurance Quotes – 7 Savings Tips

Nobody I know likes having to buy insurance coverage, especially knowing their premiums are through the roof. Drivers have multiple auto insurance companies to purchase coverage from, and although it’s nice to have a selection, it can be more difficult to find the lowest cost provider.

Buying cheaper insurance coverage can be fairly easy. If you have insurance now or need a new policy, you can learn to shop for the lowest rates and possibly find even better coverage. Vehicle owners just need to understand the most efficient way to shop their coverage around over the internet.

Pay less for Jeep Compass insurance

Properly insuring your vehicles can get expensive, but there are discounts available to help bring down the price. Certain discounts will be applied at the time of quoting, but a few need to be specifically requested before being credited. If you’re not getting every credit available, you’re just leaving money on the table.

  • Save over 55 – Mature drivers can possibly qualify for better insurance coverage rates on Compass coverage.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can get savings up to 30%.
  • Sign Online – Certain companies may give you up to $50 just for signing your application digitally online.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Multiple Policy Discount – When you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.

It’s important to understand that most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like comp or med pay. Just because you may think you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. But all discounts will help reduce the amount you have to pay.

Car insurance companies that may offer these benefits include:

Double check with each insurance company which discounts they offer. Discounts might not be offered in every state.

Auto Insurance Prices Online

Shopping for lower auto insurance rates is a ton of work if you don’t understand the fastest way to get free quotes. You can spend your afternoon discussing policy coverages with agents in your area, or you could use the web to get pricing more quickly.

Many companies participate in a marketplace that enables customers to complete one form, and each company then returns a price quote determined by their information. This eliminates the need for form submissions for each company.

To compare pricing click here to open in new window.

The single downside to comparing rates this way is you don’t know exactly which companies to get quotes from. So if you want to select from a list of companies to receive pricing from, we have a page of companies who write auto insurance in your area. View list of insurance companies.

It’s up to you which method you use, but double check that you are using identical deductibles and coverage limits for every quote you compare. If your comparisons have higher or lower deductibles it will be next to impossible to determine the lowest rate for your Jeep Compass.

Tailor your coverage to you

When choosing the best insurance coverage for your vehicles, there is no best way to insure your cars. Each situation is unique so your insurance should reflect that These are some specific questions may help you determine if your situation may require specific advice.

  • If my 2013 Jeep Compass is totaled, can I afford another vehicle?
  • Is my cargo covered for damage or theft?
  • Do I need special endorsements for business use of my vehicle?
  • What happens if I owe more than my 2013 Jeep Compass is worth?
  • Is my 2013 Jeep Compass covered for flood damage?
  • Am I covered if I break a side mirror?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • How do I buy GAP insurance?
  • Should I carry comprehensive and collision coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Insurance coverages 101

Having a good grasp of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types offered by insurance companies.

Collision protection

This pays for damage to your Compass from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2013 Jeep Compass.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, a broken windshield, hitting a bird and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like pain medications, prosthetic devices, chiropractic care, surgery and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Liability auto insurance

This coverage protects you from injuries or damage you cause to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as pain and suffering, repair costs for stationary objects, emergency aid, medical services and court costs. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

In conclusion

Affordable 2013 Jeep Compass insurance can be bought from both online companies and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some insurance providers may not provide the ability to get a quote online and these small, regional companies work with independent agents.

We’ve covered a lot of ways to compare insurance prices online. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with a small mutual company. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like Progressive or Geico.

Additional learning opportunities