View 2011 Jeep Compass Car Insurance Quotes

Trying to find lower auto insurance rates for your Jeep Compass? Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Say no more because many drivers have buyer’s remorse. Vehicle owners have so many insurance companies to purchase coverage from, and although it’s a good thing to have multiple companies, too many choices makes it more difficult to compare rates and cut insurance costs.

It is always a good idea to compare premium rates before your next renewal because prices tend to go up over time. Just because you found the best rate for Compass coverage last year there is a good chance you can find better premium rates now. Forget all the misinformation about auto insurance because you’re going to get a crash course in the proper way to lower your annual insurance bill.

Don’t overlook these car insurance discounts

Some providers don’t always list all their discounts in an easy-to-find place, so we took the time to find a few of the more well known as well as the least known car insurance savings.

• Auto/Life Discount – Select companies reward you with lower car insurancerates if you buy some life insurance too.
• More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
• Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will qualify for a discount on a auto insurance quote.
• No Accidents – Insureds with no claims or accidents pay much less as opposed to bad drivers.
• Good Students Pay Less – Being a good student may save as much as 25% on a auto insurance quote. This discount can apply up to age 25.
• Discount for Swiching Early – Some larger companies give discounts for switching to them prior to the expiration date on your current policy. You can save around 10% with this discount.
• Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts can save 10% or more off PIP or medical payments premium.
• Passenger Safety Discount – Cars that have air bags or automatic seat belts can get savings of 20 to 30 percent.
• Buy New and Save – Insuring a new car may earn a small discount compared to insuring an older model.

Policy discounts save money, but most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts should help reduce your overall premium however.

Some companies that may have many of the previously listed discounts include:

• State Farm
• Nationwide
• Geico
• AAA
• 21st Century
• The Hartford

When getting free auto insurance quotes, it’s a good idea to all companies you are considering which discounts they offer. Some of the earlier mentioned discounts may not apply to policyholders in your area. To see providers who offer online car insurance quotes, click here to view.

The quickest method to compare policy rates takes advantage of the fact most larger insurance companies will pay a fee to compare their rates. To get started, all you need to do is provide a small amount of information like which vehicles you own, how much coverage you want, if the vehicle is leased, and if you’re married. Your insurance information is instantly provided to many different companies and they provide comparison quotes with very little delay.

If you would like to compare rates now, click here and complete the form.

When to get professional advice

When buying the best insurance coverage coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can help discover whether you will benefit from professional help.

• What is no-fault insurance?
• What is roadside assistance coverage?
• How do I file an SR-22 for a DUI in my state?
• Will filing a claim cost me more?
• What companies insure drivers after a DUI or DWI?
• Do I pay less for low miles?
• Does my liability insurance cover pulling a trailer or camper?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and can provide invaluable advice.

Insurance specifics

Knowing the specifics of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Jeep Compass.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for bills such as nursing services, dental work, hospital visits, prosthetic devices and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage covers damage to your Compass from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, scraping a guard rail, hitting a parking meter, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, theft and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage

This protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like bail bonds, court costs, structural damage, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Make a quick buck

The cheapest 2011 Jeep Compass insurance is possible online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not provide online rate quotes and these small insurance companies provide coverage only through independent agents.

Throughout this article, we presented quite a bit of information on how to get a better price on 2011 Jeep Compass insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest priced insurance coverage comes from a smaller regional carrier. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

For more information, link through to the following helpful articles:

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Auto Insurance 101 (About.com)
• Understanding your Policy (NAIC.org)
• Cellphones, Texting and Driving (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)