Compare 2019 Jeep Compass Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 25, 2024

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Searching for cheaper insurance rates for your Jeep Compass? I doubt anyone likes having to buy insurance, especially when the cost is way too high. Popular companies such as GEICO and Progressive all claim big savings with TV and radio ads and it is difficult to ignore the propoganda and effectively compare rates to find the best deal.

It’s a good idea to compare prices as often as possible since insurance prices fluctuate regularly. Despite the fact that you may have had the best quotes on Compass insurance a year ago you may be paying too much now. Ignore everything you know about insurance because we’re going to demonstrate the best methods to properly buy coverages while reducing your premium.

If you have a policy now or are just looking to switch companies, you will benefit by learning to cut your premiums while maximizing coverage. Finding affordable coverage is not that difficult. Drivers only need an understanding of how to compare rates on the web.

Compare car insurance price quotes online

Performing a rate comparison can be challenging if you don’t know the easiest way. You can waste a lot of time talking about coverages with insurance companies in your area, or you could use the internet to maximize your effort.

Most of the best insurance companies participate in an industry program that allows shoppers to submit one quote, and at least one company can provide price quotes for coverage. This saves time by eliminating repetitive form submissions to each individual car insurance company.

To find out how much you can save on car insurance enter your zip code here.

One minor caveat to doing it this way is you can’t choose the companies to get pricing from. So if you want to select from a list of companies for rate comparison, we have a page of car insurance companies in your area. Click to enter zip code.

The approach you take is up to you, just try to use the exact same coverage data for each comparison quote. If you are comparing mixed coverages it’s impossible to determine which rate is truly the best.

Smart buyers can lower their insurance rates

Many things are considered when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, but some are less apparent like where you live or your commute time.

The following are a few of the things insurance coverage companies consider when setting your rate level.

  • Rural vs Urban Areas – Living in a rural area has it’s advantages when shopping for auto insurance. Fewer drivers and short commutes translates into fewer accident claims and a lower car theft rate. Residents of big cities regularly have more aggressive driving styles and more time behind the wheel. Spending more time driving means more chances of being involved in an auto accident.
  • Vocation and insurance premiums – Did you know your occupation can influence how much you pay for insurance coverage? Jobs such as military generals, air traffic controllers and accountants tend to pay the highest rates in part from intense work requirements and lengthy work days. Other careers like professors, historians and the unemployed pay the least on Compass insurance.
  • Mature drivers save more – Older drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Teen drivers are statistically proven to be inattentive in a vehicle so insurance coverage rates are higher.
  • Guys pay higher rates – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Females and males are in at-fault accidents at about the same rate, but guys cause more damage and cost insurance companies more money. They also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Better credit means lower premiums – A driver’s credit history can be an important factor in determining your rates. Consumers who have high credit scores tend to be better drivers and file fewer claims than those with lower credit ratings. If your credit rating is lower than you’d like, you may save money insuring your 2019 Jeep Compass if you clean up your credit.
  • Discounts for auto and home policies – Most major insurance companies provide discounts to buyers who have multiple policies with them. It’s known as a multi-policy discount. The discount can add up to as much as ten percent or more Even though this discount sounds good, it’s still a good idea to comparison shop to help guarantee you have the best rates.
  • Pay more by driving carelessly – Having a clean driving record can have a huge impact on auto insurance premiums. Only having one ticket can boost insurance rates to the point where it’s not affordable. Careful drivers pay less for auto insurance as compared to careless drivers. Drivers unfortunate enough to have serious violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
  • Reduce insurance coverage rates by driving safer vehicles – Safer cars are cheaper to insure. Safe vehicles reduce injuries and reduced instances of injuries means lower claim amounts passed on to you as lower rates. If your Jeep Compass is rated at a minimum four stars on or an “acceptable” rating on it may be receiving lower rates.

Cheaper rates with discounts

Insuring your vehicles can cost a lot, but there are discounts available to help offset the cost. Some discounts will apply when you quote, but some discounts are required to be requested specifically before they will apply.

  • No Claims – Good drivers with no accidents pay much less in comparison with insureds who have frequent claims or accidents.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will save you 10% or more.
  • Driver Training Discounts – Taking part in a safe driver course is a good idea and can lower rates and easily pay for the cost of the class.
  • Telematics Discount – People who choose to allow their insurance company to track their driving habits remotely like Allstate’s Drivewise could save a few bucks if they exhibit good driving behavior.

As a footnote on discounts, most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comp or med pay. So even though you would think you could get a free insurance policy, companies wouldn’t make money that way.

Insurance companies who may offer most of the discounts above are:

  • Progressive
  • The Hartford
  • Mercury Insurance
  • AAA
  • State Farm

When getting a coverage quote, ask every company the best way to save money. Some of the discounts discussed earlier may not be available in every state.

What is the best car insurance coverage?

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions might help in determining if your situation would benefit from professional advice.

  • If my pet gets injured in an accident are they covered?
  • Do I need an umbrella policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when driving on a suspended license?
  • Does my policy cover my teen driver if they drive my company car?
  • Does coverage extend to Mexico or Canada?
  • Why am I required to buy liability insurance?
  • What is the minimum liability in my state?
  • Do I have any recourse if my insurance company denies a claim?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out your zip code. It is quick, free and may give you better protection.

Insurance coverages explained

Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Jeep Compass.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Comprehensive auto coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, fire damage, hitting a deer and vandalism. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses for rehabilitation expenses, X-ray expenses, hospital visits, funeral costs and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverages – Collision coverage will pay to fix damage to your Compass caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, driving through your garage door, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Auto liability – This will cover damage or injury you incur to other people or property in an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as loss of income, court costs, medical services, bail bonds and medical expenses. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Quote more. Save more.

We’ve covered some good ideas how to reduce 2019 Jeep Compass insurance premium rates online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even find the lowest premium rates come from a small local company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

Budget-friendly insurance coverage is available online and with local insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers may not have price quotes online and most of the time these smaller providers only sell coverage through independent agents.

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