2021 Jeep Compass Insurance Cost in 2024 – 8 Ideas for Cheaper Prices

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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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Have you finally had enough of wondering where the money will come from to keep your car insured? You are no different than many other vehicle owners. Vehicle owners have multiple car insurance companies to buy insurance from, and even though it’s nice to be able to choose, more choices can make it harder to find the lowest cost provider.

Finding affordable coverage is not that difficult. If you have insurance now or are just looking to switch companies, you will benefit by learning to shop for the lowest rates and still get good coverage. Drivers only need an understanding of the most efficient way to compare price quotes online.

Buy insurance online

Effectively comparing insurance prices can be challenging if you don’t know the fastest way to get free quotes. You can waste a few hours (or days) driving to insurance agencies in your area, or you could save time and use the web to get prices fast.

All the larger companies are enrolled in a marketplace where insurance shoppers complete one form, and every company returns a competitive quote based on the submitted data. This saves time by eliminating quote requests to each company.

To compare pricing enter your zip code here.

The single downside to comparing rates this way is you can’t choose the insurers to receive prices from. If you would rather choose individual companies to compare, we have a page of the cheapest insurance companies in your area. Click to enter zip code.

The method you choose is up to you, but make sure you are using the same information for every company. If your comparisons have different data it will be next to impossible to determine which rate is truly the best.

More discounts mean cheap premiums

Some insurance providers don’t list all discounts in a way that’s easy to find, so below is a list a few of the more well known as well as the least known auto insurance savings. If you’re not getting every credit you qualify for, you are throwing money away.

  • Smart Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Early Switch Discount – Select insurance companies give a discount for switching policies before your current policy expires. You may see this discount when you get car insurance quotes online.
  • Discount for Life Insurance – If the company offers life insurance, you could get a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Driver Training Discounts – Taking a safe driver course could cut 5% off your bill depending on where you live.
  • Payment Method – If you pay your bill all at once as opposed to paying monthly you can avoid monthly service charges.
  • ABS Braking Discount – Vehicles with ABS braking systems or traction control can stop better under adverse conditions so companies give up to a 10% discount.
  • Onboard Data Collection – People who choose to allow driving data submission to look at vehicle usage through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they exhibit good driving behavior.
  • Bundled Policy Discount – If you can bundle your auto and home insurance with the same insurance company you will save nearly 15% which can help you find cheap car insurance.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Companies and their possible discounts are included below.

  • State Farm offers discounts for good driver, safe vehicle, anti-theft, multiple policy, and driver’s education.
  • Progressive discounts include good student, online signing, multi-vehicle, online quote discount, and homeowner.
  • Progressive may have discounts that include continuous coverage, online signing, multi-vehicle, homeowner, good student, and multi-policy.
  • MetLife may include discounts for defensive driver, accident-free, good driver, multi-policy, good student, and claim-free.
  • Farm Bureau has savings for 55 and retired, good student, multi-vehicle, driver training, and renewal discount.
  • GEICO offers discounts including military active duty, defensive driver, five-year accident-free, emergency military deployment, anti-lock brakes, daytime running lights, and driver training.
  • SAFECO policyholders can earn discounts including teen safe driver, accident prevention training, bundle discounts, drive less, anti-lock brakes, anti-theft, and safe driver.

When getting free car insurance quotes, it’s a good idea to each insurance company to give you their best rates. Some credits may not be available in your area. To see a list of providers that offer the discounts shown above, enter your zip code here.

It’s not one size fits all

When choosing the right insurance coverage, there is no cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if you might need an agent’s assistance.

  • What is no-fault insurance?
  • When can I cancel my policy?
  • Is my Jeep Compass covered if I use it for business?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my ex-spouse still covered by my policy?
  • How can I get my company to pay me more for my totalled car?
  • Why am I required to get a high-risk car insurance policy?
  • Are my friends covered when driving my 2021 Jeep Compass?
  • Is pleasure use cheaper than using my 2021 Jeep Compass to commute?
  • Why do I need rental car insurance?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and enter your zip code. It is quick, free and can provide invaluable advice.

Auto insurance coverages explained

Understanding the coverages of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages available from auto insurance companies.

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, colliding with a tree, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Liability insurance

This coverage protects you from damage that occurs to people or other property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability coverage protects against things such as repair bills for other people’s vehicles, funeral expenses and structural damage. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses such as dental work, ambulance fees, chiropractic care, nursing services and prosthetic devices. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from flooding, falling objects, damage from a tornado or hurricane and theft. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

More comparisons equals lower rates

As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.

Some insurance companies do not offer rate quotes online smaller providers only sell through local independent agents. Cheaper insurance is possible both online in addition to many insurance agents, and you should compare rates from both to have the best chance of lowering rates.

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