Cheap 2015 Jeep Compass Insurance Cost

Are you a victim of an overpriced auto insurance policy? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.

Many car insurance companies compete for your insurance dollar, and because of this it can be hard to compare car insurance companies to find the absolute best price available.

The best way to compare rates is to know the trick most of the larger companies pay for the opportunity to give rate comparisons. To get started, all you need to do is give them rating details like if the car is leased, whether the vehicles are used for commuting, your education level, and if you’re married. That information is then sent to multiple companies and they provide comparison quotes almost instantly.

To get price quotes for your 2015 Jeep Compass, click here and enter your coverage details.

How do I know if I need professional advice?

When choosing the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique so your insurance should reflect that These are some specific questions might help in determining whether or not you would benefit from an agent’s advice.

  • Does my car insurance cover rental cars?
  • Is my trailer covered?
  • Do I need an umbrella policy?
  • Is my dog or cat covered if injured in an accident?
  • How can I get high-risk coverage after a DUI?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered if I drive in a foreign country?
  • What is medical payments coverage?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Specific coverages for a Jeep Compass

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for expenses such as EMT expenses, hospital visits, pain medications and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage

Collision coverage pays for damage to your Compass from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, damaging your car on a curb, driving through your garage door, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hail damage, rock chips in glass and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Liability insurance

This coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like court costs, repair bills for other people’s vehicles, pain and suffering, structural damage and loss of income. How much liability coverage do you need? That is up to you, but buy higher limits if possible.