Cheapest 2016 Jeep Compass Insurance Rates in 2024

Paying more affordable rates for Driversinsurance coverage can be difficult for drivers who are beginners to quoting coverage prices online. Because there are so many online companies, it can turn into a challenge to find the best price.

How to find affordable insurance coverage

There are several ways to shop for insurance coverage, but there is one way that is more efficient than others. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could save time and use online quotes to get the quickest rates.

Most car insurance companies participate in an industry program where prospective buyers enter their policy data once, and each company then returns a price quote based on that information. This system prevents you from having to do quotation requests to each individual insurance coverage company.

To submit your quote information now, click here (opens in new window).

The only downside to getting quotes like this is buyers cannot specifically choose which carriers you want to price. So if you want to select from a list of companies to receive pricing from, we have assembled a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but do your best to enter nearly identical coverage limits with every price quote. If the quotes have mixed coverages you will not be able to find the best deal for your Jeep Compass. Quoting even small variations in coverages could throw off the whole comparison. And when price shopping your coverage, having more price comparisons increases your odds of finding more affordable rates. Some smaller insurers to not give online rate quotes, so you should also compare quotes from them as well.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining whether or not you might need an agent’s assistance.

• Why is insurance for a teen driver so high?
• Can I still get insurance after a DUI?
• Does insurance cover tools stolen from my truck?
• Can my teen driver be rated on a liability-only vehicle?
• Am I covered if I hit a deer?
• Do I get a pro-rated refund if I cancel my policy early?
• Does coverage extend to a rental car in a foreign country?
• Is upholstery damage covered by car insurance?
• Are my friends covered when driving my 2016 Jeep Compass?
• What should my uninsured motorist coverage limits be in my state?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Insurance coverage considerations

Having a good grasp of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for liability

Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things like structural damage, medical services, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

UM/UIM Coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses for things like prosthetic devices, pain medications, ambulance fees, surgery and funeral costs. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This will pay to fix damage to your Compass resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a parking meter, rolling your car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision

This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like fire damage, theft, a tree branch falling on your vehicle and hitting a bird. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Use our FREE quote tool to compare insurance rates now!