Searching for the cheapest insurance for a Jeep Compass in Texas can normally be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to find car insurance online so we're going to tell you the quickest way to price shop coverage on a Jeep and get the cheapest rates.
It's amazing but almost 70% of insureds in Texas kept their policy with the same company for at least the last four years, and nearly the majority have never even compared quotes to find affordable rates. Many consumers in the United States could save $859 a year, but they don't believe the actual amount they would save if they just switched companies.
The method we recommend to get rate comparisons for Jeep Compass insurance in San Antonio is to know almost all companies will pay a fee to compare rate quotes. The only thing you need to do is provide a little information including your job, if you require a SR-22, if you went to college, and which vehicles you own. Your information is then submitted to many different companies and they return quotes almost instantly.
If you wish to get multiple quotes for your Jeep Compass now, click here and see if a lower rate is available in San Antonio.
The car insurance companies shown below provide price comparisons in San Antonio, TX. If multiple companies are listed, it's a good idea that you click on several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Compass Sport 2WD||$204||$378||$462||$28||$138||$1,210||$101|
|Compass Sport 4WD||$254||$486||$400||$24||$120||$1,284||$107|
|Compass Limited 2WD||$252||$492||$358||$22||$108||$1,232||$103|
|Compass Limited 4WD||$272||$400||$500||$30||$150||$1,352||$113|
|Get Your Own Custom Quote Go|
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in your specific San Antonio location which can decrease or increase premium rates considerably.
Jeep Compass insurance rates by age and gender
The diagram below shows the difference between Jeep Compass auto insurance costs for male and female drivers. The data assumes no claims, a clean driving record, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no policy discounts are applied.
Where to set your deductibles
The example below illustrates how choosing a deductible and can affect Jeep Compass premium costs for different age groups. Data assumes a single male driver, comp and collision included, and no additional discounts are factored in.
Rate comparison of full coverage and liability-only
The chart below illustrates the comparison of Jeep Compass insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no claims or driving violations, $250 deductibles, married male driver, and no additional discounts are factored in.
Guidelines for dropping full coverage
There is no definitive guideline to drop physical damage coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let's say your Jeep Compass claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $3,000 after the policy deductible has been paid. If it's costing in excess of $300 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are some situations where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should maintain full coverage.
Insurance is not optional
Even though it's not necessarily cheap to insure a Jeep in San Antonio, insurance is required in Texas but it also protects you in many ways.
- Almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Jeep, almost all lenders will stipulate that you have comprehensive coverage to guarantee payment of the loan. If you let the policy lapse, the bank or lender will purchase a policy for your Jeep for a much higher rate and force you to reimburse them for it.
- Insurance preserves your Jeep Compass and your assets. It will also reimburse you for medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also covers legal expenses if you are named as a defendant in an auto accident. If your Jeep gets damaged, comprehensive and collision coverage will pay to repair the damage.
The benefits of insuring your Compass are without a doubt worth the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is overpaying more than $810 a year so shop around at least once a year to ensure rates are competitive.
Why Informed Drivers Pay Less for Jeep Compass Insurance
Many factors are taken into consideration when you get your auto insurance bill. Some are pretty understandable such as your driving history, but other factors are less apparent like your vehicle usage or your commute time. An important part of buying insurance is that you know the rating factors that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates, this allows you to make good choices that will entitle you to lower auto insurance prices.
The list below includes just a few of the factors auto insurance companies consider when setting prices.
Only buy extra policy coverages you need - There are a ton of extra add-on coverages you can purchase if you don't pay attention. Things like coverage for rental cars, death and dismemberment, and Farm Bureau memberships could be just wasting money. The coverages may be enticing when talking to your agent, but your needs may have changed so get rid of them and save.
Don't abuse insurance claims - If you file a lot of claims you can look forward to higher premiums or even policy non-renewal. Insurance companies in Texas provide better rates to policyholders who do not rely on their insurance for small claims. Insurance coverage is intended for claims that pose a financial burden.
Five star NHTSA crash test rating saves money - Vehicles with good safety scores tend to be cheaper to insure. Safe vehicles reduce injuries and lower injury rates translates directly to fewer claims and thus lower rates. If your Jeep is rated at least four stars on Safercar.gov or an "acceptable" rating on iihs.org you may qualify for a discount.
Raise coverage deductibles and save - Physical damage coverage, also called 'full coverage', is used to repair damage to your vehicle. Examples of some claims that would be covered are a dented fender, hitting a deer, and rolling your vehicle. Physical damage deductibles define how much you are willing to pay if the claim is covered. The higher the amount you're willing to pay, the less money you will pay for auto insurance.
Driving citations are costly - Drivers who don't get tickets get better rates compared to bad drivers. Having just one chargeable violation can boost insurance rates by twenty percent. Drivers who have received serious violations such as DUI or willful reckless driving may find that they have to to maintain a SR-22 with their state DMV in order to keep their license.
Buy as much liability insurance as you can afford - The liability coverage on your policy is the protection when a court rules you are at fault for personal injury or accident damage. Liability provides legal defense to attempt to prove you were not liable. Liability insurance is quite affordable compared to other policy coverages, so drivers should carry high limits.
Miles impacts premiums - The more you drive annually the more you'll pay to insure it. Many insurance companies price each vehicle's coverage based upon how the vehicle is primarily used. Cars that are left in the garage get more affordable rates than those that get driven frequently. Improper usage on your Compass is just wasting money. Double check that your policy reflects the proper vehicle usage.
Rates can drop if you have more than one policy - The majority of insurers allow discounts to people who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount, you may still want to compare other San Antonio Compass insurance rates to help guarantee you have the best rates. Drivers may still save even more by buying from different companies
Insurance losses for a Jeep Compass - Auto insurance companies include the past claim history for a vehicle to help determine the rate you pay. Vehicles that the data shows to have higher losses will have higher rates for specific coverages. The data below shows the historical insurance loss data for Jeep Compass vehicles.
For each coverage category, the claim amount for all vehicles, regardless of make, model or trim level, is set at 100. Percentages below 100 indicate a favorable loss history, while numbers that are greater than 100 point to more frequent losses or statistically larger losses.
Jeep Compass Insurance Claim Statistics
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Jeep Compass 4dr 2WD||87||135||58||128||124||142|
|Jeep Compass 4dr 4WD||76||114||63||99||107||106|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Discounts for cheap car insurance rates
Some providers don't always list all discounts very clearly, so below is a list some of the best known as well as some of the hidden savings tricks you should be using when you buy San Antonio auto insurance online.
- Organization Discounts - Being a member of qualifying clubs or civic groups is a simple method to lower premiums when shopping for car insurance.
- Student in College - Youth drivers who are attending college and won't have access to an insured vehicle could get you a discount.
- Air Bag Discount - Vehicles equipped with air bags or automatic seat belts could see savings as much as 30%.
- Discounts for Good Drivers - Drivers who avoid accidents can save up to 40% or more on their San Antonio auto insurance quote as compared to drivers with claims.
- Telematics Data - Insureds that choose to allow driving data collection to study driving patterns by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as they are good drivers.
- Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.
- Theft Deterrent System - Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and will qualify for a discount on a San Antonio auto insurance quote.
- Lower Rates for Military - Being on active duty in the military could be rewarded with lower car insurance rates.
Discounts lower rates, but many deductions do not apply to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. Even though it appears all the discounts add up to a free policy, you aren't that lucky.
A few companies who might offer these benefits include:
If you need the cheapest Jeep Compass rate quotes, ask each company how you can save money. Discounts may not be offered in San Antonio. To choose insurers that offer some of these discounts in Texas, click this link.
Exclusive or independent car insurance agents
Some people just prefer to visit with an insurance agent and we recommend doing that Professional agents can help you build your policy and will help you if you have claims. An additional benefit of comparing rates online is the fact that drivers can get cheap car insurance rates but also keep your business local.
Upon completion of this short form, your coverage information is submitted to participating agents in San Antonio who will return price quotes to get your business. It simplifies rate comparisons since you won't have to visit any agencies because quoted prices will be sent to your email. If you need to get a rate quote for a specific company, just jump over to their website and submit a quote form there.
Finding a good insurer should depend on more than just the quoted price. These questions are important to ask:
- If independent agents, which companies do they recommend?
- Do they reduce claim amounts on high mileage vehicles?
- When do they do policy reviews?
- Can you use your own choice of collision repair facility?
- Is the agency involved in supporting local community causes?
- Do you qualify for any additional discounts?
What type of San Antonio auto insurance agent is right for you?
If you are searching for a reliable insurance agent, there are a couple of types of agencies that you can select. San Antonio agents are either independent agents or exclusive agents. Both types can provide car insurance policies, but it's a good idea to understand how they differ since it can impact which agent you choose.
These type of agents normally can only provide a single company's rates and examples are Allstate, AAA, Farmers Insurance, and State Farm. These agents are not able to compare other company's rates so you might not find the best rates. Exclusive insurance agents are trained well on their company's products which helps them compete with independent agents. Consumers sometimes buy from the same agent for years primarily because of the prominent brand name rather than having low rates.
Shown below are San Antonio exclusive agencies willing to provide rate quotes.
- Juan Garcia - State Farm Insurance Agent
2, 407 N Zarzamora - San Antonio, TX 78207 - (210) 438-5826 - View Map
- Betsy Dippo - State Farm Insurance Agent
19190 Stone Oak Pkwy #112 - San Antonio, TX 78258 - (210) 496-3276 - View Map
- State Farm: Allen Kaufmann
1583 Thousand Oaks - San Antonio, TX 78232 - (210) 496-5616 - View Map
Independent Car Insurance Agents
Agents in the independent channel are not employed by one company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. If they quote lower rates, they can switch companies in-house without you having to go to a different agency.
If you need cheaper car insurance rates, you will definitely want to get some free quotes from a few independent agents to maximize your price options. Most have the option of insuring with less well-known companies which may provide better rates.
Below are independent insurance agencies in San Antonio who can help you get price quote information.
- A.R.M. Insurance Agency
1534 W Contour Dr #101 - San Antonio, TX 78212 - (210) 828-7873 - View Map
- IBC Insurance Agency Ltd
5300 Walzem Rd - San Antonio, TX 78218 - (210) 646-9870 - View Map
- Toubin Insurance Agency
7410 Blanco Rd #385 - San Antonio, TX 78216 - (210) 446-0109 - View Map
Cover all your bases
Affordable Jeep Compass insurance in San Antonio can be found on the web and with local San Antonio insurance agents, and you need to price shop both to have the best selection. A few companies do not offer the ability to get quotes online and usually these regional carriers prefer to sell through independent insurance agencies.
Insureds change insurance companies for a variety of reasons including policy non-renewal, extreme rates for teen drivers, lack of trust in their agent and an unsatisfactory settlement offer. Regardless of your reason, finding the right auto insurance provider is not as difficult as it may seem.
We just showed you many ways to lower your Jeep Compass insurance premium rates in San Antonio. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the most savings is with a small local company.
Additional information is available at these links:
- Auto Insurance Basics (Insurance Information Institute)
- Who Has the Cheapest Texas Auto Insurance Rates for a Hyundai Sonata? (FAQ)
- What is the Cheapest Car Insurance in Killeen, Texas? (FAQ)
- Who Has Cheap Car Insurance for a Nissan Sentra in Texas? (FAQ)
- How Much are Auto Insurance Rates for Low Credit Scores in Texas? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Business Use in Texas? (FAQ)
- Who Has Affordable Auto Insurance Rates for 16 Year Olds in Texas? (FAQ)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Young Drivers: The High Risk Years Video (iihs.org)
- Child Safety Seats (Insurance Information Institute)