Cheap Insurance for a Jeep Compass in Kansas City

Want to learn a better way to compare the cheapest Jeep Compass insurance in Kansas City? Finding the cheapest insurance for a Jeep Compass in Missouri can turn out to be an all-consuming task, but you can follow our car insurance buying tips to find lower rates.

There is a right way and a wrong way to find car insurance online and we’ll show you the best way to price shop coverage for your Jeep and get the lowest price.

You should make it a habit to get comparison quotes as often as possible because car insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest price on Jeep Compass insurance in Kansas City a couple years back you will most likely find a better rate quote today. There is a lot of bad advice regarding Compass insurance out there, but we’re going to give you some great ways to put money back in your pocket.

Six Things That Affect Your Insurance Costs

When buying car insurance it’s important to understand the different types of things that help determine your premiums. When you understand what impacts premium levels, this empowers consumers to make smart changes that can help you get lower rates. Lots of factors are used in the calculation when you get a price on insurance. A few of the factors are predictable such as traffic violations, but other factors are less obvious like where you live or your financial responsibility.

Don’t abuse insurance claims – If you are the type of insured that files lots of claims you can expect either a policy non-renewal or much higher rates. Companies in Missouri generally give discounts to people that do not abuse their auto insurance. Auto insurance is designed for the large, substantial claims.

Type of car, truck or SUV determines base costs – The make and model of the car, truck or SUV you need to insure makes a big difference in your car insurance bill. The lowest base rates will generally be found on the lowest performance passenger cars, but your final cost has many other factors.

The next chart uses these assumptions: married female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Jeep Compass policy rates compared to other models of vehicles that have a range of performances.

Cheaper rates by bundling – Most larger car insurance companies apply lower prices to customers who have multiple policies with them in the form of a multi-policy discount. Discounts can amount to ten or even fifteen percent. If you currently are using one company, it’s always a smart idea to shop around to ensure the best deal.

Is your vehicle theft-ready? – Selecting a car model with a theft deterrent system can save you a little every year. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent auto theft and help lower rates.

Rural areas have lower prices – Choosing to live in a small town may provide you with better prices when insuring your vehicles. People who live in big cities have to deal with congested traffic and a longer drive to work. Fewer people corresponds to lower accident rates and a lower car theft rate.

Poor driving leads to higher prices – Good drivers receive lower rates than people who have multiple driving citations. Even one citation may increase your cost by as much as twenty percent. Drivers who have multiple citations such as reckless driving or DUI are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to legally drive.

The illustration below illustrates how violations and at-fault accidents impact Jeep Compass insurance premiums for different ages of insureds. The data is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

Insurance loss data for a Jeep Compass – Companies use claims history as a tool for profitable underwriting. Models that historically have higher number or severity of losses will have higher rates for specific coverages.

The table below shows the insurance loss data for Jeep Compass vehicles. For each coverage type, the claim probability for all vehicles, regardless of make or model, is set at 100. Numbers under 100 mean the vehicle has better than average losses, while numbers above 100 show a trend for more claims or an increased likelihood of larger losses.

Auto insurance analysis for a Jeep Compass

The coverage table displayed below highlights a range of insurance policy prices for Jeep Compass models. Learning more about how insurance prices are calculated can assist in making smart choices when comparing insurance rates.

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Prices do not factor in your specific Kansas City location which can revise coverage rates significantly.

An analysis of deductible level

One frequently asked question is how high should the deductibles for physical damage be. The following tables determine the differences in premium rates when you buy lower versus higher physical damage deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rate information does not factor in specific garaging location which can increase or decrease premium rates considerably.

Using the data above, we can ascertain that using a $100 deductible will cost you about $26 more each month or $312 each year across all Jeep Compass models than buying the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 35 months between claim filings, you would save money by selecting a higher deductible. Below is an example of how this decision is made.

Age-based auto insurance rates by gender in Kansas City

The information below shows the comparison of Jeep Compass insurance costs for male and female drivers. The prices are based on no claims, a clean driving record, full physical damage coverage, $500 deductibles, marital status is single, and no other discounts are factored in.

Auto insurance discounts help lower rates for Jeep Compass insurance in Kansas City

Some insurance providers do not list every discount available very well, so the list below gives a summary of some of the best known and also the more inconspicuous credits available to you. If you check and find you aren’t receiving every discount possible, you are not getting the best rate possible.

• Senior Discount – Older drivers may qualify for better auto insurance rates.
• Government Employee Discount – Simply working for the federal government could qualify for a slight premium decrease but check with your company.
• Clubs and Organizations – Affiliation with certain professional organizations could earn you a nice discount when getting a Kansas City car insurance quote.
• No Claim Discounts – Good drivers with no accidents pay much less as opposed to policyholders that have many claims.
• Multiple Cars – Insuring more than one vehicle on the same auto insurance policy can get a discount for every vehicle.
• Buy New and Save – Insuring a vehicle that is new can save you some money since newer models are generally safer.
• Home Ownership Discount – Owning a house in Kansas City can save a few bucks because maintaining a house means you have a higher level of financial diligence.
• Paperwork-free – Some companies will provide an incentive get Kansas City car insurance on the internet.
• Driver Training Discounts – Taking a defensive driver class could earn you a small percentage discount depending on where you live.

Discounts lower rates, but most credits do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

The illustration below shows the comparison of Jeep Compass car insurance rates with and without discounts. The information is based on a female driver, no accidents or driving violations, Missouri state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, marriage, claim-free, and multi-car discounts applied.

Larger auto insurance companies and their possible discounts include:

• Farm Bureau has discounts for safe driver, youthful driver, 55 and retired, driver training, renewal discount, and multi-policy.
• Liberty Mutual may have discounts that include multi-car, exclusive group savings, new graduate, new vehicle discount, good student, newly married, and new move discount.
• State Farm offers discounts including defensive driving training, accident-free, Steer Clear safe driver discount, good driver, and good student.
• Auto-Owners Insurance may include discounts for anti-lock brakes, student away at school, teen driver, air bags, paperless, mature driver, and good student.
• GEICO may offer discounts for five-year accident-free, military active duty, daytime running lights, federal employee, and emergency military deployment.
• SAFECO policyholders can earn discounts including teen safe driver, anti-lock brakes, accident prevention training, safe driver, and drive less.

If you want the cheapest Jeep Compass rate quotes, ask every prospective company which discounts can lower your rates. Some discounts might not be offered on policies in Kansas City. To see a list of companies who offer auto insurance discounts in Kansas City, click here.

Don’t give up on affordable rates

You just learned many ways to save on Jeep Compass insurance in Kansas City. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers could even find that the lowest prices come from an unexpected company.

While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced uninsured motorist or liability limits only to find out that it was a big mistake. The ultimate goal is to buy a smart amount of coverage for the lowest price, but do not skimp to save money.

The cheapest Jeep Compass insurance in Kansas City is possible both online and from local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies don’t offer price quotes online and most of the time these regional carriers work with independent agencies.

Steps to saving money on Jeep Compass insurance in Kansas City

If you want to find the absolute lowest rates, then the best way to get affordable Jeep Compass insurance is to compare prices once a year from companies in Kansas City. Rate comparisons can be done by completing these steps.

• First, try to understand how insurance works and the measures you can take to keep rates down. Many rating factors that cause high rates like your driving record and a bad credit rating can be improved by being financially responsible and driving safely.
• Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO and Allstate, while agents who are independent can give you price quotes from multiple insurance companies.
• Third, compare the new rate quotes to the price on your current policy and see if you can save money. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.
• Fourth, give proper notification to your current agent or company of your intention to cancel your current auto insurance policy. Submit the signed application along with the required initial payment to your new agent or company. As soon as coverage is bound, keep the new certificate verifying proof of insurance in an accessible location in your vehicle.

A good piece of advice is to use the same coverage limits and deductibles on every price quote and and to get rates from as many car insurance companies as possible. This helps ensure an apples-to-apples comparison and many rates to choose from.

Helpful information

• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
• Who Has Affordable Car Insurance Rates for Drivers Over Age 50 in Kansas City? (FAQ)
• How Much is Kansas City Auto Insurance for Single Moms? (FAQ)
• Who Has the Cheapest Kansas City Auto Insurance Quotes for Drivers with a DUI? (FAQ)
• Uninsured Motorist Statistics (Insurance Information Institute)
• Child Safety Seats (Insurance Information Institute)
• How do I File a Claim? (Insurance Information Institute)