Cheap Insurance for a Jeep Compass in Kansas City

Insurance rates Jeep Compass in Kansas CityWant 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.

Jeep Compass Insurance Claim Statistics
Make and 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

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.

Jeep Compass Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $142 $226 $272 $16 $82 $738 $62
Compass Sport 4WD $162 $274 $272 $16 $82 $806 $67
Compass Limited 2WD $162 $274 $272 $16 $82 $806 $67
Compass Limited 4WD $162 $274 $272 $16 $82 $806 $67
Get Your Own Custom Quote Go

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.

Jeep Compass insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $200 $340 $266 $16 $80 $927 $77
Compass Sport 4WD $230 $414 $266 $16 $80 $1,031 $86
Compass Limited 2WD $230 $414 $266 $16 $80 $1,031 $86
Compass Limited 4WD $230 $414 $266 $16 $80 $1,031 $86
Get Your Own Custom Quote Go

Jeep Compass insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $110 $180 $266 $16 $80 $652 $54
Compass Sport 4WD $128 $218 $266 $16 $80 $708 $59
Compass Limited 2WD $128 $218 $266 $16 $80 $708 $59
Compass Limited 4WD $128 $218 $266 $16 $80 $708 $59
Get Your Own Custom Quote Go

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.

Average monthly premium for $100 deductibles: $84
Average monthly premium for $1,000 deductibles (subtract): – $58
Monthly savings from raising deductible: $26
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 35 months

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.Discount auto insurance

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:

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.

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.

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