The easiest way to save money on Jeep Compass insurance is to make a habit of comparing prices annually from providers in Jacksonville.
Step 1: Learn about car insurance and the changes you can make to lower rates. Many rating criteria that cause rate increases such as multiple speeding tickets and an imperfect credit history can be rectified by making small lifestyle or driving habit changes. Continue reading for tips to get cheaper rates and find hidden discounts.
Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like GEICO or Allstate, while agents who are independent can provide prices from many different companies.
Step 3: Compare the price quotes to your current policy premium and see if you can save money. If you find a lower rate and switch companies, ensure there is no coverage lapse between policies.
Step 4: Provide notification to your current agent or company to cancel the current policy. Submit payment along with a signed and completed policy application for the new coverage. When you receive it, keep your new certificate of insurance in an accessible location in your vehicle.
One tip to remember is to use similar coverage information on every quote request and and to get price quotes from every company you can. Doing this helps ensure a fair price comparison and a complete selection of prices.
Unfortunately, the vast majority of insurance customers in Florida kept buying from the same company for at least the last four years, and roughly 40% of drivers have never even shopped around for affordable coverage. Drivers in the United States could save themselves about 47% a year just by comparing rates, but most undervalue the large savings they would see if they moved their coverage to a different company.
Getting quotes for the best auto insurance coverage in Jacksonville is quite easy. Basically, every person who is looking for a better price on auto insurance will get a lower-priced policy. But Florida drivers should learn how big insurance companies price online insurance and use this information to your advantage.
Save a ton by taking advantage of discounts
Car insurance is not cheap, but discounts can save money and there are some available that may help make it more affordable. Certain discounts will be applied when you purchase, but less common discounts must be asked about in order for you to get them.
- Government Employee Discount – Active or retired federal employment could provide a small rate reduction with certain companies.
- Early Signing – A few companies offer discounts for switching companies prior to the expiration date on your current Compass insurance policy. You could save around 10% when you buy Jacksonville car insurance online.
- Good Students Pay Less – Performing well in school can save 20 to 25%. Many companies even apply the discount to college students until age 25.
- ABS Brakes – Cars equipped with ABS or steering control can stop better under adverse conditions and the ABS can save up to 10%.
- Fewer Miles Equal More Savings – Fewer annual miles on your Jeep can earn slightly better auto insurance rates than normal.
- Defensive Driver – Taking part in a defensive driver course could earn you a small percentage discount and easily pay for the cost of the class.
- New Car Discount – Adding a new car to your policy can be considerably cheaper since newer models are generally safer.
- Early Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you may have a lower total premium amount.
- Air Bags and Passive Restraints – Factory options such as air bags or automatic seat belts may earn rate discounts of 20% or more.
- Mature Driver Discount – If you’re over the age of 55, you may qualify for a discount up to 10%.
Don’t be shocked that many deductions do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like all those discounts means the company will pay you, that’s just not realistic.
The example below shows the comparison of Jeep Compass insurance premiums with and without discounts applied to the premium. The premiums assume a female driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, claim-free, homeowner, and marriage discounts applied.
Auto insurance companies that may include most of the discounts above may include but are not limited to:
If you are trying to find the cheapest Jeep Compass rate quotes, ask all the companies which discounts can lower your rates. Some discounts listed above may not apply to policyholders everywhere. To choose insurers who offer free Jeep Compass insurance quotes in Jacksonville, click this link.
Buy Jacksonville Jeep Compass insurance online
Most larger insurance companies such as Allstate and Progressive provide insurance quotes online. Comparing prices online for Jeep Compass insurance in Jacksonville is fairly straightforward as you simply enter your coverage preferences as detailed in the form. After you submit the form their rating system gets your driving and credit reports and generates pricing information.
Being able to quote online for Jeep Compass insurance in Jacksonville streamlines rate comparisons, and it’s also necessary to get many rate quotes if you are searching for the lowest payment on insurance.
To find out how much you can save on insurance, compare rates from the companies below. If you have your current policy handy, we recommend you copy coverages and limits identical to your current policy. This guarantees you will receive a fair comparison for similar insurance coverage.
The companies shown below can provide comparison quotes in Jacksonville, FL. If multiple providers are shown, we recommend you click on several of them in order to find the lowest rates.
Insurance statistics for a Jeep Compass
The coverage table below highlights different coverage prices for Jeep Compass models. Being aware of how car insurance prices are determined can be of help when making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Compass Sport 2WD | $224 | $414 | $504 | $30 | $152 | $1,324 | $110 |
| Compass Sport 4WD | $256 | $504 | $504 | $30 | $152 | $1,446 | $121 |
| Compass Limited 2WD | $256 | $504 | $504 | $30 | $152 | $1,446 | $121 |
| Compass Limited 4WD | $256 | $504 | $504 | $30 | $152 | $1,446 | $121 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Information does not factor in vehicle location which can decrease or increase premium rates greatly.
The chart below shows how different deductible levels and can affect Jeep Compass annual premium costs for different categories of driver ages. The data is based on a married female driver, full physical damage coverage, and no policy discounts are applied.
Drive responsibly or pay higher rates
The chart below shows how violations and at-fault claims can influence Jeep Compass yearly insurance costs for each age group. The information is based on a married male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
Jeep Compass liability-only versus full coverage
The example below shows the comparison of Jeep Compass insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no claims, a clean driving record, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
When to stop buying full coverage
There isn’t a written rule for eliminating full coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s say your Jeep Compass replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $8,000 after paying your policy deductible. If it’s costing in excess of $800 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some situations where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you have to keep full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Local neighborhood agents and auto insurance
Some consumers still like to buy from a licensed agent and doing that can be a smart decision One of the best bonuses of getting online price quotes is the fact that you can find cheap auto insurance quotes and still buy from a local agent. And providing support for neighborhood insurance agencies is especially important in Jacksonville.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information gets sent to agents in your area that give free quotes and help you find cheaper coverage. You won’t need to leave your house since rate quotes are delivered straight to your inbox. You’ll get the best rates without requiring a lot of work. In the event you want to compare prices from a specific company, you can always find their quoting web page and fill out their quote form.
When looking for a local insurance agency, there are a couple of different types of agents that you can choose from. Auto insurance policy providers are categorized either exclusive or independent agents depending on their company appointments.
Independent Agents
These type of agents are not restricted to one company so they can write business with many different companies and find the cheapest rate. If you want to switch companies, your agent can switch companies and you don’t have to find a new agent. If you are trying to find cheaper rates, we recommend you get quotes from at a minimum one independent agency so that you have a good selection of quotes to compare. Many can place coverage with companies that do not advertise much that may provide cheaper auto insurance rates.
Shown below are Jacksonville independent agents who can help you get pricing information.
- Beans Insurance Agency, LLC
3041 Dunn Ave – Jacksonville, FL 32218 – (904) 766-1995 – View Map - Zellner Insurance Agency
4114 Sunbeam Rd #101 – Jacksonville, FL 32257 – (904) 356-1492 – View Map - Luten Insurance Agency
3811 Blanding Blvd – Jacksonville, FL 32210 – (904) 771-6400 – View Map
Exclusive Agencies
These agents can usually just insure with one company and examples are Allstate, State Farm and Farmers Insurance. Exclusive agents cannot provide rate quotes from other companies so keep that in mind. They are highly trained in insurance sales and that enables them to sell even at higher rates. Some consumers prefer to buy from exclusive agents primarily because of the brand legacy and solid financial strength.
Shown below are exclusive insurance agents in Jacksonville that are able to give price quote information.
- Bill Pool – State Farm Insurance Agent
7025 Normandy Blvd – Jacksonville, FL 32205 – (904) 781-3800 – View Map - Bob Gibbs – State Farm Insurance Agent
5495 Fort Caroline Rd – Jacksonville, FL 32277 – (904) 744-2702 – View Map - Therese Quinn – State Farm Insurance Agent
1944 Southside Blvd – Jacksonville, FL 32216 – (904) 724-6040 – View Map
Choosing the best insurance agent should include more criteria than just a low price. Agents should be asked these questions:
- Which companies can they place coverage with?
- Which companies do they recommend if they are an independent agency?
- Does the agent help file claims?
- Do they prorate repair cost based on vehicle mileage?
- How long have they been in business?
- Is the agent and/or agency licensed to do business in Florida?
- Which insurance company do they prefer to write with?
If you get positive feedback for all questions you ask and inexpensive Jeep Compass insurance in Jacksonville quotes, you may have found an insurance agent that is reliable enough to properly service your auto insurance policy. Just remember you have the power to cancel coverage at any time so don’t feel that you are permanently stuck with a policy for a certain time period.
Persistence will pay off
You just read quite a bit of information on how to find lower-cost Jeep Compass insurance in Jacksonville. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even be surprised to find that the best price on auto insurance is with a lesser-known regional company.
Drivers who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, delays in paying claims, high prices and being labeled a high risk driver. Regardless of your reason, finding a great new company can be pretty painless.
Some insurance providers do not offer internet price quotes and most of the time these small, regional companies only sell through independent insurance agents. Budget-conscious Jeep Compass insurance can be found both online and from local agencies, and you need to price shop both in order to have the best price selection to choose from.
Additional information is located below:
- Where can I buy Insurance? (Insurance Information Institute)
- How Much are Jacksonville Car Insurance Quotes for Single Moms? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Kia Forte in Jacksonville? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers with Bad Credit in Jacksonville? (FAQ)
- Alcohol Impaired Driving FAQ (iihs.org)
- Safe Vehicles for Teens (iihs.org)
- Auto Insurance Facts and Statistics (Insurance Information Institute)