Auto Insurance Quotes for a Jeep Compass in Dallas

Insurance for Jeep CompassSearching for cheaper Dallas Jeep Compass insurance quotes might seem somewhat difficult for beginners to comparing prices on the web. Because there are so many companies competing online, how can anyone be able to compare every car insurance company to find the lowest price available?

A recent study revealed that the vast majority of consumers have stayed with the same insurance company for at least four years, and just short of a majority have never compared rate quotes at all. Texas insurance shoppers could save up to $1,770 a year, but they don’t know the large savings they would see if they swap their current policy for a cheaper one.

It’s a good idea to do rate comparisons at least once a year because insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best premium rates on Jeep Compass insurance in Dallas six months ago other companies may now be cheaper. There is lot of inaccurate information about Compass insurance on the web, but we’re going to give you some of the best ways to lower your car insurance rates in Dallas.

The best way to compare policy rates for Jeep Compass insurance in Dallas is to realize most larger insurance companies participate in online systems to compare rate quotes. The one thing you need to do is give the companies some data like your credit rating estimate, what your job is, coverage limits, and if you have a valid license. Your rating data is submitted instantly to many different companies and they return quotes almost instantly.

To start a rate quote now, click here and enter your zip code.

The providers in the list below are our best choices to provide free quotes in Dallas, TX. If multiple companies are listed, we suggest you get prices from several of them to get the best price comparison.

Jeep Compass insurance analysis

The information displayed below covers a range of insurance policy prices for Jeep Compass models. Being aware of how car insurance premiums are calculated can be useful when making smart choices when buying a car insurance policy.

Jeep Compass Insurance Rates in Dallas, TX
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 $234 $460 $462 $28 $138 $1,322 $110
Compass Limited 2WD $234 $460 $462 $28 $138 $1,322 $110
Compass Limited 4WD $234 $460 $462 $28 $138 $1,322 $110
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium costs do not factor in zip code location which can modify premiums substantially.

Policy deductible comparison

One frequently asked question is how high or low should comp and collision deductibles be. The comparison tables below approximate the rate differences when you select higher and lower deductibles. The first set of rates uses a $250 physical damage deductible and the second pricing table uses a $1,000 deductible.

Jeep Compass insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $256 $408 $382 $22 $114 $1,207 $101
Compass Sport 4WD $294 $496 $382 $22 $114 $1,333 $111
Compass Limited 2WD $294 $496 $382 $22 $114 $1,333 $111
Compass Limited 4WD $294 $496 $382 $22 $114 $1,333 $111
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Jeep Compass insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $158 $256 $382 $22 $114 $932 $78
Compass Sport 4WD $182 $312 $382 $22 $114 $1,012 $84
Compass Limited 2WD $182 $312 $382 $22 $114 $1,012 $84
Compass Limited 4WD $182 $312 $382 $22 $114 $1,012 $84
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in vehicle location which can modify coverage rates considerably.

Based on the data above, we can derive that using a $250 deductible costs an average of $26 more each month or $312 each year across all Jeep Compass models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 29 months between claims, you would probably come out ahead by selecting a higher deductible.

Drive safe and save

The example below shows how violations and at-fault fender-benders can affect Jeep Compass auto insurance rates for different age categories. The price estimates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

Full coverage versus liability only rates

The diagram below shows the comparison of Jeep Compass insurance costs when comparing full coverage to state minimum liability only. The data is based on no claims or violations, $500 deductibles, drivers are single, and no additional discounts are factored in.

Should you pay for full coverage?

There isn’t a steadfast formula for dropping physical damage coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Jeep Compass book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after paying your deductible. If it’s costing in excess of $200 a year to have full coverage, then you may want to consider only buying liability coverage.

There are some scenarios where only buying liability is not recommended. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan conditions. 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.

It may be expensive, but it’s not optional

Despite the high cost, maintaining insurance is required in Texas but it also protects you in many ways.

The benefits of carrying enough insurance outweigh the cost, specifically if you ever have a liability claim. As of last year, the average driver in Texas overpays as much as $820 a year so you should quote and compare rates at every renewal to make sure the price is not too high.

Buy Cheap Auto Insurance with These Tips

A large part of saving on auto insurance is knowing the different types of things that help calculate auto insurance rates. If you have a feel for what influences your rates, this enables you to make decisions that could help you find better auto insurance rates. Lots of factors are taken into consideration when you quote your car insurance policy. Some factors are common sense like your driving record, although others are less obvious such as your marital status or your vehicle rating.

Shown below are a partial list of the pieces used by insurance companies to determine rates.

Compare. Compare. Compare.

You just read many ways to find affordable Jeep Compass insurance in Dallas. It’s most important to understand that the more price quotes you have, the higher your chance of finding low cost Dallas auto insurance quotes. Consumers may even find the lowest car insurance rates are with a lesser-known regional company.

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. In many instances, someone sacrificed collision coverage and learned later they didn’t have enough coverage. Your focus should be to find the BEST coverage at a price you can afford, but do not skimp to save money.

Cost effective Jeep Compass insurance can be bought both online as well as from insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide price quotes online and usually these small, regional companies provide coverage only through independent agencies.

Steps to finding discount Jeep Compass insurance in Dallas

If you want to find the absolute lowest rates, then the best way to get more affordable car insurance rates in Dallas is to compare quotes once a year from insurance carriers who sell auto insurance in Texas.

Step 1: Get a basic knowledge of how insurance companies determine prices and the factors you can control to keep rates down. Many rating criteria that are responsible for high rates such as multiple speeding tickets and a lousy credit rating can be rectified by making minor driving habit or lifestyle changes.

Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive and State Farm, while independent agencies can provide prices for a wide range of companies. View insurance agents

Step 3: Compare the new rates to the premium of your current policy and see if you can save money. If you find a lower rate, ensure coverage does not lapse between policies.

Step 4: Provide notification to your current company to cancel your current car insurance policy and submit payment along with a signed and completed policy application to your new carrier. As soon as you can, put the proof of insurance paperwork along with the vehicle’s registration papers.

One tip to remember is to make sure you’re comparing identical deductibles and limits on every price quote and and to get price estimates from every company you can. This helps ensure the most accurate price comparison and the best rate selection.

More detailed insurance information can be found at these sites: