Compare Jeep Compass Insurance Quotes in Fort Worth

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Insurance for Jeep CompassUnthinkable but true, nearly 70% of customers have bought car insurance from the same company for over three years, and 38% of drivers have never compared rate quotes at all. The average driver in the U.S. could pocket as much as $850 a year by just shopping around, but they don't believe the big savings they would realize if they switched to a more affordable policy.

Really, the only way to get cheaper Jeep Compass insurance is to regularly compare quotes from companies who sell insurance in Fort Worth.

  1. Take a little time to learn about policy coverages and the things you can control to prevent high rates. Many rating factors that cause high rates such as traffic citations and a substandard credit score can be improved by paying attention to minor details.
  2. Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can quote prices for a wide range of companies.
  3. Compare the new rate quotes to the price on your current policy to determine if you can save on Compass insurance in Fort Worth. If you find a lower rate, make sure there is no lapse in coverage.
  4. Provide written notification to your current company of your intention to cancel your existing policy and submit the application along with any required down payment to the newly selected company. Be sure to place the new proof of insurance certificate in an accessible location in your vehicle.

The key aspect of shopping around is to try to compare identical coverages on every price quote and and to compare all possible companies. This helps ensure a fair rate comparison and the most accurate and complete price analysis.

Quoting and buying the best insurance in Fort Worth is not as difficult as people think. Virtually everyone who has to purchase insurance will find a lower-cost company. But Texas consumers do need to know the way companies price insurance differently because rates fluctuate considerably.

Compare free Fort Worth Jeep Compass insurance quotes

All major auto insurance companies such as GEICO, State Farm and Progressive give insurance quotes directly from their websites. Comparing Jeep Compass insurance rates online doesn't take a lot of time as you simply enter the coverages you want as requested by the quote form. Once you submit the form, their rating system requests credit information and your driving record and returns a price based on many factors.

Getting online quotes for Jeep Compass insurance in Fort Worth makes it simple to compare prices and it's necessary to have as many quotes as possible in order to find the most affordable possible premiums on auto insurance.

To save time and compare rates using this form now, consider comparing rates from the companies shown below. If you currently have coverage, we recommend you type in the coverages just like they are on your policy. This helps ensure you will have rate quotes for similar insurance coverage.

The following companies provide price comparisons in Texas. If several companies are displayed, we recommend you visit two to three different companies to find the cheapest car insurance rates.

Companies offer money-saving discounts on Jeep Compass insurance in Fort Worth

Insurance can be pricey, but there are discounts available that you may not even know about. Certain discounts will be applied at the time you complete a quote, but a few need to be requested specifically before you get the savings.Insurance discounts

  • Memberships - Being in a qualifying organization could qualify you for a break when getting a Fort Worth car insurance quote.
  • Military Discounts - Being on active deployment in the military could qualify you for better insurance rates.
  • Accident Free - Claim-free drivers have much lower rates compared to policyholders that have many claims.
  • Senior Citizens - Mature drivers are able to get a discount up to 10%.
  • Multiple Cars - Buying coverage for primary and secondary vehicles with the same insurance company can get a discount on all vehicles.
  • Sign Early and Save - Select insurance companies give a discount for switching to them before your current expiration date. It can save you around 10%.
  • Passenger Safety Discount - Options like air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Discount for Life Insurance - Larger insurance companies have a discount if you purchase some life insurance in addition to your auto policy.
  • Drivers Ed for Students - Reduce the cost of insurance for teen drivers by having them enroll and complete driver's education in school.

Don't be surprised that many deductions do not apply to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. Just because it seems like having all the discounts means you get insurance for free, you aren't that lucky. But any discount will cut your policy cost.

The chart below shows the comparison of Jeep Compass yearly insurance costs with and without discounts applied to the policy premium. The prices are based on a male driver, no violations or accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, safe-driver, multi-car, and claim-free discounts applied.

If you would like to view providers that offer the discounts shown above in Fort Worth, click this link.

Insurance coverage details

The coverage information shown below outlines different insurance policy prices for Jeep Compass models. Having a good understanding how auto insurance prices are formulated can help customers make smart policy decisions.

Jeep Compass Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $124 $218 $366 $22 $110 $840 $70
Compass Sport 4WD $142 $266 $366 $22 $110 $906 $76
Compass Limited 2WD $142 $266 $366 $22 $110 $906 $76
Compass Limited 4WD $142 $266 $366 $22 $110 $906 $76
Get Your Own Custom Quote Go

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in your specific Fort Worth location which can increase or decrease rates noticeably.

Physical damage deductible comparison

One of the hardest decisions when shopping for insurance is at what level do you set your deductibles. The data tables below illustrate the differences in price between low and high insurance deductibles. The first data table uses a $100 deductible and the second set of rates uses a $1,000 deductible.

Jeep Compass insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $286 $486 $382 $22 $114 $1,315 $110
Compass Sport 4WD $328 $592 $382 $22 $114 $1,463 $122
Compass Limited 2WD $328 $592 $382 $22 $114 $1,463 $122
Compass Limited 4WD $328 $592 $382 $22 $114 $1,463 $122
Get Your Own Custom Quote Go
Jeep Compass insurance premium estimates 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
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can raise or lower auto insurance rates greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $36 more each month or $432 every year than opting for the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 25 months between claims, you would come out ahead if you choose the higher deductible. The numbers below show the way you can come to your own conclusion.

Average monthly premium for $100 deductibles: $119
Average monthly premium for $1,000 deductibles (subtract): - $83
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

The diagram below demonstrates how deductibles and can increase or decrease Jeep Compass insurance costs for each different age group. The costs are based on a single male driver, full coverage, and no discounts are applied to the premium.

Cost difference between full coverage and liability

The illustration below shows the difference between Jeep Compass car insurance costs with full coverage compared to only the Texas minimum liability coverage. The rate quotes are based on no claims, a clean driving record, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Are you wasting money on full coverage?

There isn't a written rule that works best for making the decision to drop full coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than around 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let's pretend your Jeep Compass replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $6,000 after the deductible is paid. If premium cost is more than $600 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some cases where dropping physical damage coverage is not recommended. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder's interest. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Learn How to Get Auto Insurance More Affordably

Part of the auto insurance buying process is learning the factors that help determine your auto insurance rates. If you have some idea of what impacts premium levels, this enables informed choices that can earn you big savings. Multiple criteria are taken into consideration when you get your auto insurance bill. Some are pretty understandable such as your driving history, but others are more obscure like your vehicle usage or your commute time.

Shown below are a partial list of the pieces used by companies to determine your prices.

Inexpensive frequent auto insurance claims are not good - If you tend to file frequent claims, you should expect higher premiums or even policy non-renewal. Auto insurance companies in Texas provide better rates to drivers who do not file claims often. Your insurance policy is designed for larger claims.

Bundle policies with the same company - Most companies give a discount to buyers who buy several policies from them in the form of a multi-policy discount. Even with this discount applied, it's still a good idea to shop around to make sure you are getting the best deal.There is a good possibility that you can save more without the discount by buying insurance from more than one company.

Responsible credit scores equal low costs - Having a good credit score is a large factor in determining premium rates. Insureds with excellent credit scores tend to be more responsible than drivers with poor credit. If your credit history could use some work, you could be paying less to insure your Jeep Compass by repairing your credit.

Low stress job equals lower rates - Did you know your job can affect your rates? Jobs such as lawyers, airline pilots, and medical professionals are shown to have higher rates than average due to intense work requirements and lots of time spent at work. On the other hand, professions such as professors, students and the unemployed have lower than average premiums.

Loss statistics for a Jeep Compass - Insurance companies include the past claim history for a vehicle as a tool for profitable underwriting. Vehicles that the data determines to have higher loss trends will have higher rates for specific coverages.

The next table shows the insurance loss data used by companies for Jeep Compass vehicles. For each coverage category, the loss probability for all vehicles, without regard to make or model, is represented as 100. Numbers that are below 100 suggest a better than average loss history, while percentages above 100 indicate higher probability of having a loss or statistically larger losses.

Jeep Compass Insurance Claim Statistics
Vehicle 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
BETTER
AVERAGE
WORSE

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car insurance agents are professional risk managers

Some consumers would prefer to go talk to an agent and there is nothing wrong with that. The biggest benefit of comparing rate quotes online is that you can find better rates and still choose a local agent. And supporting small agencies is still important in Fort Worth.

Fort Worth insurance agentsUpon completion of this simple form, your insurance data is sent to companies in Fort Worth that can provide free Fort Worth car insurance quotes for your car insurance coverage. You won't need to contact any insurance agencies as quotes are delivered directly to you. You can find lower rates without a big time investment. If you want to get a price quote from a specific car insurance provider, you just need to search and find their rate quote page and complete a quote there.

Two types of Fort Worth car insurance agents

If you want local Fort Worth agents, there are two types of agencies and how they operate. Agencies in Fort Worth are either exclusive or independent agents depending on their company appointments.

Independent Agents (or Brokers)

Agents of this type are not restricted to one company and that allows them to write policies with any number of different companies and get you the best rates possible. If they find a cheaper price, they simply switch companies in-house which is easy for the insured.

If you are trying to find cheaper rates, we highly recommend that you get several quotes from multiple independent agents to get the most accurate price comparison. Most independent agents also contract with different regional companies who may have lower rates.

Shown below is a partial list of independent insurance agents in Fort Worth who can help you get competitive price quotes.

View more Fort Worth agents

Exclusive Car Insurance Agencies

Exclusive agencies can only write with one company and examples are American Family, State Farm, and Allstate. They generally cannot provide rate quotes from other companies so they really need to provide good service. These agents are usually well trained on sales techniques which helps overcome the inability to quote other rates. Some consumers prefer to buy insurance from these agents primarily because of the brand rather than low price.

Listed below are Fort Worth exclusive agents that are able to give price quote information.

View more Fort Worth agents

Choosing the best auto insurance agent should include more criteria than just the premium amount. Some important questions to ask are:

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Are they able to influence company decisions when a claim is filed?
  • Will the agent help in case of a claim?
  • Where would your vehicle be repaired?
  • Does the agent have a valid license to sell insurance in Texas?
  • Are all drivers listed on the coverage quote?
  • By raising physical damage deductibles, how much would you save?

If you receive good responses to your questions and locked in a price quote, it's a good possibility that you have found a car insurance agent that is reputable and can insure your vehicles. It's important to know that it's your coverage and you can cancel your policy for any reason so never feel that you are permanently stuck with any particular company with no way to switch.

Which is the best car insurance?

When it comes to choosing your policy, there is no cookie cutter policy. Everyone's needs are different.Drive safe and save

These are some specific questions might help in determining if you will benefit from professional help.

  • What can I do if my company won't pay a claim?
  • Do I have coverage for damage caused while driving under the influence?
  • What is the difference between personal and commercial auto insurance policies?
  • Which companies will insure high-risk drivers?
  • Can I get a multi-policy discount?
  • When would I need rental car insurance?
  • Do I need replacement cost coverage on my Jeep Compass?

If you can't answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Quote more and you will save more

We just covered a lot of information how to save on Jeep Compass insurance in Fort Worth. The most important thing to understand is the more quotes you get, the better chance you'll have of finding affordable Fort Worth car insurance quotes. Consumers could even find that the best premium rates are with a lesser-known regional company.

As you restructure your insurance plan, it's not a good idea to sacrifice coverage to reduce premiums. Too many times, an accident victim reduced physical damage coverage and discovered at claim time they didn't purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at the best price, but do not skimp to save money.

Insureds leave their current company for a number of reasons such as not issuing a premium refund, delays in paying claims, policy cancellation and even questionable increases in premium. Whatever your reason, finding a new company is pretty easy and you might even save some money in the process.

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