Texas buyers have many options when searching for affordable Jeep Compass insurance. You can either waste hours calling around getting price quotes or utilize the internet to make rate comparisons. There is a better way to find auto insurance online so we’re going to tell you the proper way to get price quotes for a new or used Jeep and obtain the cheapest rates from Texas insurance agents and online providers.
It’s a great practice to do rate comparisons once or twice a year since insurance rates tend to go up over time. Even if you got the lowest price for Compass insurance a couple years back a different company probably has better rates today. Starting right now, forget anything you know (or think you know) about auto insurance because it’s time to teach you the best methods to reduce your cost while increasing coverage.
Finding the best rates is easy if you know what you’re doing. If you currently have a car insurance policy, you stand a good chance to be able to save some money using this information. Texas vehicle owners just need to understand the tricks to shop on the web.
Discounts can save BIG
Auto insurance companies don’t necessarily list every available discount in a way that’s easy to find, so here is a list both well-publicized and the more hidden savings tricks you should be using. If you aren’t receiving every discount available, you are paying more than you should be.
- Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
- No Claims – Good drivers with no accidents pay less as compared to frequent claim filers.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
- Sign Online – A few companies will give a small break simply for signing on their website.
- Government Employees – Being employed by or retired from a federal job can save as much as 8% for Compass insurance with select insurance companies.
- Own a Home – Owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
- Theft Prevention System – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
Drivers should understand that most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, auto insurance companies aren’t that generous.
To see a list of insurance companies offering auto insurance discounts in Texas, click here to view.
Texas Auto Insurance Quote Comparison
All the larger auto insurance companies quote coverage prices on their websites. Obtaining pricing doesn’t take a lot of time as you simply enter your coverage preferences into a form. Once you submit the form, their rating system makes automated requests for your credit score and driving record and generates pricing information based on these factors.
Being able to quote online streamlines rate comparisons, but the process of having to visit a lot of sites and type in the same information can get tiresome after awhile. But it’s absolutely necessary to perform this step in order to find the lowest price.
The smarter way to find cheaper rates is to use a quote form that gets prices from several different companies. It saves time, helps eliminate reptitive entry, and makes online shopping much more enjoyable. Immediately after submitting the form, it is rated and you are able to buy your choice of the quotes that you receive. If a lower price is quoted, you can simply submit the application and purchase the new policy. It can be completed in a matter of minutes and you’ll know if lower rates are available.
In order to compare rates using this form now, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you complete the form with exactly as they are listed on your policy. Using the same limits helps guarantee you will be getting a fair comparison using the exact same coverages.
These factors can influence Jeep Compass insurance rates
Consumers need to have an understanding of the factors that play a part in calculating your auto insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get lower auto insurance prices.
Shown below are some of the items that factor into your rates.
- Safer occupants lowers premiums – Safer cars tend to have better insurance rates. These vehicles have better occupant injury protection and fewer injuries means lower claim amounts and lower rates for you. If the Jeep Compass scored better than four stars on Safercar.gov it is probably cheaper to insure.
- Where you live is a factor – Residing in a small town can be a good thing when insuring your vehicles. City drivers have much more traffic and longer commute times. Lower population translates into fewer accidents as well as less vandalism and auto theft.
- High credit ratings translate to low rates – Credit score is a large factor in determining your rates. If your credit score is lower than you’d like, you could pay less to insure your Jeep Compass by repairing your credit. People with excellent credit tend to be more responsible as compared to drivers with poor credit.
- Frequent auto insurance claims increase rates – If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Insurance companies in Texas provide better rates to policyholders who do not rely on their insurance for small claims. Car insurance is intended for the large, substantial claims.
- Women pay lower rates – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Both sexes cause accidents at a similar rate, but the males tend to have more serious accidents. They also get cited for more serious violations such as reckless driving.
- Careful drivers pay lower rates – A bad driving record has a huge affect on how much you pay. Good drivers tend to pay less for car insurance than bad drivers. Even a single moving violation can increase rates by twenty percent. If you have serious violations such as DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with their state motor vehicle department in order to continue driving.
Situations that might require an agent
When choosing adequate coverage, there really is no perfect coverage plan. Everyone’s situation is unique.
Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.
- Is my teen driver covered when they drive my company car?
- When should my teen driver be added to my policy?
- What can I do if my company won’t pay a claim?
- Do I need medical payments coverage since I have good health insurance?
- Am I covered when driving on a suspended license?
- Should I rate my Jeep Compass as pleasure use or commute?
- What are Texas no-fault laws?
- Am I covered by my spouse’s policy after a separation?
If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.
What happened to insurance agents?
Certain consumers just want to visit with an insurance agent and that is just fine! Licensed agents can answer important questions and help file insurance claims. The best thing about getting online price quotes is you may find the lowest rates and still choose a local agent.
Upon completion of this quick form, your insurance data is immediately sent to companies who will compete to get your business. There is no reason to visit any agencies due to the fact that quote results will go directly to your email. How’s that for easy!
Selecting an insurance company requires more thought than just a low price. Some important questions to ask are:
- Can glass repairs be made at your home?
- Do the companies they represent have a solid financial rating?
- Does the company allow you to choose your own collision repair facility?
- If your car is totalled, how to they determine the replacement cost?
- Does the agency support the community they serve?
Insurance agencies in Texas come in two varieties
When researching a good insurance agency, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Texas agents are either captive or independent. Both types can write coverage properly, but it’s worth mentioning how they differ because it can influence buying decisions.
Agency Captives
Captive agencies can only place business with one company and some examples include Allstate, Farmers Insurance or State Farm. They generally cannot place coverage with different providers so keep that in mind. Captive agents are well schooled on their products and sales techniques and that can be a competitive advantage. Consumers often choose to use a captive agent mainly due to loyalty to the company and the convenience of having all coverages with one company.
Independent Insurance Agents
Independent insurance agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies. When shopping rates, it’s a good idea to include at a minimum one independent agency for the best price selection. Most have the option of insuring with lesser-known insurance companies who may have lower rates.
For a full directory of insurance agencies in Texas, view this site.
After receiving positive responses to your questions and a low price estimate, it’s possible that you found an insurance agent that is a good match to provide auto insurance coverage.
Summing up your auto insurance search
Low-cost Jeep Compass insurance can be bought online and with local Texas insurance agents, so compare prices from both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.
You just read many tips how you can save on Jeep Compass insurance. The most important thing to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest priced auto insurance comes from a lesser-known regional company.
Drivers change insurance companies for a variety of reasons including denial of a claim, being labeled a high risk driver, unfair underwriting practices and policy cancellation. No matter why you want to switch, choosing a new insurance company is pretty easy and you might even save some money in the process.
For more reading
More tips and info about auto insurance is located at the Texas Department of Insurance website. Texas consumers can learn about insurance regulations, find disaster information, and discover disciplinary actions.
Other useful links include this site for auto insurance information in Texas and this page where you can find a Texas insurance agent.