How to Save on Sacramento Jeep Compass Insurance

Discount Jeep Compass insuranceDo you need a better way to compare lower-priced Jeep Compass insurance in Sacramento? Having to pay for pricey Jeep Compass insurance in Sacramento can dwindle your monthly budget and put a big crunch on your finances. Price shopping at each renewal is a fast and free way to lower your monthly bill.

It’s hard to believe, but a large majority of drivers kept buying from the same company for at least four years, and roughly 40% of drivers have never compared rates with other companies. California insurance shoppers can save hundreds of dollars each year by just shopping around, but they don’t know the large savings they would see if they switched to a more affordable policy.

You have multiple car insurance companies to pick from, and although it’s nice to have a selection, so many choices can make it hard to compare rates and find the lowest cost car insurance.

Ways to get Jeep Compass insurance quotes in Sacramento, California

Just keep in mind that quoting more increases the chance that you will find a lower rate. Not every company allows you to get online price quotes, so you should also compare prices from them, too.

The following companies are our best choices to provide price comparisons in California. To get cheap car insurance in California, we recommend you compare several of them to find the lowest car insurance rates.

Why you need car insurance

Despite the high cost, car insurance is most likely required but also gives you several important benefits.

First, the majority of states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a lien on your vehicle, almost all lenders will make it mandatory that you carry insurance to protect their interest in the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Jeep at a significantly higher premium and require you to pay the higher price.

Third, car insurance protects both your car and your personal assets. It will also provide coverage for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay attorney fees if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, your car insurance policy will pay to restore your vehicle to like-new condition.

The benefits of carrying adequate insurance definitely exceed the cost, especially when you need to use it. An average driver in America is wasting up to $750 every year so it’s important to compare rates at least once a year to make sure the price is not too high.

Insurance statistics and figures

The rate information shown next highlights different coverage prices for Jeep Compass models. Learning a little about how insurance policy rates are determined can help drivers make decisions on the best policy coverages.

Jeep Compass Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $180 $342 $534 $32 $160 $1,248 $104
Compass Sport 4WD $206 $416 $534 $32 $160 $1,348 $112
Compass Limited 2WD $206 $416 $534 $32 $160 $1,348 $112
Compass Limited 4WD $206 $416 $534 $32 $160 $1,348 $112
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in specific location which can decrease or increase prices greatly.

Raise deductibles and save

One of the more difficult decisions when buying insurance is at what level do you set your deductibles. The figures shown below may help to conceptualize the difference in cost when you choose different insurance deductibles. The first data set uses a $250 deductible and the second price table uses a $1,000 deductible.

Jeep Compass insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $298 $472 $442 $26 $132 $1,395 $116
Compass Sport 4WD $342 $576 $442 $26 $132 $1,543 $129
Compass Limited 2WD $342 $576 $442 $26 $132 $1,543 $129
Compass Limited 4WD $342 $576 $442 $26 $132 $1,543 $129
Get Your Own Custom Quote Go

Jeep Compass insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $184 $298 $442 $26 $132 $1,082 $90
Compass Sport 4WD $210 $362 $442 $26 $132 $1,172 $98
Compass Limited 2WD $210 $362 $442 $26 $132 $1,172 $98
Compass Limited 4WD $210 $362 $442 $26 $132 $1,172 $98
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in specific garaging location which can alter rates considerably.

Based on this data, using a $250 deductible costs an average of $30 more each month or $360 every year averaged for all Compass models than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 25 months between claims, you would most likely save money if you elect the higher deductible.

The diagram below illustrates how your choice of deductibles and can impact Jeep Compass insurance costs for each different age group. The premiums assume a married male driver, comp and collision included, and no policy discounts are applied.

Insurance rates by gender and age

The chart below illustrates the comparison of Jeep Compass auto insurance costs for male and female drivers. The premiums assume no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

Earn discounts on Sacramento auto insurance

Auto insurance is neither fun to buy or cheap, but discounts can save money and there are some available that may help make it more affordable. A few discounts will be applied at quote time, but occasionally some discounts must be manually applied prior to getting the savings.Auto insurance discounts

Just know that some credits don’t apply to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

The chart below visualizes the comparison of Jeep Compass annual premium costs with and without discounts applied to the rates. The premiums assume a female driver, a clean driving record, no at-fault accidents, California 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 claim-free, multi-policy, multi-car, marriage, homeowner, and safe-driver discounts applied.

Companies and some of the discounts are detailed below.

If you are trying to find affordable Jeep Compass insurance quotes, ask each company which credits you are entitled to. Some discounts listed above might not be available to policyholders in your state.

Can’t I compare rates from local Sacramento car insurance agents?

A small number of people just prefer to buy from a licensed agent and that is just fine! The biggest benefit of comparing rates online is the fact that you can find cheap rate quotes but still work with a licensed agent. Buying from and supporting local agencies is important particularly in Sacramento.

Sacramento insurance agentsAfter completing this short form, the quote information is emailed to companies in Sacramento who will give competitive quotes for your insurance coverage. There is no reason to contact an agency because quoted prices will be sent immediately to you. You can get cheaper car insurance rates and work with a local agent. If you wish to compare prices from a particular provider, you can always jump over to their website and submit a quote form there.

Sacramento car insurance agents come in two flavors

When finding a local Sacramento insurance agency, you should know the different agency structures to choose from. Agents are either independent agents or exclusive agents.

Independent Agencies or Brokers

Agents of this type can quote rates with many companies so they can insure your vehicles with many different companies and find you the best rates. If prices rise, your agent can switch companies which makes it simple for you.

When comparing car insurance prices, you definitely need to get insurance quotes from at a minimum one independent agency to ensure the widest selection of prices.

Listed below are Sacramento independent agencies that can give you rate quotes.

7558 Stockton BlvdSacramento, CA 95823(916) 753-1480View Map

155 15th St cWest Sacramento, CA 95691(916) 482-9600View Map

1610 Arden Way # 121Sacramento, CA 95815(916) 286-5960View Map

More insurance agents

Exclusive Agents

Agents that choose to be exclusive write business for a single company and some examples include State Farm, Allstate, or Farmers Insurance. They usually cannot provide prices from multiple companies so they have to upsell other benefits. They are very knowledgeable on the products they sell and that can be a competitive advantage.

The following are Sacramento exclusive insurance agencies that are able to give comparison quotes.

8887 Folsom Blvd #3aSacramento, CA 95826(916) 361-3114View Map

2015 Q StSacramento, CA 95811(916) 760-7858View Map

6332 Florin RdSacramento, CA 95823(916) 822-5110View Map

More insurance agents

Choosing the best car insurance agent requires you to look at more than just a cheap price quote. Here are some questions to ask:

Upon receiving positive feedback to these questions and an affordable coverage quote, chances are good that you have found an insurance agency that meets the criteria to adequately provide car insurance. But keep in mind it’s your policy and you can cancel your policy at any point so don’t assume you’re contractually obligated to any specific agency for the full term.

When should I discuss my situation with an agent?

When choosing the right insurance coverage, there is no cookie cutter policy. Every insured’s situation is different.Safe vehicles cost less to insure

For instance, these questions may help you determine if your insurance needs will benefit from professional help.

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

California auto insurance company ratings

Choosing a good quality auto insurance provider is difficult considering how many different companies there are to choose from in Sacramento. The information displayed below could help you decide which car insurance providers you want to consider comparing rates from.

Top 10 Sacramento Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

How much can you save?

Some companies do not provide online rate quotes and these smaller providers sell through independent agents. Lower-priced Jeep Compass insurance in Sacramento can be found from both online companies in addition to local insurance agencies, and you need to price shop both to get a complete price analysis.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. In many instances, someone sacrificed uninsured motorist or liability limits only to discover later that the savings was not a smart move. The aim is to find the BEST coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Drivers leave their current company for any number of reasons including an unsatisfactory settlement offer, delays in paying claims, delays in responding to claim requests and unfair underwriting practices. Regardless of your reason, finding the right auto insurance provider is easier than you think.

Steps to saving on Jeep Compass insurance in Sacramento

It takes a few minutes, but the best way to get affordable car insurance rates in Sacramento is to make a habit of regularly comparing prices from insurance carriers in California. Rates can be compared by completing these steps.

  1. Spend some time learning about how companies set rates and the things you can change to prevent expensive coverage. Many policy risk factors that cause rate increases such as speeding tickets, accidents and a poor credit rating can be eliminated by making lifestyle changes or driving safer.
  2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like Progressive or State Farm, while agents who are independent can provide price quotes from multiple insurance companies. Get quotes now
  3. Compare the price quotes to your existing policy to see if a cheaper price is available. If you can save some money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Tell your current company to cancel your current coverage and submit a down payment along with a signed application for the new coverage. Once received, keep your new certificate verifying proof of insurance with your vehicle’s registration.

The most important part of this process is to compare similar limits and deductibles on each quote and and to get prices from as many companies as possible. Doing this enables an apples-to-apples comparison and a better comparison of the market.

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