Best Ways to Save on Scottsdale Jeep Compass Insurance

Do you want cheaper Jeep Compass insurance in Scottsdale? Frustrated by the crazy number of auto insurance choices in Scottsdale? Lot’s of other drivers are too. You have so many options that it can be a challenge to compare auto insurance rates on Jeep Compass insurance. Scottsdale is an awesome place to live, but paying high auto insurance rates can make it hard to maintain proper levels of coverage.

It’s an obvious conclusion that insurance companies don’t want you shop around. Drivers who shop around are inclined to switch auto insurance companies because there are good odds of finding good coverage at a lower price. Remarkably, a study showed that people who shopped around saved approximately $865 annually compared to policyholders who never compared rates.

If finding the most affordable insurance in Scottsdale is your ultimate goal, then having some insight into the best way to quote and compare coverage rates can save money and time.

You should make it a habit to do rate comparisons periodically because prices are rarely the same from one policy term to another. If you had the lowest rates on Jeep Compass insurance in Scottsdale at your last renewal you can probably find a better premium rate now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the only way to lower your annual insurance bill.

Our objective is to introduce you to the best methods to compare rates and how to save the most money. If you currently have a car insurance policy, you stand a good chance to be able to buy cheaper car insurance using the ideas covered in this article. But Arizona drivers must comprehend how companies charge you for coverage because it varies considerably.

When quoting insurance, remember that comparing more quotes helps you find more affordable rates.

The companies shown below offer comparison quotes in Arizona. If you wish to find cheap car insurance in Scottsdale, it’s a good idea that you get price quotes from several of them in order to find the cheapest rates.

Discounts for cheap insurance quotes

Not many people think insurance is cheap, but there may be some discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you get a quote, but some need to be inquired about prior to receiving the credit.

• Military Rewards – Being deployed in the military can result in better rates.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
• Defensive Driver Discount – Completing a course in defensive driving could earn you a small percentage discount depending on where you live.
• Good Grades Discount – Excelling in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
• Data Collection Discounts – People who choose to allow their company to spy on their driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if their driving habits are good.
• Clubs and Organizations – Affiliation with a qualifying organization is a simple method to lower premiums when getting a Scottsdale car insurance quote.
• Driver’s Education for Students – It’s a good idea to have your young drivers participate in a local driver’s education class if offered at their school.

You can save money using discounts, but most discounts do not apply to the whole policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way.

The example below visualizes the comparison of Jeep Compass yearly insurance costs with and without discounts. The price estimates are based on a female driver, no accidents, no driving violations, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, safe-driver, marriage, and multi-policy discounts applied.

Popular insurance companies and the discounts they provide are:

• GEICO includes discounts for multi-vehicle, anti-lock brakes, membership and employees, seat belt use, emergency military deployment, five-year accident-free, and defensive driver.
• USAA offers premium reductions for driver training, military installation, good student, vehicle storage, annual mileage, loyalty savings, and multi-policy.
• Progressive may include discounts for homeowner, multi-vehicle, online signing, good student, and continuous coverage.
• American Family has savings for good driver, good student, accident-free, mySafetyValet, defensive driver, and Steer into Savings.
• Esurance discounts include anti-lock brakes, defensive driver, online shopper, DriveSense, emergency road assistance, and good driver.
• Farmers Insurance has discounts for early shopping, distant student, business and professional, good student, and multi-car.
• State Farm may offer discounts for multiple policy, accident-free, good student, defensive driving training, and Steer Clear safe driver discount.

When getting free Scottsdale car insurance quotes, it’s a good idea to every company which discounts can lower your rates. Savings might not be offered in your state.

Rate information and statistics

The premium information displayed below covers different insurance premium costs for Jeep Compass models. Having a good understanding how auto insurance premiums are determined is important for you to make smart policy decisions.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can increase or decrease premiums substantially.

Policy deductible comparison

A question often asked by Scottsdale drivers is the level to set your comp and collision deductibles. The comparisons below summarize the difference in cost of buying low and high comp and collision deductibles. The first price estimate table uses a $250 physical damage deductible and the second set of prices uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Information does not factor in Scottsdale location which can raise or lower premiums noticeably.

Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $20 more each month or $240 for a full year than quoting the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 38 months between claims, you would probably save some money by going with a higher deductible.

One important caveat is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you have a physical damage claim. You must have enough savings in the event you need to pay more for the deductible.

The chart below shows how choosing a deductible and can impact Jeep Compass yearly insurance costs for different ages of insureds. The data assumes a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

Full coverage versus liability-only

The diagram below compares Jeep Compass car insurance costs with full physical damage coverage compared to only buying liability only. The data assumes no claims, a clean driving record, $250 deductibles, drivers are single, and no other discounts are factored in.

When to drop full coverage

There is no clear-cut rule to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Jeep Compass settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after the deductible is paid. If premiums are more than $800 a year to have full coverage, then you might want to consider buying only liability coverage.

There are some cases where dropping physical damage coverage is not recommended. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should maintain full coverage.

Why You Might Pay Increased Rates in Scottsdale

The best way to find cheaper auto insurance is to take a look at some of the elements that go into determining your premiums. If you have a feel for what influences your rates, this enables you to make decisions that may reward you with lower premium levels.

• More than one policy can earn a discount – Most major companies give better rates for people that buy multiple policies such as combining an auto and homeowners policy. The amount of the discounts can be as much as ten percent or more Even though this discount sounds good, it’s always a smart idea to compare Jeep Compass rates in Scottsdale to help ensure you have the lowest rates. Consumers may find lower rates by buying auto insurance from a different company.
• Getting married equates to better rates – Getting married may earn you lower rates on your auto insurance bill. Marriage usually means you are more responsible and insurance companies like that being married results in fewer claims.
• Excellent credit scores equal low rates – Credit score will be a significant factor in determining your rates. If your credit leaves room for improvement, you could be paying less to insure your Jeep Compass by taking the time to improve your credit score. Consumers who have very good credit scores tend to be better risks to insure than those with lower ratings.

• Gender impacts rates – Statistics demonstrate that females tend to be a little less risky than males. This data doesn’t prove that women are BETTER drivers than men. Women and men cause fender benders at about the same rate, but guys have accidents that have higher claims. Men also receive more major tickets like driving under the influence (DUI).

  The chart below shows the difference between Jeep Compass annual premium costs for male and female drivers. The rate quotes are based on no claims or driving violations, comprehensive and collision coverage, $500 deductibles, single status, and no discounts are taken into consideration.

• Rental and towing coverage may not be needed – Insurance policies have a lot of extra coverages that you can buy but may not be useful. Coverage for things like coverage for rental cars, death and dismemberment, and Farm Bureau memberships may be costing you every month. The coverages may be enticing when you first buy your policy, but if they’re wasting money eliminate them to save money.
• Rate your vehicle for proper use – The more you drive your Jeep each year the more you will pay for auto insurance. The majority of insurers calculate rates based on how the vehicle is used. Vehicles used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your declarations sheet states how each vehicle is driven. Having an incorrect usage rating on your Compass is just wasting money.

• Jeep Compass claim statistics – Auto insurance companies use data from past claims to calculate a rate that will offset any claims. Models that the data determines to have higher loss trends will have a higher premium rate. The table below shows the compiled insurance loss statistics for Jeep Compass vehicles.

  For each coverage category, the claim amount for all vehicles as a whole is represented as 100. Values below 100 suggest a better than average loss history, while numbers that are greater than 100 indicate more frequent claims or tendency to have larger claims.

  
  

  Jeep Compass Insurance Loss Statistics

  Specific Jeep 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 from IIHS.org for 2013-2015 Model Years