Insurance quote for Jeep Compass in TacomaDo you want more competitive Jeep Compass insurance in Tacoma? Are you irritated from paying out the nose to pay your insurance bill each month? Your situation is no different than many other Washington drivers.

A recent study showed that the vast majority of drivers have stayed with the same insurance company for at least the last four years, and almost half have never taken the time to shop around. Most drivers in Washington could save up to $400 each year just by comparing rates, but most undervalue the actual amount they would save if they replace their high priced policy.

You have so many auto insurance companies to insure vehicles with, and though it is a good thing to be able to choose, having more auto insurance companies makes it harder to get the best deal for Jeep Compass insurance in Tacoma.

You should make it a habit to take a look at other company's rates before your next renewal because insurance rates change quite often. Even if you think you had the best premium rates on Jeep Compass insurance in Tacoma six months ago there may be better deals available now. You can find a lot of information about Compass insurance on the internet, but in this article, you're going to get some tested techniques to slash your insurance rates in Tacoma.

Locating the most cost-effective insurance policy in Tacoma is not that difficult as long as you know where to start. If you have insurance now, you will surely be able to get lower rates using the tips covered below. But Washington consumers must comprehend how big insurance companies determine prices and use it to find better rates.

Cheap companies for Jeep Compass insurance in Washington

The car insurance companies shown below offer price comparisons in Washington. If several companies are displayed, we suggest you visit two to three different companies in order to find the most affordable rates.

Jeep Compass Insurance Rates in Tacoma, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $106 $194 $334 $20 $100 $754 $63
Compass Sport 4WD $176 $318 $278 $16 $82 $870 $73
Compass Limited 2WD $122 $236 $310 $18 $92 $778 $65
Compass Limited 4WD $182 $356 $356 $22 $106 $1,022 $85
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in zip code location which can modify rates significantly.

Full coverage versus liability only rates

The illustration below visualizes the comparison of Jeep Compass insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no violations or accidents, $100 deductibles, married female driver, and no discounts are applied to the premium.

When to switch to liability coverage only

There is no exact rule to drop full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let's assume your Jeep Compass replacement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after paying the physical damage deductible. If it's costing you more than $800 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are a few situations where dropping full coverage is not recommended. If you haven't paid off your loan, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should maintain full coverage.

Choosing deductibles

One of the hardest decisions when shopping for car insurance is which deductible level should you buy. The tables below highlight the rate differences between low and high physical damage coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.

Jeep Compass insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $222 $376 $294 $18 $88 $1,023 $85
Compass Sport 4WD $254 $458 $294 $18 $88 $1,137 $95
Compass Limited 2WD $254 $458 $294 $18 $88 $1,137 $95
Compass Limited 4WD $254 $458 $294 $18 $88 $1,137 $95
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Jeep Compass insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $162 $254 $294 $18 $88 $816 $68
Compass Sport 4WD $186 $310 $294 $18 $88 $896 $75
Compass Limited 2WD $186 $310 $294 $18 $88 $896 $75
Compass Limited 4WD $186 $310 $294 $18 $88 $896 $75
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate quotes do not factor in specific Tacoma garaging location which can lower or raise auto insurance rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $20 more each month or $240 for a full year than selecting the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 20 months between claim filings, you would probably save some money by selecting a higher deductible.

Impact of careless driving on car insurance rates

The information below illustrates how traffic citations and at-fault accidents can affect Jeep Compass insurance costs for different insured age categories. The data is based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

Car insurance rates and discounts

Companies that sell car insurance don't always publicize all possible discounts very clearly, so the following is a list of both the well known in addition to some of the lesser obvious credits that may apply to you.Car insurance discounts

One last thing about discounts, most discount credits are not given to the whole policy. Most only cut specific coverage prices like medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, it's just not the way it works.

A list of companies and some of the premium reductions they offer include:

If you want low cost Tacoma auto insurance quotes, ask every company to give you their best rates. Some discounts might not apply in Tacoma. To find insurance companies that offer some of these discounts in Washington, follow this link.

What if I want to buy from local Tacoma insurance agencies?

A lot of people prefer to sit down and talk to an agent and that is OK! The biggest benefit of comparing rate quotes online is you may find cheap insurance rates and also buy local.

Insurance agency in TacomaTo find an agent, once you fill out this short form, the coverage information gets sent to insurance agents in Tacoma who will give you bids and help you find cheaper coverage. You won't even need to search for an agent because prices are sent to the email address you provide. It's the lowest rates AND an agent nearby. If you want to compare prices from a specific insurance provider, don't hesitate to find their quoting web page and fill out the quote form the provide.

Deciding on an provider should depend on more than just the bottom line cost. Here are some questions you might want to ask.

Shown below is a list of car insurance companies in Tacoma that can give you comparison quotes for Jeep Compass insurance in Tacoma.

3009 Bridgeport Way W - Tacoma, WA 98466 - (253) 565-6490 - View Map

A and A Car Insurance
Tacoma, WA 98402 - Tacoma, WA 98402 - (253) 272-2044 - View Map

5905 29th St NE - Tacoma, WA 98422 - (253) 927-9295 - View Map

1919 N Pearl St Ste C3 - Tacoma, WA 98406 - (253) 565-1135 - View Map

More insurance agents

Auto insurance coverages explained

Learning about specific coverages of a auto insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you'll find typical coverage types found on the average auto insurance policy.

Comprehensive or Other Than Collision - Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like falling objects, a broken windshield and vandalism. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM Coverage - Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Jeep Compass.

Since many Washington drivers carry very low liability coverage limits (Washington limits are 25/50/10), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical costs insurance - Coverage for medical payments and/or PIP reimburse you for expenses such as pain medications, prosthetic devices and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability - This protects you from damage or injury you incur to other's property or people by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/10 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $10,000.

Liability coverage pays for claims such as medical expenses, repair costs for stationary objects, court costs, structural damage and loss of income. How much liability coverage do you need? That is your choice, but it's cheap coverage so purchase as large an amount as possible. Washington state minimum liability requirements are 25/50/10 but you should think about purchasing more liability than the minimum.

Collision - This coverage covers damage to your Compass resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, colliding with another moving vehicle, hitting a parking meter, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible on your Compass to save money on collision insurance.

Smart consumers save more

We've covered a lot of information how to save on Jeep Compass insurance in Tacoma. The key concept to understand is the more rate quotes you have, the better your chances of lowering your car insurance rates. Consumers could even find that the best price on insurance is with an unexpected company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.

Low-cost Jeep Compass insurance in Tacoma can be found both online and with local Tacoma insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers may not offer the ability to get a quote online and many times these smaller companies only sell through independent agencies.

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