Car Insurance Quotes for a Jeep Compass in Mesa

Insurance quote for Jeep Compass in MesaThe most effective way to find affordable Jeep Compass insurance in Mesa is to start comparing prices regularly from providers in Arizona. You can shop around by completing these steps.

One tip to remember is to try to use identical deductibles and limits on each quote request and and to get rates from every company you can. This guarantees an accurate price comparison and a good representation of prices.

Sadly, most auto insurance customers renewed their policy with the same company for at least the last four years, and approximately 38% of consumers have never compared quotes from other companies. Most drivers in Mesa can save roughly $733 each year by just comparing quotes, but they just feel it’s too hard to compare rates online.

If you have insurance now or want to find a cheaper company, use these cost-cutting techniques to get lower rates without sacrificing coverage. Locating the best insurance company for you in Mesa can be much easier if you know how to start. Smart shoppers just need to know the most efficient way to buy insurance using one simple form.

Companies offering low-cost Jeep Compass price quotes in Mesa, AZ

The companies in the list below offer quotes in Mesa, AZ. To get the best auto insurance in Mesa, AZ, we suggest you visit several of them to get a more complete price comparison.

Insurance coverage details

The information displayed below outlines estimates of policy rates for Jeep Compass models. Understanding more about how auto insurance policy rates are established can help you make smart buying decisions.

Jeep Compass Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $120 $198 $306 $18 $92 $734 $61
Compass Sport 4WD $138 $240 $306 $18 $92 $794 $66
Compass Limited 2WD $138 $240 $306 $18 $92 $794 $66
Compass Limited 4WD $138 $240 $306 $18 $92 $794 $66
Get Your Own Custom Quote Go

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in specific location which can revise auto insurance rates greatly.

Physical damage deductibles

When comparing car insurance rates, the most common question is where should you set your physical damage deductibles. The data tables below can help you visualize the difference in cost when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.

Jeep Compass insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $224 $382 $300 $18 $90 $1,039 $87
Compass Sport 4WD $258 $466 $300 $18 $90 $1,157 $96
Compass Limited 2WD $258 $466 $300 $18 $90 $1,157 $96
Compass Limited 4WD $258 $466 $300 $18 $90 $1,157 $96
Get Your Own Custom Quote Go

Jeep Compass insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $124 $202 $300 $18 $90 $734 $61
Compass Sport 4WD $144 $246 $300 $18 $90 $798 $67
Compass Limited 2WD $144 $246 $300 $18 $90 $798 $67
Compass Limited 4WD $144 $246 $300 $18 $90 $798 $67
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium amounts do not factor in your specific Mesa location which can increase or decrease insurance rates substantially.

Based on these figures, using a $100 deductible will cost you approximately $28 more each month or $336 every year than selecting the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you go at least 32 months between claims, you would save money by going with a higher deductible. Here is the way this calculation is made.

Average monthly premium for $100 deductibles: $94
Average monthly premium for $1,000 deductibles (subtract): – $66
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 32 months

An important thing to remember is that raising deductibles to get cheaper rates means you will have to pay more when you do file a claim. That will require enough extra money in order to pay the deductible for vehicle repair.

The example below demonstrates how deductible levels and can change Jeep Compass insurance rates for each different age group. The price estimates are based on a single female driver, full coverage, and no policy discounts are applied.

Jeep Compass insurance costs by gender and age in Mesa

The example below shows the comparison of Jeep Compass insurance rates for male and female drivers. The data assumes no accidents, no driving violations, full coverage, $250 deductibles, marital status is single, and no policy discounts are applied.

Save money by taking advantage of discounts

Insurance is not cheap nor is it fun to buy but you can get discounts that many consumers don’t even know exist. Certain reductions will be credited when you complete an application, but less common discounts must be specially asked for before you will receive the discount.Insurance discounts

Remember that most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way.

The example below shows the difference between Jeep Compass annual premium costs with and without discounts applied to the premium. The prices are based on a female driver, a clean driving record, no claims, Arizona state minimum liability limits, full physical damage 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, multi-policy, marriage, safe-driver, claim-free, and homeowner discounts applied.

To view insurance companies who offer cheap Jeep Compass insurance quotes in Mesa in Mesa, click here.

You Can Change Your Insurance Premiums

Smart consumers have a good feel for a few of the rating criteria that help calculate the rates you pay for auto insurance. If you understand what determines base rates, this allows you to make good choices that could result in cheaper rates.

Save money by having multiple policies – Most auto insurance companies will give a discount to buyers who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to ten or even fifteen percent. Even if you’re getting this discount drivers will still want to shop around to ensure the best deal. You may still be able to find a better deal by buying from different companies

More people means more accidents – Living in less populated areas may provide you with better prices when buying auto insurance. Less people living in that area translates into fewer accident claims in addition to lower liability claims. People in densely populated areas have much more traffic and higher rates of accident claims. The longer drive time translates into higher accident risk.

Driving citations are costly – Careful drivers get better prices as compared to careless drivers. Even a single citation can boost insurance rates by twenty percent. People who have flagrant citations like DUI, reckless driving or excessive speeding may be required to file a SR-22 with their state motor vehicle department in order to legally drive.

The example below illustrates how violations and accident claims increase Jeep Compass car insurance costs for each different age group. Data assumes a single female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

Marriage is a bonus – Having a significant other helps lower the price on your auto insurance policy. It means you’re more mature and responsible and insurance companies like that married drivers tend to file fewer claims.

Youthful drivers pay high costs – Mature drivers tend to be more responsible, tend to cause fewer accidents, and usually have better credit. Beginning drivers have a tendency to be easily distracted behind the wheel therefore auto insurance rates are much higher.

The next chart assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Jeep Compass claim statistics – Auto insurance companies factor in insurance loss information to calculate a price that will offset any claims. Models that tend to have a trend towards higher claim severity or frequency will cost more for specific coverages. The information below illustrates the historical insurance loss data for Jeep Compass vehicles.

For each coverage type, the claim probability for all vehicles as a whole is equal to 100. Values below 100 indicate a favorable loss history, while numbers shown that are more than 100 indicate a higher chance of having a claim or a tendency for losses to be larger than average.

Insurance Loss Ratings for Jeep Compass Vehicles
Vehicle 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

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

You are unique and your auto insurance should be too

When it comes to buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different.Drive safe and save

Here are some questions about coverages that might help in determining whether or not you would benefit from an agent’s advice.

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Exclusive versus independent car insurance agents

Some consumers just want to talk to an insurance agent and doing that can be a smart decision Agents can answer important questions and help you file claims. One of the benefits of comparing rates online is that you can find cheap insurance rates and also buy local. Supporting local insurance agencies is still important in Mesa.

Find insurance agent in MesaTo help locate an agent, after submitting this form (opens in new window), your coverage information is immediately sent to agents in your area that provide free Mesa car insurance quotes for your coverage. You won’t need to drive around due to the fact that quote results will go instantly to you. If for some reason you want to compare rates from a specific insurance provider, you can always go to their quote page and complete a quote there.

Two types of auto insurance agents

If you’re trying to find a local Mesa insurance agent, you should know the different agency structures and how they function. Insurance agents can either be exclusive agents or independent agents. Both sell affordable insurance policies, but it’s worth mentioning the difference in the companies they write for because it can factor into the kind of agent you use.

Independent Insurance Agencies or Brokers

Agents in the independent channel often have affiliation with several companies so they can quote policies with lots of companies and get the cheapest rates. If you are not satisfied with one company, they simply move your policy to a different company and the insured can keep the same agent.

When comparison shopping, we recommend you contact a couple of independent agencies to have the best price comparison.

Listed below are Mesa independent agencies that may be able to give you free insurance quotes.

2941 N Power Rd Suite 101Mesa, AZ 85215(480) 448-1555View Map

2045 S Vineyard #152Mesa, AZ 85210(480) 820-2020View Map

3851 E Main StMesa, AZ 85205(480) 924-2600View Map

More Mesa agents

Exclusive Insurance Agents

Agents of this type can only place business with one company such as State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents receive extensive training on their company’s products and that allows them to sell at a higher price point.

Listed below are exclusive insurance agencies in Mesa that are able to give price quote information.

6836 E Brown Rd #101Mesa, AZ 85207(480) 396-2140View Map

Marge Black-Graziano – State Farm Insurance Agent
1155 S Power Rd #106Mesa, AZ 85206(480) 832-5355View Map

5540 E Broadway Rd Ste 6Mesa, AZ 85206(480) 830-0046View Map

More Mesa agents

Picking the best insurance agent should depend on more than just a cheap price quote. Here are some questions you should ask.

If you receive satisfactory answers for all questions you ask and a good coverage price, you’ve probably found an insurance agency that meets your needs to adequately provide insurance. Just remember you have the power to cancel coverage for any reason so don’t assume that you are obligated to a specific company for any length of time.

Arizona auto insurance company ratings

Choosing a high-quality car insurance company can be challenging considering how many companies sell insurance in Arizona. The rank data shown below could help you choose which auto insurance companies to look at when comparing rates.

Top 10 Mesa Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

More effort can pay off

Consumers leave their current company for any number of reasons including not issuing a premium refund, poor customer service, delays in paying claims or even questionable increases in premium. It doesn’t matter why you want to switch finding a great new company is not as difficult as it may seem.

We’ve covered many tips how you can save on Jeep Compass insurance in Mesa. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the biggest savings come from a company that doesn’t do a lot of advertising.

A few companies may not have online rate quotes and these smaller companies work with local independent agencies. More affordable car insurance in Mesa is definitely available on the web and from local insurance agents, and you should be comparing both to have the best chance of lowering rates.

More information can be found at the links below