Cheap Rates for Jeep Compass Insurance in Riverside

Paying for pricey Jeep Compass insurance in Riverside can bottom out your budget and force you to make tough financial choices. Price shopping at each renewal can help to reduce premiums and put more money in your pocket.

Discount Jeep Compass insuranceUnimaginable but true, 70% of consumers kept buying from the same company for well over three years, and approximately 40% of consumers have never compared car insurance rates at all. Drivers in the United States can save hundreds of dollars each year by just comparing quotes, but they don’t know how much money they would save if they just switched companies.

You have so many insurance companies to pick from, and although it’s nice to have a selection, too many choices makes it more difficult to compare rates for Jeep Compass insurance in Riverside.

You should make it a habit to take a look at other company’s rates yearly because car insurance prices are usually higher with each renewal. If you had the best rates on Jeep Compass insurance in Riverside at your last renewal other companies may now be cheaper. Block out anything you think you know about car insurance because it’s time to teach you how to use the internet to lower your annual insurance bill.

The method we recommend to compare insurance rates in your area is to know most larger insurance companies participate in online systems to give rate comparisons. The only thing you need to do is provide a small amount of information like if you have a valid license, whether you are married, how much you drive, and how you use your vehicles. Those rating factors is then submitted to multiple companies and you should receive rate quotes with very little delay.

If you wish to get multiple quotes for your Jeep Compass now, click here and find out if you can get cheaper insurance in Riverside.

The companies shown below have been selected to offer quotes in California. If multiple providers are shown, we recommend you visit several of them to get a more complete price comparison.

Jeep Compass coverage analysis

The information shown next covers detailed analysis of prices for Jeep Compass models. Learning more about how auto insurance policy rates are established can help you make smart choices when comparing insurance quotes.

Jeep Compass Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $284 $554 $500 $30 $150 $1,518 $127
Compass Sport 4WD $326 $672 $500 $30 $150 $1,678 $140
Compass Limited 2WD $326 $672 $500 $30 $150 $1,678 $140
Compass Limited 4WD $326 $672 $500 $30 $150 $1,678 $140
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Information does not factor in your specific Riverside location which can lower or raise price quotes greatly.

Policy deductible comparison

One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The following insurance rates lay out the price difference between low and high insurance deductibles. The first data table uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.

Jeep Compass insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $332 $564 $442 $26 $132 $1,521 $127
Compass Sport 4WD $380 $686 $442 $26 $132 $1,691 $141
Compass Limited 2WD $380 $686 $442 $26 $132 $1,691 $141
Compass Limited 4WD $380 $686 $442 $26 $132 $1,691 $141
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Jeep Compass insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $242 $382 $442 $26 $132 $1,224 $102
Compass Sport 4WD $278 $464 $442 $26 $132 $1,342 $112
Compass Limited 2WD $278 $464 $442 $26 $132 $1,342 $112
Compass Limited 4WD $278 $464 $442 $26 $132 $1,342 $112
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in vehicle location which can impact premium rates substantially.

Based on these figures, using a $100 deductible costs about $28 more each month or $336 a year across all Jeep Compass models than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go more than 14 months between claims, you would most likely save money by going with a higher deductible. The numbers below show an example of how we made this calculation.

Average monthly premium for $100 deductibles: $138
Average monthly premium for $500 deductibles (subtract): – $110
Monthly savings from raising deductible: $28
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

An important sidenote is that raising deductibles means you will have to pay more when you have a physical damage claim. You will want to have some extra funds in the event you have to pay the higher deductible in order to repair your vehicle.

The diagram below illustrates how your deductible choice and can impact Jeep Compass annual premium costs for different insured age categories. The rates are based on a single female driver, full coverage, and no discounts are taken into consideration.

Jeep Compass insurance rates by age and gender

The chart below shows the difference between Jeep Compass insurance costs for male and female drivers. Data assumes a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are applied to the premium.

When to get advice from an insurance agency

Many drivers would prefer to get advice from a local agent and we recommend doing that One of the best bonuses of comparing auto insurance online is that you can find lower rates and still have a local agent.

Riverside insurance agentsAfter completing this short form, your insurance coverage information is sent to local insurance agents who can give free rate quotes for your business. You won’t need to find an agent on your own due to the fact that quote results will go to you directly. You can find better rates and a licensed agent to work with. If you wish to compare prices for a specific company, you just need to go to their quote page and give them your coverage information.

Picking an insurance company shouldn’t rely on just a low price. Ask your prospective agent these questions:

Insurance agent types

When narrowing the list to find an insurance agent, it’s important to understand the types of agencies and how they are slightly different. Auto insurance agents can either be independent or exclusive.

Exclusive Auto Insurance Agents

Exclusive agents can only place business with one company and examples are Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare other company’s rates so they have to upsell other benefits. Exclusive agents receive extensive training on their company’s products which aids in selling service over price.

The following are Riverside exclusive insurance agencies that can give you price quote information.

1525 3rd St bRiverside, CA 92507(951) 784-0951View Map

10452 Magnolia AveRiverside, CA 92505(951) 688-8206View Map

10800 Hole Ave #3Riverside, CA 92505(951) 343-3408View Map

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Independent Insurance Agents

These agents often have affiliation with several companies so as a result can place your coverage through many companies and possibly get better coverage at lower prices. If they find a lower price, the agent simply finds a different carrier and that require little work on your part. If you need lower rates, you absolutely need to get several quotes from independent agents so that you have a good selection of quotes to compare.

The following is a short list of independent insurance agencies in Riverside who can help you get price quotes.

6200 Pegasus Dr #1Riverside, CA 92503(951) 785-8521View Map

3595 Van Buren Boulevard #201Riverside, CA 92503(951) 687-9152View Map

3727 6th StRiverside, CA 92501(951) 680-0575View Map

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Ratings for California auto insurance companies

Selecting a highly-rated insurer can be difficult considering how many companies sell insurance in California. The information below can help you pick which car insurance companies to look at purchasing coverage from.

Best Auto Insurance Companies in Riverside
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies