Do 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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 | |||||||
| 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.
- Anti-lock Brakes – Cars with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
- Defensive Driving Course – Taking time to complete a course in driver safety may get you a small discount and easily pay for the cost of the class.
- Active Military Service – Having a deployed family member could trigger a small discount.
- Passive Restraint Discount – Vehicles equipped with air bags can receive discounts of more than 20%.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- Federal Government Employee – Active or former government employment could cut as much as 10% off with some auto insurance companies.
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.
- Farmers Insurance offers discounts for pay in full, teen driver, distant student, multi-car, and business and professional.
- State Farm has discounts for driver’s education, Drive Safe & Save, anti-theft, defensive driving training, multiple autos, good student, and Steer Clear safe driver discount.
- Liberty Mutual offers premium reductions for newly married, newly retired, exclusive group savings, good student, and teen driver discount.
- MetLife policyholders can earn discounts including multi-policy, accident-free, good driver, defensive driver, claim-free, and good student.
- Progressive discounts include online signing, good student, multi-vehicle, online quote discount, and continuous coverage.
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.
After 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.
Schmoekel Insurance Inc
7558 Stockton Blvd – Sacramento, CA 95823 – (916) 753-1480 – View Map
Castro Property and Commercial Insurance
155 15th St c – West Sacramento, CA 95691 – (916) 482-9600 – View Map
Pan American Underwriters
1610 Arden Way # 121 – Sacramento, CA 95815 – (916) 286-5960 – View Map
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.
Bill Batchelder – State Farm Insurance Agent
8887 Folsom Blvd #3a – Sacramento, CA 95826 – (916) 361-3114 – View Map
Farmers Insurance – Wayne Wong
2015 Q St – Sacramento, CA 95811 – (916) 760-7858 – View Map
Barbara Etrick – State Farm Insurance Agent
6332 Florin Rd – Sacramento, CA 95823 – (916) 822-5110 – View Map
Choosing the best car insurance agent requires you to look at more than just a cheap price quote. Here are some questions to ask:
- Is coverage determined by price?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Where would your vehicle be repaired?
- Do they receive special compensation for putting your coverage with one company over another?
- Does the quote include credit and driving reports?
- Do they prorate repair cost based on vehicle mileage?
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.
For instance, these questions may help you determine if your insurance needs will benefit from professional help.
- Will my Jeep Compass be repaired with OEM or aftermarket parts?
- Should I bundle my homeowners policy with my auto?
- Do I get a pro-rated refund if I cancel my policy early?
- Am I covered if I crash into my own garage door?
- Do I need medical payments coverage since I have good health insurance?
- Does my policy cover my teen driver if they drive my company car?
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
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- 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.
- 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.
- 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
- 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.
- 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.
To read more, feel free to browse the resources below:
- Winter Driving (Insurance Information Institute)
- Who Has the Cheapest Car Insurance for 19 Year Olds in Sacramento? (FAQ)
- How Much are Auto Insurance Rates for a 20 Year Old Female in Sacramento? (FAQ)
- Who Has Affordable Auto Insurance for Inexperienced Drivers in Sacramento? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Drivers Over Age 70 in Sacramento? (FAQ)
- Who Has Affordable Sacramento Auto Insurance for a Dodge Ram? (FAQ)
- Who Has Cheap Sacramento Auto Insurance Rates for a Learners Permit? (FAQ)
- What Does No-Fault Insurance Cover? (Allstate)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Learn About Car Insurance (GEICO)