If saving money is your primary concern, then the best way to find affordable Jeep Compass insurance in Santa Ana is to start doing a yearly price comparison from insurers in California.
- Step 1: Gain an understanding of car insurance and the things you can control to prevent expensive coverage. Many policy risk factors that increase rates like inattentive driving and an unacceptable credit history can be rectified by being financially responsible and driving safely.
- Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO or State Farm, while agents who are independent can provide price quotes from multiple sources.
- Step 3: Compare the new rate quotes to your existing policy to see if cheaper Compass coverage is available in Santa Ana. If you find a lower rate, make sure there is no lapse in coverage.
- Step 4: Provide notification to your current agent or company to cancel your current auto insurance policy. Submit payment along with a signed and completed policy application for your new policy. Immediately keep your new proof of insurance certificate with your vehicle's registration.
A key point to remember is to compare identical coverage information on each price quote and and to compare all possible companies. This guarantees the most accurate price comparison and plenty of rates choose from.
Everyone knows that car insurance companies don't want their customers to go rate shopping. Consumers who shop for lower prices are highly likely to buy a different policy because there are good odds of finding a policy with better rates. A recent survey found that consumers who shopped around every year saved $3,400 over four years as compared to drivers who never compared other company's rates.
If finding budget-friendly rates on Jeep Compass insurance is your ultimate target, then having a good understanding how to quote and compare coverages can help make the process easier and more efficient.
The companies shown below are our best choices to provide free quotes in California. If multiple companies are listed, we recommend you visit several of them in order to find the most competitive rates.
Insurance statistics for a Jeep Compass
The premium table displayed below highlights different insurance premium costs for Jeep Compass models. Learning more about how rate quotes are formulated can help you make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Compass Sport 2WD | $284 | $554 | $464 | $28 | $138 | $1,468 | $122 |
| Compass Sport 4WD | $326 | $672 | $464 | $28 | $138 | $1,628 | $136 |
| Compass Limited 2WD | $326 | $672 | $464 | $28 | $138 | $1,628 | $136 |
| Compass Limited 4WD | $326 | $672 | $464 | $28 | $138 | $1,628 | $136 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rates do not factor in specific zip code location which can impact coverage rates greatly.
Higher deductibles save money
A question often asked by Santa Ana drivers is how high should your deductibles be. The following tables highlight how much more you'll pay between high and low deductibles. The first rate comparisons uses a $250 deductible and the second price grid 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 | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price estimates do not factor in specific garaging location which can alter premiums considerably.
Based on this data, using a $250 deductible costs roughly $30 more each month or $360 annually than requesting the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 25 months between claim filings, you would save more money going with the higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $250 deductibles: | $126 |
| Average monthly premium for $1,000 deductibles (subtract): | - $96 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($1,000 - $250): | $750 |
| Divide difference by monthly savings: | $750 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
The chart below demonstrates how choosing different deductibles and can impact Jeep Compass yearly insurance costs for each age group. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Males versus Females
The illustration below shows the comparison of Jeep Compass insurance prices for male and female drivers. The costs are based on no claims or violations, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.
Car insurance is not optional but you don't have to overpay
Despite the high cost, buying car insurance may not be optional for several reasons.
First, almost all states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability insurance 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 loan on your car, almost every bank will make it a condition of the loan that you have physical damage coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Jeep for a much higher rate and force you to pay for the expensive policy.
Third, car insurance protects your car and your assets. It will also provide coverage for medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay attorney fees if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance more than cancel out the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is wasting up to $810 a year so smart consumers compare quotes at every renewal to be sure current rates are still competitive.
Learn How to Get Car Insurance for Less
One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that go into determining the rates you pay for car insurance. If you have some idea of what impacts premium levels, this enables you to make decisions that may result in cheaper rates.
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Cautious drivers pay better costs - Having a clean driving record has a lot to do with how much you pay for insurance. Even a single driving citation may cause rates to rise to the point where it's not affordable. Careful drivers get better prices as compared to those with violations. Drivers who have received serious tickets such as DWI, reckless driving or hit and run convictions might be required by their state to complete a SR-22 with their state in order to drive a vehicle legally.
The example below illustrates how violations and at-fault claims can influence Jeep Compass auto insurance rates for different ages of insureds. The rates are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
- Single drivers may pay higher rates - Being married helps lower the price on your car insurance policy. It demonstrates that you tend to be more responsible it has been statistically shown that drivers who are married file infrequent claims.
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Teenagers are high risk - Older drivers tend to be more responsible, cause fewer claims and accidents, and usually have better credit. Drivers with little experience have a tendency to be less responsible in a vehicle so they pay higher car insurance rates.
The data below is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.
- Car features can affect car insurance rates - Owning a car with an alarm system can help lower your premiums. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms all hinder vehicle theft.
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Jeep Compass insurance loss probability - Insurance companies take into consideration insurance loss statistics for every vehicle when they set coverage costs for each model. Vehicles that statistically have higher loss trends will have higher premium rates. The table shown below demonstrates the actual insurance loss data for Jeep Compass vehicles.
For each policy coverage type, the claim amount for all vehicles combined as an average is equal to 100. Numbers shown that are under 100 mean the vehicle has better than average losses, while percentage numbers above 100 point to more losses or statistically larger losses.
Insurance Loss Ratings for Jeep Compass Vehicles Vehicle Make and 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 BETTERAVERAGEWORSEData Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
What is the best car insurance company in Santa Ana?
Finding a good quality auto insurance provider is hard considering how many choices you have in California. The information listed below can help you pick which insurers to look at shopping prices with.
| 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: Insure.com Best Car Insurance Companies
Quote more and you will save more
Affordable Jeep Compass insurance in Santa Ana can be bought both online in addition to local insurance agencies, and you need to price shop both to have the best selection. Some insurance providers may not provide the ability to get quotes online and most of the time these smaller companies sell through local independent agents.
When trying to cut insurance costs, it's a bad idea to buy less coverage just to save a little money. There have been many situations where an insured cut collision coverage and learned later that the savings was not a smart move. The ultimate goal is to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.
More detailed car insurance information can be found in these articles:
- Choosing an Insurance Company (Insurance Information Institute)
- Who Has the Cheapest Santa Ana Car Insurance for Low Income Drivers? (FAQ)
- What Auto Insurance is Cheapest for High School Students in Santa Ana? (FAQ)
- Who Has Affordable Auto Insurance for a Ford Explorer in Santa Ana? (FAQ)
- Who Has Cheap Auto Insurance for Infrequent Drivers in Santa Ana? (FAQ)
- Who Has Cheap Auto Insurance for a Toyota Corolla in Santa Ana? (FAQ)
- Who Has Affordable Santa Ana Auto Insurance for Business Use? (FAQ)
- What Car Insurance is Cheapest for Young Drivers in Santa Ana? (FAQ)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Vehicle Size and Weight FAQ (iihs.org)
- Credit and Insurance Scores (Insurance Information Institute)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)