Do you want lower-priced Jeep Compass insurance in Pittsburgh? Purchasing affordable Pittsburgh Jeep Compass insurance quotes might seem difficult for vehicle owners who are new to comparing prices over the internet. With so many insurance agents and insurers to choose from, how are we expected to have the ability to compare all the different companies and get the best pricing?
A recent study showed that over 70% of drivers kept their policy with the same company for over three years, and 38% of drivers have never shopped around. The average driver in Pennsylvania could save an average of up to $686 each year just by shopping around, but they don’t invest the time required to shop their coverage around.
If you have coverage now, you should be able to buy cheaper auto insurance using the following tips. Finding cheaper auto insurance coverage in Pittsburgh can be fairly easy. But Pennsylvania car owners can benefit from knowing how big insurance companies determine prices because rates fluctuate considerably.
Pittsburgh car insurance discounts
Buying car insurance is not cheap, but you may find discounts to help offset the cost. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be specially asked for prior to receiving the credit.
- Driver Training Discounts – Passing a course teaching defensive driving skills may get you a small discount if your company offers it.
- Good Students Pay Less – Performing well in school can save 20 to 25%. This discount can apply up to age 25.
- Sign Early and Save – Some companies give discounts for switching to them before your current Compass insurance policy expires. It can save you around 10%.
- Policy Bundle Discount – If you have multiple policies with the same insurance company you could get a discount of up to 20% off your total Compass insurance premium.
- Discount for Passive Restraints – Vehicles equipped with air bags may earn rate discounts of up to 25% or more.
- Active Service Discounts – Having an actively deployed family member could be rewarded with lower prices.
- Good Driver Discount – Insureds who avoid accidents may receive a discount up to 45% than their less cautious counterparts.
- Pittsburgh Homeowners Pay Less – Owning a house in Pittsburgh can save you money since home ownership means you have a higher level of financial diligence.
- Senior Citizen Discount – Mature drivers may receive better car insurance rates.
- Anti-lock Brake System – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.
Just know that some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way.
The chart below compares Jeep Compass annual premium costs with and without discounts applied to the premium. The price estimates are based on a female driver, no driving violations, no at-fault accidents, Pennsylvania 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 marriage, claim-free, homeowner, safe-driver, multi-policy, and multi-car discounts applied.
To choose car insurance companies that offer multiple discounts in Pittsburgh, click this link.
The most recommended method to compare car insurance company rates for Jeep Compass insurance in Pittsburgh utilizes the fact most of the larger companies participate in a system to provide you with free rate quotes. All you need to do is take a few minutes to give details including your credit rating estimate, how your vehicles are used, your job, and driver ages. That information is submitted instantly to many different companies and they return cost estimate with very little delay.
To compare rates for your Jeep Compass now, click here and enter your zip code.
The providers in the list below can provide price quotes in Pennsylvania. To get cheap auto insurance in Pittsburgh, we suggest you compare several of them to get the best price comparison.
Data for Jeep Compass insurance
The premium information shown below highlights estimates of insurance prices for Jeep Compass models. Having knowledge of how auto insurance prices are calculated helps drivers make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Compass Sport 2WD | $222 | $352 | $330 | $20 | $98 | $1,022 | $85 |
| Compass Sport 4WD | $254 | $428 | $330 | $20 | $98 | $1,130 | $94 |
| Compass Limited 2WD | $254 | $428 | $330 | $20 | $98 | $1,130 | $94 |
| Compass Limited 4WD | $254 | $428 | $330 | $20 | $98 | $1,130 | $94 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Prices do not factor in garaging location in Pittsburgh which can lower or raise coverage prices greatly.
Can higher deductibles save money?
One of the hardest decisions when shopping for car insurance is how high or low should comp and collision deductibles be. The tables below can help you understand the rate difference when you choose different deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Compass Sport 2WD | $222 | $352 | $330 | $20 | $98 | $1,047 | $87 |
| Compass Sport 4WD | $254 | $428 | $330 | $20 | $98 | $1,155 | $96 |
| Compass Limited 2WD | $254 | $428 | $330 | $20 | $98 | $1,155 | $96 |
| Compass Limited 4WD | $254 | $428 | $330 | $20 | $98 | $1,155 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Compass Sport 2WD | $180 | $284 | $330 | $20 | $98 | $912 | $76 |
| Compass Sport 4WD | $206 | $346 | $330 | $20 | $98 | $1,000 | $83 |
| Compass Limited 2WD | $206 | $346 | $330 | $20 | $98 | $1,000 | $83 |
| Compass Limited 4WD | $206 | $346 | $330 | $20 | $98 | $1,000 | $83 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can raise or lower auto insurance rates significantly.
We can estimate from the data above that using a $250 deductible would cost the average driver about $13 more each month or $156 each year averaged for all Compass models than choosing the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you have at least 19 months between claims, you would probably save some money if you decide on a higher deductible. Below is how this determination is made.
| Average monthly premium for $250 deductibles: | $94 |
| Average monthly premium for $500 deductibles (subtract): | – $81 |
| Monthly savings from raising deductible: | $13 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $13 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One important caveat is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you file a claim. You will want to have enough disposable income in the event you have to pay the deductible.
Responsible drivers pay cheaper Pittsburgh car insurance rates
The example below highlights how traffic violations and accidents influence Jeep Compass annual premium costs for different categories of driver ages. The premium estimates are based on a single male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
Independent or exclusive insurance agents
Many people just want to buy from a licensed agent and that is a personal choice. A good thing about comparing rate quotes online is that you can obtain the best rates and also buy local. Buying from local insurance agencies is definitely important in Pittsburgh.
After completing this simple form, your coverage information is immediately sent to local insurance agents in Pittsburgh that provide free Pittsburgh auto insurance quotes to get your business. You won’t need to leave your house since rate quotes are delivered to you. You can find the lowest rates and a licensed agent to talk to. If you wish to compare prices from a specific company, feel free to jump over to their website and fill out their quote form.
Is an exclusive or independent auto insurance agent right for you?
If you need to find a reliable insurance agent, it can be helpful to understand the different types of agencies that you can choose from. Insurance agencies are classified as either independent or exclusive depending on the company they work for.
Independent Insurance Agencies
Independent insurance agents are not employed by one company and that enables them to quote your coverage with any number of different companies and help determine which has the cheapest rates. If your agent finds better pricing, your policy is moved internally which makes it simple for you. If you are trying to find cheaper rates, it’s recommended you get some free quotes from independent agents for the best price selection. Many write coverage with different regional companies that many times have cheaper rates.
Featured below are independent agencies in Pittsburgh that may be able to provide free price quotes.
- Spodek Insurance Agency, Inc.
4349 Murray Ave – Pittsburgh, PA 15217 – (412) 521-8600 – View Map - McIlrath Insurance Agency
4601 Clairton Blvd – Pittsburgh, PA 15236 – (412) 882-9000 – View Map - Wagner Agency, Inc.
5020 Centre Ave – Pittsburgh, PA 15213 – (412) 681-2700 – View Map
Exclusive Agents
Agents in the exclusive channel can only provide pricing for a single company like State Farm, Allstate, or Farmers Insurance. These agents are unable to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agencies are very knowledgeable on what they offer and that enables them to sell even at higher rates. Some people will only choose to use an exclusive agent primarily because of the brand name rather than low price.
The following is a short list of exclusive agencies in Pittsburgh willing to provide price quotes.
- GEICO Insurance Agent
9026 St Simon Way – Pittsburgh, PA 15237 – (412) 364-7170 – View Map - Tad Paterra – State Farm Insurance Agent
984 Greentree Rd – Pittsburgh, PA 15220 – (412) 922-2622 – View Map - Steve Heller – State Farm Insurance Agent
146 Forest Hills Rd – Pittsburgh, PA 15221 – (412) 824-4800 – View Map
Choosing the best auto insurance agent shouldn’t rely on just the quoted price. Below are some questions you should ask.
- What discounts might you be missing?
- Is auto insurance their primary focus in Pittsburgh?
- Are they able to influence company decisions when a claim is filed?
- Do you work with a CSR or direct with the agent?
- Is insurance their full-time profession?
If you receive good feedback to any questions you may have and locked in a price quote, you may have found an auto insurance agent that is professional and can insure your vehicles. It’s important to know that you are entitled to cancel your coverage at any point so never assume that you are permanently stuck with any specific agency for any length of time.
One last thing to lower rates
Some insurance companies may not offer online price quotes and most of the time these smaller providers work with local independent agencies. The cheapest Jeep Compass insurance in Pittsburgh can be purchased on the web and from local agencies, and you should compare price quotes from both to have the best rate selection.
Throughout this article, we presented quite a bit of information on how to get a better price on Jeep Compass insurance in Pittsburgh. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the best price on insurance is with a company that doesn’t do a lot of advertising.
As you restructure your insurance plan, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced full coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.
Steps to finding cheaper rates for Jeep Compass insurance in Pittsburgh
The best way to save money on Jeep Compass insurance in Pittsburgh is to regularly compare prices from providers in Pennsylvania. Rates can be compared by following these steps.
- Step 1: Learn about how auto insurance works and the factors you can control to keep rates in check. Many things that result in higher rates such as speeding tickets, careless driving and a substandard credit history can be controlled by making small lifestyle or driving habit changes.
- Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes for a wide range of companies. Click to view companies
- Step 3: Compare the quotes to your current policy premium and see if there is a cheaper rate in Pittsburgh. If you find better rates and make a switch, make sure there is no coverage gap between policies.
A key point to remember is to try to compare the same deductibles and limits on every price quote and and to get prices from as many companies as feasibly possible. Doing this guarantees an accurate price comparison and a good representation of prices.
Additional information is located on the following sites:
- Teen Driving Statistics (iihs.org)
- Who Has Cheap Car Insurance Rates for College Students in Pittsburgh? (FAQ)
- Who Has the Cheapest Pittsburgh Car Insurance for a Nissan Versa? (FAQ)
- What is a Telematics Device? (Allstate)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Parking Tips to Reduce Door Dings (State Farm)