How to Save on Virginia Beach Jeep Compass Insurance

Insurance quote for Jeep Compass in Virginia BeachHaving to pay for expensive Jeep Compass insurance in Virginia Beach can draw down your bank account and force you to make tough financial choices. Performing a price comparison can help to cut your insurance bill.

It’s an obvious statement that car insurance companies want to keep you from comparing rates. Insureds who do rate comparisons will presumably switch insurance companies because of the good chance of finding a lower-priced company. A recent insurance study discovered that consumers who routinely compared quotes saved an average of $72 a month compared to drivers who didn’t regularly shop around.

If finding the cheapest price for Jeep Compass insurance is why you’re here, learning how to shop and compare insurance can help simplify the process.

Numerous auto insurance companies battle for your hard-earned dollar, so it can be very hard to choose a company to discover the definitive best rates possible on Jeep Compass insurance in Virginia Beach.

If you are paying for car insurance now, you will definitely be able to find the best rates using the tips covered below. Finding the cheapest car insurance coverage in Virginia Beach is really not that difficult. But Virginia drivers need to learn how big insurance companies price insurance differently because rates are impacted by many factors.

The fastest way that we advise to compare car insurance rates for Jeep Compass insurance in Virginia Beach takes advantage of the fact most of the bigger providers participate in online systems to give rate comparisons. To get started, all you need to do is provide details including deductibles desired, how you use your vehicles, if you went to college, and if you’re married. Your insurance information is instantly submitted to many of the top insurers and they respond with quotes instantly to find the best rate.

To check rates for your Jeep Compass now, click here and enter the information requested.

The companies shown below are our best choices to provide free rate quotes in Virginia. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.

Cheaper rates on Jeep Compass insurance in Virginia Beach with these insurance discounts

Not many people think insurance is cheap, but you may qualify for discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you complete an application, but some must be specially asked for before they will apply.Cheaper insurance with discounts

Consumers should know that most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, it just doesn’t work that way.

The diagram below visualizes the comparison of Jeep Compass insurance costs with and without discounts applied to the premium. The premium estimates are based on a female driver, no claims or driving citations, Virginia state minimum liability limits, full coverage, 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, homeowner, marriage, safe-driver, and multi-car discounts applied.

To see insurance companies that can offer you the previously mentioned discounts in Virginia, follow this link.

Rate information and statistics

The coverage information below covers detailed analysis of insurance costs for Jeep Compass models. Having a better understanding of how car insurance prices are figured can be valuable when making decisions on the best policy coverages.


Jeep Compass Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $136 $250 $334 $20 $100 $840 $70
Compass Sport 4WD $156 $306 $334 $20 $100 $916 $76
Compass Limited 2WD $156 $306 $334 $20 $100 $916 $76
Compass Limited 4WD $156 $306 $334 $20 $100 $916 $76
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rates do not factor in Virginia Beach location which can revise price quotes considerably.

Physical damage deductibles

One common question asked by Virginia Beach drivers is which deductibles should you choose. The comparison tables below approximate the differences in price between high and low deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second price chart uses a $1,000 deductible.


Jeep Compass insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $192 $328 $258 $16 $78 $897 $75
Compass Sport 4WD $222 $400 $258 $16 $78 $999 $83
Compass Limited 2WD $222 $400 $258 $16 $78 $999 $83
Compass Limited 4WD $222 $400 $258 $16 $78 $999 $83
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Jeep Compass insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $108 $174 $258 $16 $78 $634 $53
Compass Sport 4WD $122 $210 $258 $16 $78 $684 $57
Compass Limited 2WD $122 $210 $258 $16 $78 $684 $57
Compass Limited 4WD $122 $210 $258 $16 $78 $684 $57
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rates do not factor in specific garaging location which can affect rates greatly.

Based on the figures above, using a $100 deductible costs approximately $25 more each month or $300 each year across all Jeep Compass models than quoting the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 36 months between claim filings, you would probably save some money if you choose the higher deductible.

The example below demonstrates how choosing different deductibles and can impact Jeep Compass yearly insurance costs for different age groups. Data assumes a single female driver, comp and collision included, and no discounts are taken into consideration.

Car insurance premiums by gender

The illustration below shows the comparison of Jeep Compass yearly insurance costs for male and female drivers. Data assumes no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are taken into consideration.

Full coverage rates compared to liability-only

The illustration below shows the difference between Jeep Compass insurance premiums with and without physical damage coverage. The premium estimates are based on no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no other discounts are factored in.

When to drop comprehensive and collision coverage

There is no exact formula to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your Jeep Compass book value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $8,000 after paying your deductible. If it’s costing in excess of $800 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some cases where only buying liability is not a good idea. If you still have a lienholder on your title, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not remove full coverage.

Best auto insurance in Virginia

Choosing the right car insurance provider is hard considering how many companies sell insurance in Virginia. The information shown below may help you select which coverage providers to look at purchasing a policy from.

Top 10 Virginia Beach Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. Erie Insurance
  9. Esurance
  10. The General

Top 10 Virginia Beach Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Allstate
  3. Nationwide
  4. State Farm
  5. GEICO
  6. Liberty Mutual
  7. American Family
  8. Esurance
  9. AAA Insurance
  10. Titan Insurance

Why Your Insurance Costs might be higher

Multiple criteria are taken into consideration when you quote your car insurance policy. Most are fairly basic like an MVR report, but others are not quite as obvious such as your credit history or your financial responsibility.

The following are some of the most rate-impacting factors used by your company to calculate your rate level.