Jeep Compass Insurance Rate Quotes in Baltimore

Amazingly, the vast majority of car insurance customers kept their policy with the same company for more than four years, and virtually 40% of consumers have never even compared quotes to find affordable rates. Most drivers in Baltimore can cut their rates by $750 a year just by comparing rates, but they don’t know the large savings they would see if they swap their current policy for a cheaper one.

Truthfully, the best way to get budget car insurance rates in Baltimore is to compare prices annually from insurers that sell auto insurance in Maryland.

1. Try to learn about policy coverages and the measures you can take to prevent expensive coverage. Many rating criteria that are responsible for high rates such as distracted driving and an imperfect credit score can be rectified by making minor changes to your lifestyle.
2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like Progressive and State Farm, while agents who are independent can provide rate quotes from multiple sources.
3. Compare the new quotes to the premium of your current policy to see if cheaper Compass coverage is available in Baltimore. If you find a lower rate and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
4. Provide proper notification to your current company to cancel your current auto insurance policy. Submit a down payment and signed policy application to the newly selected company. Make sure you safely store the certificate verifying proof of insurance with your registration paperwork.

One tip to remember is to try to use the same deductibles and limits on each price quote and to quote with as many companies as possible. This helps ensure an accurate price comparison and the best price selection.

Discounts mean cheaper rates for Jeep Compass insurance in Baltimore

Auto insurance is easily one of your largest bills, but discounts can save money and there are some available to cut the cost considerably. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be requested specifically before being credited.

• Early Signing – Select companies give a discount for switching policies prior to your current Compass insurance policy expiring. The savings is around 10%.
• Defensive Driver – Participating in a class that teaches driver safety techniques could save 5% or more and also improve your driving technique.
• Resident Student – Youth drivers who are enrolled in a college that is more than 100 miles from Baltimore and do not have a car can receive lower rates.
• Good Drivers – Insureds who avoid accidents could pay up to 40% less compared to rates paid by drivers with frequent claims.
• Anti-theft Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft and will save you 10% or more on Compass insurance in Baltimore.
• Telematics Discount – Drivers that enable their company to study where and when they drive by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they are good drivers.
• Passive Restraint Discount – Factory options such as air bags or automatic seat belts can get savings of 25 to 30%.
• Senior Citizens – Older drivers may qualify for a small decrease in premiums.
• Good Grades Discount – Excelling in school may save as much as 25% on a Baltimore auto insurance quote. Earning this discount can benefit you well after school through age 25.
• Paperless Signup – Some larger companies will give you a small discount shop Baltimore auto insurance digitally online.

One thing to note about discounts is that most of the big mark downs will not be given to the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. Even though it appears you could get a free auto insurance policy, you aren’t that lucky.

The diagram below shows the comparison of Jeep Compass insurance costs with and without discounts applied to the policy rates. The costs are based on a male driver, no accidents or driving violations, Maryland state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, marriage, and multi-policy discounts applied.

Larger auto insurance companies and some of the discounts are included below.

• 21st Century offers discounts including defensive driver, anti-lock brakes, driver training, automatic seat belts, and student driver.
• State Farm has discounts for Steer Clear safe driver discount, driver’s education, good student, safe vehicle, multiple policy, defensive driving training, and good driver.
• AAA offers premium reductions for multi-car, good driver, good student, anti-theft, AAA membership discount, and pay-in-full.
• Liberty Mutual has savings for safety features, exclusive group savings, teen driver discount, preferred payment discount, hybrid vehicle, and new move discount.
• Progressive may offer discounts for continuous coverage, homeowner, multi-policy, multi-vehicle, good student, and online signing.

Check with every insurance company how many discounts you can get. Savings might not be available to policyholders in Baltimore.

The method we recommend to get policy rate comparisons for Jeep Compass insurance in Baltimore takes advantage of the fact most of the bigger providers participate in online systems to compare their rates. The only thing you need to do is give them some information like types of safety features, the make and model of your vehicles, if you have a valid license, and how much you drive. The rating information is then submitted to multiple top-rated companies and you should receive rate quotes instantly to find the best rate.

If you wish to get multiple quotes for your car now, click here and see if a lower rate is available in Baltimore.

The companies in the list below provide price quotes in Maryland. In order to find the cheapest car insurance in Maryland, it’s highly recommended you click on several of them to get the best price comparison.

Car insurance statistics and figures

The premium information shown next highlights a range of prices for Jeep Compass models. Having knowledge of how auto insurance prices are established can be of help when making informed purchases.

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rates do not factor in specific location which can revise auto insurance rates greatly.

Car insurance deductibles

One of the hardest decisions when shopping for car insurance is the level to set your comp and collision deductibles. The following insurance rates can help you understand the rate differences when you buy lower versus higher physical damage deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can affect premium rates significantly.

We can derive from the above data that using a $100 deductible costs about $39 more each month or $468 every year averaged for all Compass models than requesting 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 average at least 23 months between claim filings, you would probably save some money if you elect the higher deductible.

Careless drivers pay higher rates

The diagram below demonstrates how citations and fender-benders can influence Jeep Compass insurance premiums for different categories of driver ages. The premiums are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

Gender-based car insurance premiums in Baltimore

The illustration below visualizes the comparison of Jeep Compass insurance rates for male and female drivers. The costs are based on no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, marital status is single, and no policy discounts are applied.

When should I get advice from a local insurance agent?

A lot of people would prefer to go talk to an agent and that can be a great decision One of the best bonuses of comparing insurance prices online is the fact that drivers can get better rates and still buy from a local agent. Buying from small agencies is important especially in Baltimore.

After completing this form (opens in new window), the quote information gets sent to local insurance agents who can give free rate quotes and help you find cheaper coverage. There is no reason to search for an agent because prices are sent to the email address you provide. Get lower rates and a licensed agent to talk to. If you have a need to get a rate quote from a particular provider, you would need to jump over to their website and complete a quote there.

If you need to find an insurance agent, it can be helpful to understand the types of agencies and how they are slightly different. Insurance agents can be categorized as either exclusive agents or independent agents.

Independent Insurance Agents

Independent insurance agents are normally appointed by many insurers so they have the ability to put coverage through many different insurance companies and possibly get better coverage at lower prices. If they find a lower price, they can switch companies in-house and you can keep the same agent. When shopping rates, you should always check rates from several independent agencies to get the best comparison. Many can place coverage with smaller regional carriers which can save you money.

Featured below is a list of independent insurance agencies in Baltimore who may provide rate quotes.

• Concrete Insurance
  6405 Belair Rd – Baltimore, MD 21206 – (410) 433-0313 – View Map
• Nationwide Insurance: Robert Frank Stastny
  6822 Harford Rd – Baltimore, MD 21234 – (410) 254-1500 – View Map
• Morgan Smith Insurance Agency
  847 W 36th St – Baltimore, MD 21211 – (410) 889-9290 – View Map

View more agents

Exclusive Insurance Agencies

Agents of this type can only quote rates from one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot place coverage with different providers so they have to upsell other benefits. Exclusive agencies are highly trained on what they offer and that can be a competitive advantage. A lot of people buy from exclusive agents primarily because of the prominence of the brand rather than low price.

The following are Baltimore exclusive insurance agencies willing to provide comparison quotes.

• Allstate Insurance: Bennett-Carll Insurance Agency
  7435 Baltimore Annapolis Blvd – Glen Burnie, MD 21061 – (410) 760-6651 – View Map
• Nathan Scholze – State Farm Insurance Agent
  101 St Helena Ave – Baltimore, MD 21222 – (410) 288-4120 – View Map
• Paul Funk – State Farm Insurance Agent
  307 Frederick Rd – Baltimore, MD 21228 – (410) 744-0077 – View Map

View more agents

Choosing the best insurance agency requires more thought than just a cheap quote. Here are some questions you should ask.

• Do they get paid more for recommending certain coverages?
• How often do they review policy coverages?
• Do they offer claims assistance after hours?
• Are claim adjusters local or do you have to take your car somewhere else?
• Which insurance company do they prefer to write with?
• Is the agency covered by Errors and Omissions coverage?

Find cheaper auto insurance prices by comparing often

People switch companies for any number of reasons including high prices, lack of trust in their agent, policy non-renewal and even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a great new company can be less work than you think.

Some auto insurance companies don’t offer online quoting and many times these regional carriers sell through independent agencies. Cheaper Jeep Compass insurance in Baltimore is possible both online and also from your neighborhood Baltimore agents, so you need to compare both so you have a total pricing picture.

You just read some good ideas how to reduce Jeep Compass insurance premium rates online in Baltimore. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding affordable Baltimore auto insurance quotes. You may even find the lowest priced auto insurance comes from some of the smallest insurance companies.

Additional articles

• Your Car has been Stolen: Now What? (Allstate)
• Who Has Affordable Baltimore Car Insurance Rates for Lyft Drivers? (FAQ)
• How Much is Baltimore Car Insurance for Drivers with Good Credit? (FAQ)
• What Auto Insurance is Cheapest for a Subaru Outback in Baltimore? (FAQ)
• Auto Insurance for Teen Drivers (Insurance Information Institute)
• Auto Insurance Facts and Statistics (Insurance Information Institute)
• Car Insurance FAQ (Trusted Choice)