Save on 2013 Jeep Patriot Insurance Rates

Buyers have options when searching for low-cost Jeep Patriot insurance. You can either spend your time contacting agents to compare prices or leverage the internet to find the lowest rates. There are both good and bad ways to compare car insurance rates so we’re going to tell you the quickest way to get price quotes for your Jeep and get the lowest possible price either online or from local insurance agents.

Consumers should take time to check car insurance prices quite often since rates tend to go up over time. Just because you found the lowest price for Patriot insurance a year ago a different company probably has better rates today. Starting now, block out anything you think you know about car insurance because you’re going to learn the easiest way to save money, get proper coverage and the best rates.

If you have a current insurance policy or need a new policy, you can follow these tips to find the best rates while maximizing coverage. This information will instruct you on the most effective way to quote insurance and some money-saving tips. Consumers just need to learn the most efficient way to shop for insurance over the internet.

Get lower rates on Jeep Patriot insurance

Companies don’t list all their discounts very clearly, so here is a list both well-publicized and the more hidden savings tricks you should be using. If you’re not getting every credit possible, you are paying more than you should be.

  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Sign Online – Certain companies may give you up to $50 for buying a policy and signing up digitally online.
  • Early Signing – Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.
  • Bundle and Save – When you have multiple policies with one insurance company you may earn at least 10% off all policies.
  • Military Discounts – Having a deployed family member could mean lower rates.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, you’re out of luck.

To see a list of providers who offer car insurance discounts, follow this link.

How to Compare Insurance Quotes

There are a variety of methods to shop for 2013 Jeep Patriot insurance, but one way is more efficient than others. You can waste hours driving to local insurance agents in your area, or you could save time and use online quoting to get rates in a matter of minutes.

Most major companies enroll in a system that allows shoppers to submit their information once, and every company can give them a price based on that information. This saves time by eliminating repetitive form submissions for each company.

To find out what other companies charge for 2013 Jeep Patriot insurance click to open in new window.

The only drawback to doing it this way is that consumers can’t choose which companies to get pricing from. If you prefer to choose from a list of companies to compare prices, we have assembled a list of low cost insurance companies in your area. Click here to view list.

Whichever method you choose, be sure to compare exactly the same coverage limits for each price quote. If you enter mixed coverages it’s not possible to make a fair comparison for your Jeep Patriot.

What determines your Jeep Patriot insurance premium

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for car insurance. When you know what positively or negatively influences your rates enables informed choices that could result in better car insurance rates.

Listed below are some of the items car insurance companies consider when setting premiums.

  • Pay less if you’re married – Having a wife or husband actually saves money on car insurance. Having a significant other usually means you are more responsible and statistics show drivers who are married are more cautious.
  • Your location is important – Being located in a rural area can be a good thing when insuring your vehicles. Drivers in populated areas have much more traffic and longer commute times. Lower population means reduced accidents.
  • Don’t get talked into coverage you don’t need – There are a ton of extra coverages that you can get tricked into buying when buying car insurance. Things like personal injury protection, accidental death and membership fees are some examples. These coverages may sound good when talking to your agent, but your needs may have changed so remove them from your policy.
  • How your age affects price – Young drivers tend to be more careless when driving so they pay higher car insurance rates. Having to add a young driver to your policy can really hurt. More mature drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Safe vehicles cost less to insure – Safer cars can get you lower premiums. Safer cars protect occupants better and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If the Jeep Patriot has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if your insurance needs could use an agent’s help.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I make deliveries for my home business?
  • What should my uninsured motorist coverage limits be in my state?
  • What is covered by UM/UIM coverage?
  • Can I afford low physical damage deductibles?
  • Does my 2013 Jeep Patriot qualify for pleasure use?
  • Where can I find DUI or SR-22 insurance?
  • What if I total my 2013 Jeep Patriot and owe more than it’s worth?
  • Is extra glass coverage worth it?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Do you really save 40% when you switch?

Consumers get pounded daily by advertisements that promise big savings by companies like State Farm and Allstate. They all have a common claim of big savings if you switch to them.

How does each company make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the right customer that makes them money. A good example of a desirable insured could be between the ages of 40 and 55, has no prior claims, and chooses high deductibles. A customer getting a price quote that hits that “sweet spot” receives the best rates and as a result will probably save when they switch companies.

Potential insureds who don’t meet this ideal profile must pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads say “people who switch” not “everyone that quotes” save that much. That’s why insurance companies can make those claims. This illustrates why drivers must quote coverage with many companies. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Coverage specifics

Understanding the coverages of insurance aids in choosing the best coverages for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Liability car insurance

Liability insurance can cover damages or injuries you inflict on people or other property. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things such as repair bills for other people’s vehicles, repair costs for stationary objects, legal defense fees, court costs and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverages

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, rock chips in glass, hitting a bird and damage from flooding. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Jeep Patriot.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses like prosthetic devices, dental work and surgery. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Auto collision coverage

This pays for damage to your Patriot resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Don’t throw your cash in the trash

Consumers who switch companies do it for many reasons like an unsatisfactory settlement offer, denial of a claim, extreme rates for teen drivers and high prices. It doesn’t matter what your reason, finding the right car insurance provider can be easy and end up saving you some money.

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There are many occasions where an insured cut uninsured motorist or liability limits and learned later that the savings was not a smart move. The aim is to buy a smart amount of coverage at an affordable rate.

We just showed you many ways to compare 2013 Jeep Patriot insurance prices online. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even discover the best price on car insurance is with the smaller companies.

Additional car insurance information is available on the following sites: