Cheaper 2008 Jeep Patriot Insurance Quotes

Trying to find lower car insurance rates for your Jeep Patriot? Overwhelmed by the crazy number of car insurance choices that you can choose from? Lot’s of other drivers are too. consumers have so many choices that it can be a ton of work to find the lowest price.

Buying car insurance is not that difficult. In a nutshell, everyone who buys auto insurance most likely will be able to find better rates. Nevertheless, drivers must know the way insurance companies market on the web and take advantage of how the system works.

The most recommended method to get rate comparisons takes advantage of the fact most insurance companies have advanced systems to compare their rates. The only thing you need to do is give them some information like your occupation, whether you are single or married, types of safety features, and if the vehicle is leased. That information is instantly provided to many of the top insurers and you get price estimates immediately.

Do insurance coverage companies bend the truth?

Companies like State Farm, Allstate and GEICO constantly bombard you with ads on TV and radio. All the companies make an identical promise that people will save if you get a free car insurance quote and switch to them. It sounds good, but how can they all make the same claim? It’s all in the numbers.

Different companies have a preferred profile for the type of driver that will be a good risk. For example, a profitable customer may need to be over the age of 35, has a clean driving record, and insures a new vehicle. Any driver who fits those characteristics will most likely get cheap car insurance rates as well as save when switching.

Consumers who are not a match for the ideal profile will be quoted higher rates which results in the customer buying from someone else. The ads say “customers that switch” not “all people who quote” can save as much as they claim. That’s the way companies can make the claims of big savings. Different companies use different criteria so you should compare as many free car insurance quotes as you can. It is impossible to predict with any certainty which company will have the best car insurance rates for your profile.

Why your insurance premiums might be higher

Many factors are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, although others are not quite as obvious like where you live or your commute time.

  • Men pay higher rates – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Women and men are in accidents in similar percentages, but men get into accidents with more damage. Men also statistically get more serious tickets like reckless driving and DUI. Male teenagers tend to get in the most accidents and therefore pay the highest rates.
  • Extra coverages may be wasting money – There are quite a few optional add-on coverages that you can get tricked into buying when buying car insurance. Add-on coverages like coverage for rental cars, towing coverage, and motor club memberships could be just wasting money. You may think they are a good idea when talking to your agent, but if you don’t need them remove them from your policy.
  • Infrequent drivers can save – Driving more miles in a year the higher your rates will be. Most insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Autos that have low annual miles receive lower rates than vehicles that are driven to work every day. An improperly rated Patriot can cost quite a bit. It’s always a good idea to double check that your policy shows the correct driver usage.
  • Save money by having multiple policies – Some insurers will award discounts to customers that buy multiple policies. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. If you currently are using one company, consumers should still check prices from other companies to confirm you are receiving the best rates possible. Drivers may still save even more even if you insure with multiple companies
  • Vocation impacts rates – Occupational choices like lawyers, executives and accountants tend to pay higher average rates because of high stress and lots of time spent away from family. Other jobs such as farmers, engineers and the unemployed pay the least for Patriot coverage.

Cheap car insurance rates with discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be asked for before they will apply.

  • E-sign Discounts – A handful of larger companies will give a small break simply for signing on the internet.
  • Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts as much as 30%.
  • Low Mileage Discounts – Low mileage vehicles could qualify for cheaper premium rates.
  • College Student – Any of your kids who attend college more than 100 miles from home and don’t have a car may qualify for this discount.
  • Auto/Life Discount – Some car insurance companies give a discount if you purchase some life insurance too.
  • Drive Safe and Save – Drivers without accidents could pay up to 40% less for Patriot coverage compared to accident prone drivers.
  • New Car Discount – Putting insurance on a new car may earn a small discount since new vehicles are generally safer.
  • Full Payment Discount – If you pay your bill all at once rather than paying in monthly installments you can avoid the installment charge.

Don’t be surprised that most credits do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A list of companies and a summarized list of policyholder discounts are shown below.

  • Progressive may offer discounts for good student, online quote discount, multi-vehicle, continuous coverage, online signing, and homeowner.
  • SAFECO offers premium reductions for bundle discounts, drive less, teen safe driver, accident prevention training, multi-car, homeowner, and anti-lock brakes.
  • American Family policyholders can earn discounts including Steer into Savings, good student, defensive driver, bundled insurance, good driver, and multi-vehicle.
  • MetLife discounts include defensive driver, good driver, claim-free, multi-policy, accident-free, and good student.
  • GEICO includes discounts for five-year accident-free, seat belt use, multi-vehicle, membership and employees, and military active duty.
  • The Hartford has savings for bundle, vehicle fuel type, driver training, defensive driver, anti-theft, good student, and air bag.

Before buying, ask each company to apply every possible discount. Some discounts may not apply in your area.

Tailor your car insurance coverage to you

When choosing adequate coverage, there really is no single plan that fits everyone. Every situation is different.

Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.

  • Do I need more liability coverage?
  • I don’t drive much so do I pay less?
  • How do I insure my teen driver?
  • Is my state a no-fault state?
  • Does my medical payments coverage pay my health insurance deductible?
  • How much liability insurance is required?
  • Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form.

Auto insurance 101

Understanding the coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Jeep Patriot.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for liability

This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like emergency aid, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with a tree, sideswiping another vehicle, hitting a mailbox, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for pain medications, dental work, prosthetic devices, nursing services and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, fire damage, falling objects, damage from flooding and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Have the Midas touch

People leave their current company for a number of reasons such as lack of trust in their agent, being labeled a high risk driver, unfair underwriting practices or an unsatisfactory settlement offer. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.

Lower-priced insurance is definitely available on the web in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide rate quotes online and many times these small insurance companies provide coverage only through independent insurance agents.

As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. There have been many situations where an insured cut liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at the lowest possible cost, but do not skimp to save money.

More information is located below: