How Much Does 2009 Jeep Patriot Insurance Cost?

Trying to find cheaper car insurance rates for your Jeep Patriot? No sane person looks forward to buying car insurance, especially when they are aware that they could find better rates elsewhere.

Multiple insurance companies compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies and uncover the absolute best rate

It’s a great practice to do rate comparisons before your next renewal because rates are variable and change quite frequently. Despite the fact that you may have had the best deal on Patriot insurance two years ago a different company probably has better prices today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to how to use the internet to eliminate unnecessary coverages and save money.

Cut insurance costs with these tips

Consumers need to have an understanding of the factors that are used to determine the level of your policy premiums. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that could result in lower rates. Lots of things are taken into consideration when you get a price on insurance. Some are pretty understandable like an MVR report, but others are more obscure like where you live or your vehicle rating.

  • Get cheaper prices after the wedding – Having a wife or husband helps lower the price on insurance coverage. Having a spouse may mean you are more responsible and insurance companies like that married drivers get in fewer accidents.
  • Insurance coverage rates and your job – Jobs such as military personnel, executives and miners tend to pay higher rates than the rest of us in part from intense work-related stress and incredibly demanding work hours. Conversely, occupations like scientists, historians and the unemployed have the lowest average rates on Patriot insurance.
  • Claim-free discounts can add up – Insurance companies generally give better rates to insureds who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can look forward to either a policy non-renewal or much higher rates. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Do you really need roadside assistance? – Insurance companies have many optional add-on coverages that can waste your money if you aren’t diligent. Coverages like coverage for rental cars, high-cost glass coverage, and term life insurance are some examples. They may sound like good ideas when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Deter theft and save – Purchasing a vehicle with an alarm system can save you some money. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent auto theft and help lower rates.
  • Lower miles driven equals lower premium – Driving a lot of miles annually the more it will cost to insure it. A lot of insurance companies calculate rates determined by how the vehicle is used. Vehicles that do not get driven very much cost less to insure than vehicles that are driven to work every day. It’s a good idea to make sure your insurance coverage coverage is showing the correct usage, because improper ratings can cost you money. Incorrect rating for your Patriot is just wasting money.
  • Premiums can change based on your address – Being located in less populated areas is a good thing when it comes to insurance coverage. People who live in big cities regularly have much more traffic and higher rates of accident claims. Less people translates into fewer accident claims in addition to lower liability claims
  • Better insurance coverage rates on safer vehicles – Safer cars can get you lower premiums. The safest vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries means less money paid by your insurance company passed on to you as lower rates. If your Jeep Patriot earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.

How to find low cost insurance coverage

Performing a rate comparison can be a daunting task if you aren’t aware of the easiest way. You can waste a lot of time driving to insurance companies in your area, or you can utilize the web to achieve your goal.

Most car insurance companies participate in a marketplace that allows shoppers to only type in their quote data once, and at least one company can provide price quotes. This eliminates the need for form submissions to every company. To compare pricing click to open in new window.

The only downside to using this type of form is that you can’t choose the companies to get pricing from. So if you prefer to pick from a list of companies to compare prices, we put together a list of companies who write insurance coverage in your area. Click here to view list.

It’s up to you how you get prices quotes, just try to keep apples-to-apples coverage limits and deductibles on every quote you get. If you are comparing different values for each quote it will be next to impossible to make a fair comparison for your Jeep Patriot. Having just a slight variation in insurance coverages can mean a large discrepancy in price. It’s important to know that quoting more helps you find the best offered rates. Not every company provides quotes online, so it’s necessary to compare quotes from them as well.

Take advantage of every car insurance discount

Insurance can cost an arm and a leg, but there’s a good chance there are discounts that you may not even know about. Certain reductions will be credited at the time you complete a quote, but some may not be applied and must be asked about before you will receive the discount.

  • E-sign Discounts – Some companies provide a small discount for buying a policy and signing up online.
  • Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems help deter theft so companies will give you a small discount.
  • Discount for Passive Restraints – Factory options such as air bags could see savings of more than 20%.
  • Professional Organizations – Being in qualifying employment or professional organizations could earn you a nice discount on your next renewal.
  • Early Switch Discount – A few companies offer discounts for switching companies before your current coverage expires. Ten percent is about the average savings.
  • Senior Citizen Rates – Drivers over the age of 55 may receive reduced rates on Patriot insurance.
  • Homeowners Discount – Owning your own home or condo can save you money because maintaining a house requires personal responsibility.
  • Defensive Driver – Passing a class that teaches defensive driver techniques can save you 5% or more and make you a better driver.

As a footnote on discounts, many deductions do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, you won’t be that lucky. But any discount will reduce the amount you have to pay.

To locate car insurance companies who offer cheap car insurance quotes, click here.

How to know if you need help

When it comes to choosing adequate coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions may help highlight if you would benefit from professional advice.

  • Do I need rental car coverage?
  • Am I covered if I break a side mirror?
  • Why does it cost so much to insure a teen driver?
  • How much liability do I need to cover my assets?
  • If I drive on a suspended license am I covered?
  • Why am I required to buy high-risk coverage?
  • Will my rates increase for filing one claim?
  • Can I afford to pay high deductible claims out of pocket?
  • Where can I get insurance after a DUI in my state?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Coverages available on your policy

Learning about specific coverages of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages offered by car insurance companies.

Liability insurance – Liability insurance can cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

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 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like medical services, funeral expenses, repair costs for stationary objects, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for chiropractic care, EMT expenses, dental work, nursing services and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, rock chips in glass, hitting a deer, falling objects and vandalism. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision – Collision insurance pays for damage to your Patriot from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, driving through your garage door, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

In conclusion

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. There are many occasions where an accident victim reduced physical damage coverage and found out when filing a claim that it was a big mistake. Your goal is to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

Cheap 2009 Jeep Patriot insurance can be bought from both online companies in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some car insurance companies may not have the ability to get a quote online and these small insurance companies sell through independent agents.

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