Cheaper 2013 Jeep Patriot Car Insurance Quotes

Paying for high-priced Jeep Patriot insurance can stress out your personal savings and force you to make tough financial choices. Price shopping at each renewal can lower your rates and help to ensure you are getting the best deal.

Because there are so many choices of insurance companies, it can be impossible to locate the most affordable insurance company.

Smart consumers take time to do price comparisons quite often because insurance coverage prices are variable and change quite frequently. Just because you found the best deal on Patriot insurance two years ago you may be paying too much now. You can search a lot of insurance coverage on the web, but you can learn the easiest ways to find affordable insurance coverage.

Affordable insurance insurance coverage rates with discounts

Companies that sell car insurance don’t always list every policy discount very clearly, so the following list contains both the well known and the harder-to-find credits available to you.

  • Driver Education Discount – Teen drivers should complete a driver education course in school.
  • Multiple Policy Discount – If you combine your auto and homeowners policies and insure them with the same company you could get a discount of 10% to 20% off each policy.
  • Defensive Driver Discount – Taking part in a safe driver course is a good idea and can lower rates depending on where you live.
  • Drive Safe and Save – Insureds who avoid accidents may receive a discount up to 45% on Patriot insurance than drivers with accidents.
  • Onboard Data Collection – Drivers that enable their insurance coverage company to spy on when and where they use their vehicle by using a telematic data system such as State Farm’s In-Drive may get a rate reduction if they show good driving skills.
  • Passive Restraints and Air Bags – Options like air bags or automatic seat belts can qualify for discounts as much as 30%.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only cut individual premiums such as comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, you aren’t that lucky. But any discount will definitely lower your insurance coverage premiums.

If you would like to choose from a list of providers who offer free insurance coverage quotes, click this link.

Eight factors that affect insurance rates

Multiple criteria are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, although others are less obvious like your continuous coverage or your financial responsibility.

  • Drive less and save – The higher the mileage driven every year the more you’ll pay to insure your vehicle. Almost all companies apply a rate based upon how you use the vehicle. Cars that sit idle most of the time qualify for better rates than those used for commuting. Verify your auto insurance policy reflects annual mileage. Having an incorrect usage rating on your Patriot can cost quite a bit.
  • Liability coverage is critical – Your policy’s liability coverage will afford coverage if ever you are found to be at fault for causing personal injury or damage in an accident. Liability provides legal defense which can be incredibly expensive. It is affordable coverage compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Gals tend to take less risk – Statistics demonstrate that females take fewer risks when driving. However, this does not mean women are better drivers. Both sexes get in at-fault accidents at about the same rate, but males tend to have more serious accidents. Not only are claims higher, but men get cited for more serious violations such as DWI and reckless driving.
  • Buy a safe car and pay less – Vehicles with high crash test scores tend to have better insurance rates. Safer cars reduce occupant injuries and better occupant protection means your insurance company pays less and more competitive rates for policyholders. If your Jeep Patriot scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Your employer can affect rates – Did you know your auto insurance rates can be affected by your occupation? Careers like military personnel, business owners and stock brokers have higher rates than average in part from intense work situations and lots of time spent away from family. Other professions such as farmers, athletes and performers generally pay rates lower than average on Patriot insurance.
  • Single drivers take more risk – Having a spouse may save some money when shopping for auto insurance. Marriage demonstrates that you tend to be more mature and responsible and statistics show drivers who are married file infrequent claims.
  • Physical damage deductibles – Physical damage insurance, also known as collision and other-than-collision, insures against damage to your Jeep. Some instances where coverage would apply could be colliding with a building, flood damage, and damage caused by flying debris. The deductibles tell how much you are willing to pay if the claim is covered. The more you have to pay, the less money you will pay for auto insurance on Patriot insurance.
  • Pay more if you have a long commute – Having an address in small towns and rural areas can save you money when shopping for auto insurance. Less people translates into fewer accident claims in addition to fewer liability claims. Urban drivers regularly have traffic congestion and longer commute times. Higher commute times means more chance of being in an accident.

Tailor your car insurance coverage to you

When buying coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For example, these questions may help you determine if you would benefit from professional advice.

  • Does coverage extend to my business vehicle?
  • At what point should I drop full coverage?
  • How can I get my company to pay me more for my totalled car?
  • Should I buy additional glass protection?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my 2013 Jeep Patriot covered for flood damage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What discounts do I qualify for?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is business property covered if stolen from my car?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Car insurance specifics

Understanding the coverages of a car insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages offered by car insurance companies.

Liability

This coverage protects you from damage that occurs to other people or property. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers things such as funeral expenses, bail bonds, medical services and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Jeep Patriot.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for collisions

This coverage pays for damage to your Patriot resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a building, colliding with another moving vehicle, backing into a parked car, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as ambulance fees, dental work, pain medications, funeral costs and surgery. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, damage from flooding and hitting a deer. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

More comparisons equals lower rates

More affordable car insurance can be bought from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not provide the ability to get quotes online and many times these smaller providers only sell through independent agencies.

When you buy car insurance online, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at the best possible price.

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