2014 Jeep Patriot Insurance Cost – 6 Ways to Save

Looking for the cheapest insurance rates for your Jeep Patriot? Finding the cheapest insurance for a Jeep Patriot can turn out to be an all-consuming task, but you can learn our insurance buying tips to save time. There are more efficient ways to shop for insurance and we’ll show you the proper way to price shop coverage for your Jeep and obtain the lowest possible price from both online companies and local agents.

You should make it a habit to do price comparisons on a regular basis because prices are adjusted regularly by insurance companies. If you had the best price on Patriot coverage on your last policy the chances are good that you can find a lower rate today. You can find a lot of information about insurance out there, but by reading this article, you’re going to learn the best ways to buy insurance cheaper.

If you are insured now or are just looking to switch companies, you can follow these tips to get lower rates and still get good coverage. Finding the best coverage can be fairly easy. Drivers just need to know the best way to compare price quotes over the internet.

Don’t miss these six discounts

Some insurers do not advertise every discount in an easy-to-find place, so we break down both well-publicized and the more hidden credits available to you.

  • Theft Deterent Discount – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Switch and Save Discount – Some insurance companies provide a discount for switching companies prior to the expiration date on your current policy. It’s a savings of about 10%.
  • New Vehicle Savings – Insuring a vehicle that is new is cheaper due to better safety requirements for newer models.
  • Resident Student – living away from home attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Memberships – Having an affiliation with qualifying employment or professional organizations is a simple method to lower premiums on insurance coverage.

Consumers should know that most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it appears you could get a free insurance coverage policy, you’re out of luck.

A list of insurance coverage companies and their possible discounts include:

  • Esurance may include discounts for renters, good driver, multi-policy, online shopper, and Pac-12 alumni.
  • The Hartford policyholders can earn discounts including vehicle fuel type, driver training, defensive driver, air bag, anti-theft, bundle, and good student.
  • AAA includes discounts for multi-policy, AAA membership discount, anti-theft, good driver, multi-car, pay-in-full, and good student.
  • GEICO has savings for anti-theft, emergency military deployment, multi-policy, air bags, membership and employees, and federal employee.
  • State Farm offers discounts for driver’s education, student away at school, accident-free, multiple policy, Drive Safe & Save, and good driver.

Before you buy a policy, ask every prospective company how you can save money. Some discounts may not apply to policies in your area.

Special considerations

When it comes to choosing coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions can aid in determining if you may require specific advice.

  • What should my uninsured motorist coverage limits be in my state?
  • Do I need motorclub coverage?
  • Am I missing any policy discounts?
  • Does having multiple vehicles earn me a discount?
  • Are my friends covered when driving my car?
  • Is my ex-spouse still covered by my policy?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.

Parts of your insurance policy

Understanding the coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive protection – This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like vandalism, hitting a deer and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses for ambulance fees, pain medications and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – This covers damage to your Patriot resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as hitting a parking meter, sideswiping another vehicle, colliding with a tree and crashing into a building. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for liability – This coverage will cover damage that occurs to other’s property or people that is your fault. Split limit liability has three limits of coverage: 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 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as legal defense fees, repair costs for stationary objects and medical expenses. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

A tidy conclusion

A few companies may not offer price quotes online and most of the time these smaller companies only sell coverage through independent agents. Cheaper car insurance is definitely available both online and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates.

Throughout this article, we presented some good ideas how to get a better price on 2014 Jeep Patriot insurance. The key thing to remember is the more you quote car insurance, the better your chances of lowering your prices. Drivers may discover the biggest savings come from a small mutual company.

As you restructure your insurance plan, you should never reduce needed coverages to save money. In too many instances, an insured cut physical damage coverage only to discover later they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at a price you can afford but still have enough coverage for asset protection.

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