2016 Jeep Patriot Insurance Rates – 5 Ideas for Best Quotes

Looking for better auto insurance rates for your Jeep Patriot? Having to pay for overpriced auto insurance can diminish your funds and possibly require postponing other expenditures. Comparing rates annually is an excellent way to make ends meet.

Consumers have many insurance companies to buy insurance from, and although it’s nice to be able to choose, more choices can make it harder to adequately compare rates.

Choosing the best insurance company for you is not rocket science. If you are paying for car insurance now, you should be able to cut costs considerably using these methods. Nevertheless, drivers must comprehend how the larger insurance companies compete online.

Use discounts on insurance

Insurance is neither fun to buy or cheap, but you might already qualify for some discounts that many consumers don’t even know exist. Certain credits will be shown when you quote, but some must be specially asked for before being credited.

  • Discount for Home Ownership – Owning your own home or condo may trigger a policy discount on insurance because it shows financial diligence.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.
  • No Claims – Drivers who don’t have accidents can earn big discounts in comparison to frequent claim filers.
  • Active Military Service – Being on active deployment in the military could be rewarded with lower rates.
  • Full Payment Discount – If you can afford to pay the entire bill instead of paying each month you could save up to 5%.

Policy discounts save money, but most of the big mark downs will not be given the the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way.

To choose insurance companies with significant discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage, there really is not a “perfect” insurance plan. Every situation is different and your policy should reflect that. For instance, these questions may help highlight whether you will benefit from professional help.

  • Is a new car covered when I drive it off the dealer lot?
  • What can I do if my company won’t pay a claim?
  • Should I buy more coverage than the required minimum liability coverage?
  • What is the rate difference between pleasure use and commuting?
  • Do I need higher collision deductibles?
  • How much liability coverage do I need in my state?
  • What exactly is covered by my policy?
  • Does liability extend to a camper or trailer?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Specific coverage details

Knowing the specifics of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average car insurance policy.

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, theft, damage from a tornado or hurricane and vandalism. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses like X-ray expenses, funeral costs, doctor visits, ambulance fees and hospital visits. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto liability

This can cover damage that occurs to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as repair costs for stationary objects, structural damage, medical expenses, court costs and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

This coverage covers damage to your Patriot resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a parking meter, crashing into a ditch, colliding with another moving vehicle, 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. Drivers also have the option to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your 2016 Jeep Patriot.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Saving money makes a lot of cents

We’ve covered some good ideas how you can compare 2016 Jeep Patriot insurance car insurance rates online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding the cheapest auto insurance. Consumers could even find that the best price on insurance is with the smaller companies. These companies can often provide lower premium rates in certain areas compared to the large companies like State Farm and Allstate.

When shopping online for insurance, you should never reduce coverage to reduce premium. There have been many situations where drivers have reduced collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your goal is to buy enough coverage at the best possible price.

Additional information is available at these links: