Lower Your 2017 Jeep Patriot Car Insurance Quotes

Locating lower-cost car insurance online may be intimidating for people new to quoting and buying insurance online. With so many agents and insurers to choose from, how can you have a chance to compare every company to locate the best available price?

It’s smart to take a look at other company’s rates on a regular basis because insurance prices change regularly. Just because you found the best quotes on Patriot insurance last year other companies may now be cheaper. Forget all the misinformation about car insurance because you’re about to find out the best methods to find better coverage at a better price.

Cheap insurance coverage

When shopping for insurance coverage there are multiple ways to get quotes from many different insurance companies. The best way to lower the rate you pay for 2017 Jeep Patriot insurance consists of shopping online. This is very easy and can be done in a couple of different ways.

  1. The single most time-saving way to find low rates is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do repetitive form submissions for each company you want a rate for. Taking the time to complete one form gets coverage cost estimates from all major companies. It’s the fastest way to compare.
  2. A slightly less efficient method to find more affordable insurance consists of visiting each company’s website to complete their respective quote request forms. For sake of this example, we’ll pretend you want to compare rates from USAA, Farmers and American Family. To find out each rate you need to go to each individual site and repeatedly enter your information, which can be really labor intensive.

    For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just ensure you’re using identical coverage information on every price quote you get. If the quotes have unequal deductibles or liability limits you will not be able to determine the best price for your Jeep Patriot. Just slight variations in insurance coverages could throw off the whole comparison. And when comparing insurance coverage rates, know that comparing all the rates in your area helps improve the odds of finding more affordable insurance.

How you can control Jeep Patriot insurance premiums

An important part of buying insurance is that you know some of the factors that are used to determine your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that can help you get cheaper rates.

  • Are females or males drivers cheaper? – Over time, data shows that females take fewer risks when driving. However, don’t assume that women are BETTER drivers than men. Men and women cause fender benders at a similar rate, but the men tend to have higher claims. In addition to higher claims, males also receive more major tickets like driving under the influence (DUI). Teenage male drivers cause the most accidents so they pay the highest premiums.
  • Good credit means lower rates – Having a good credit rating factor in determining your rates. Drivers with high credit ratings tend to file fewer claims than drivers who have poor credit scores. If your credit score leaves room for improvement, you could pay less to insure your 2017 Jeep Patriot if you clean up your credit.
  • Job stress can make you pay more – Did you know your career choice can influence rates? Careers like judgespolice officers and dentists are shown to have higher premiums than the average policyholder due to stressful work requirements and lengthy work days. On the flip side, jobs such as actors, students and retirees pay the least on Patriot insurance.
  • Cheaper premiums using GPS tracking and theft deterrents – Buying a car with an alarm system can save you some money. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop car theft.

Verify you’re applying every discount

Companies that sell car insurance don’t always publicize every possible discount very well, so the following list contains some of the more common as well as the least known credits available to bring down your rates.

  • Driver Safety – Successfully completing a defensive driving course could earn you a small percentage discount depending on where you live.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower insurance rates.
  • Student Driver Training – Have your child sucessfully take a drivers education course in school or through a local driver safety program.
  • ABS Brakes – Cars and trucks that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Low Mileage – Fewer annual miles on your Jeep could qualify for cheaper rates.
  • Clubs and Organizations – Being a member of certain professional organizations could qualify you for a break on your bill.
  • Auto/Home Discount – When you have multiple policies and insure them with the same company you could get a discount of up to 20% off your total premium.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

To see insurance companies with the best insurance discounts, follow this link.

When should I discuss my situation with an agent?

When buying coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether you would benefit from professional advice.

  • What is the minimum liability in my state?
  • How high should my medical payments coverage be?
  • Am I covered when driving someone else’s vehicle?
  • Should I buy additional glass protection?
  • What if I owe more than I can insure my car for?
  • Does my personal policy cover me when driving out-of-state?
  • Is business equipment covered while in my vehicle?
  • Why does it cost so much to insure a teen driver?
  • Is my business laptop covered if it gets stolen from my vehicle?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form.

Insurance coverages explained

Learning about specific coverages of your insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Medical expense insurance – Med pay and PIP coverage reimburse you for short-term medical expenses for things like surgery, X-ray expenses and pain medications. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverages – This coverage protects you from injuries or damage you cause to a person or their property in an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as structural damage, court costs, funeral expenses, legal defense fees and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

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

Comprehensive coverage pays for things like fire damage, a tree branch falling on your vehicle and damage from getting keyed. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers – This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision – This coverage covers damage to your Patriot resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a parking meter, backing into a parked car, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Knowledge is power

When searching for the cheapest auto insurance quotes, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, an insured dropped collision coverage and learned later they didn’t have enough coverage. Your focus should be to find the BEST coverage at the best possible price, but do not skimp to save money.

Drivers switch companies for many reasons like questionable increases in premium, delays in responding to claim requests, policy non-renewal and policy cancellation. It doesn’t matter why you want to switch finding a new company can be pretty painless.

Cheaper car insurance is definitely available online in addition to many insurance agents, so you should compare both to have the best rate selection. A few companies don’t offer online price quotes and these smaller companies provide coverage only through independent agencies.

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