Cheaper 2009 Jeep Patriot Insurance Quotes

Trying to find lower car insurance rates for your Jeep Patriot? Are you a victim of overpriced car insurance? Believe me, there are many people just like you. Having so many options, it can be diffult for consumers to pick the best insurer.

Compare Car Insurance Costs

Performing a rate comparison can be challenging if you don’t utilize the fastest way to get free quotes. You can spend your afternoon driving to insurance companies in your area, or you can utilize online quoting to get prices fast.

Most of the best insurance companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and each participating company returns a competitive quote for coverage. This system prevents you from having to do quotation requests for each company you want a rate for.

To access this free quoting program, click here (opens in new window).

The only downside to comparing rates this way is you don’t know exactly which companies to get pricing from. So if you want to choose individual companies to receive pricing from, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

Whichever method you choose, make darn sure you compare apples-to-apples coverages with every price quote. If you use different limits and deductibles on each one it’s not possible to decipher which rate is best.

Cut your premium with discounts

Companies that sell car insurance don’t always publicize all available discounts in a way that’s easy to find, so we researched some of the best known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums for Patriot coverage.
  • Homeowners Pay Less – Being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Memberships – Affiliation with a civic or occupational organization could qualify you for a break when shopping for car insurance for Patriot coverage.
  • Accident Waiver – Some insurance companies will allow you to have one accident before your rates go up if you are claim-free for a certain period of time.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could save 5% or more if you qualify.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, car insurance companies aren’t that generous.

Insurance companies who might offer these benefits are:

Before buying, ask each company which discounts they offer. Savings may not apply in every state.

Jeep Patriot insurance rates have many determining factors

Smart consumers have a good feel for the factors that come into play when calculating auto insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with lower auto insurance prices.

  • Men fork out a little more – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women have accidents in similar percentages, but the men cause more damage. Men also statistically have more aggressive citations like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.
  • Mature drivers pay less – Young drivers are known to get distracted easily when driving so auto insurance rates are higher. If you’ve ever had to add a young driver to your policy can be very expensive. More mature drivers are more responsible, statistically cause fewer accidents and receive fewer citations.
  • Discounts for multiple policies – Some auto insurance companies will award you with lower prices to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible.
  • Small claims can cost you – If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Insurance companies give discounts to policyholders who are claim-free. Car insurance is intended for the large, substantial claims.

What is the best insurance coverage?

When buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • Is motorclub coverage worth it?
  • How much liability coverage do I need in my state?
  • Are there companies who specialize in insuring high-risk drivers?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when driving a rental car?
  • I have a DUI can I still get coverage?
  • Do I have coverage when making deliveries for my home business?
  • Is my business laptop covered if it gets stolen from my vehicle?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Can switching companies really save?

Drivers can’t ignore all the ads that promise big savings from companies such as Geico, State Farm and Progressive. All the ads have a common claim that you’ll save big if you switch your policy.

How does each company say the same thing? This is how they do it.

Insurance companies have a certain “appetite” for the right customer that earns them a profit. A good example of a preferred risk might be between 30 and 50, has no tickets, and has great credit. A propective insured who fits that profile will get very good rates and is almost guaranteed to save a lot of money.

Potential customers who don’t qualify for this ideal profile will have to pay higher rates and this can result in business not being written. The ad wording is “drivers who switch” not “everybody who quotes” save that much. This is how companies can make those claims. Because of the profiling, you absolutely need to get a wide range of price quotes. It’s not possible to predict which insurance companies will provide you with the cheapest Jeep Patriot insurance rates.

Educate yourself about insurance coverages

Having a good grasp of a insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverage types found on the average insurance policy.

Comprehensive insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism, damage from getting keyed, hitting a deer and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability insurance protects you from damage that occurs to people or other property that is your fault. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things like repair costs for stationary objects, bail bonds, emergency aid, medical services and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for short-term medical expenses for things like ambulance fees, pain medications, nursing services and prosthetic devices. They are often 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 will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Jeep Patriot.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Don’t throw your cash in the trash

We covered a lot of tips how to reduce 2009 Jeep Patriot insurance prices online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the lowest priced car insurance comes from some of the smallest insurance companies. They may cover specific market segments cheaper than their larger competitors like Allstate, Geico and Progressive.

When trying to cut insurance costs, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your focus should be to buy the best coverage you can find at the best price, not the least amount of coverage.

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