2010 Jeep Patriot Insurance Rates – 8 Tips to Save

Tired of being strong-armed to insure your Jeep every month? Your situation is no different than millions of other consumers.

Lots of insurance companies contend for your business, so it’s not easy to compare every company to discover the definitive cheapest price

Insurance Prices Online

When shopping for insurance there are multiple ways to get quotes from insurance companies in your area. The easiest way by far to find the lowest 2010 Jeep Patriot rates is to use the internet to compare rates. This can be done using a couple different methods.

  1. The first (and easiest) way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This form keeps you from doing a different quote for each company. A single, simple form will return quotes from all major companies.
  2. A harder way to compare prices is spending the time to visit the website of each company and complete a new quote form. For examples sake, we’ll pretend you want rates from Allstate, Liberty Mutual and GMAC. To get rate quotes you would need to go to every website to input your insurance information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

  3. The least efficient way to compare rates is to waste gas driving to and from local insurance agencies. The internet has reduced the need for local agents unless you require the trained guidance only provided by licensed agents. However, consumers can compare online quotes but buy from a local insurance agent and we’ll cover that in a bit.

Which method you use is up to you, but be sure to compare the exact same quote information on every quote you get. If you are comparing different liability limits you will not be able to truly determine the lowest rate. Just a small difference in limits can make a big difference in price. And when comparison shopping, comparing a large number of companies helps you find the best rates.

Be sure to get all your discounts

Car insurance companies don’t list all available discounts very well, so the following is a list of some of the more common and the harder-to-find insurance savings.

  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Homeowners Savings – Owning a home may trigger a insurance policy discount because maintaining a house shows financial diligence.
  • Government Employees – Active or retired federal employment may qualify you for a discount for Patriot insurance with certain companies.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
  • One Accident Forgiven – Some insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Safety Course Discount – Completing a driver safety course could save 5% or more depending on where you live.
  • Safe Drivers – Insureds without accidents may save up to 50% more for Patriot insurance than drivers with accident claims.

It’s important to note that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, companies don’t profit that way.

For a list of insurers with the best insurance discounts, follow this link.

How do I know if I need professional advice?

When buying coverage, there is no “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.

  • Do I need to file an SR-22 for a DUI in my state?
  • When would I need additional glass coverage?
  • Is my nanny covered when driving my vehicle?
  • Will my rates increase for filing one claim?
  • Am I covered when using my vehicle for business?
  • Does my 2010 Jeep Patriot need full coverage?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Coverages available on your insurance policy

Knowing the specifics of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a bird, falling objects, damage from getting keyed, hitting a deer and damage from flooding. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Jeep Patriot.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses for surgery, ambulance fees, prosthetic devices, pain medications and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

Liability coverage protects you from damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like medical services, medical expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

Collision coverage will pay to fix damage to your Patriot caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with another moving vehicle, backing into a parked car and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Be a penny pincher

We covered a lot of information how to lower your 2010 Jeep Patriot insurance rates. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. You may even find the lowest premiums are with some of the lesser-known companies. They may only write in your state and offer lower rates than their larger competitors like Geico and State Farm.

Cost effective insurance can be sourced from both online companies in addition to many insurance agents, and you need to price shop both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed physical damage coverage to discover at claim time they didn’t purchase enough coverage. The aim is to find the BEST coverage at an affordable rate while still protecting your assets.

For more information, link through to the resources below: