Cheap 2012 Jeep Patriot Insurance Rates

Want the cheapest auto insurance rates for your Jeep Patriot? Tired of being strong-armed each month for car insurance? You are in the same boat as millions of other consumers.

Many car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and get the definite lowest rate possible.

Consumers should take time to take a look at other company’s rates periodically due to the fact that insurance rates tend to go up over time. Just because you found the best deal on Patriot coverage a couple years back you can probably find a better price now. Starting now, ignore everything you know about auto insurance because you’re going to learn the proper way to save money, get proper coverage and the best rates.

If you currently have a car insurance policy, you should be able to save some money using these methods. Buying car insurance is not rocket science. Nevertheless, drivers do need to understand the way insurance companies sell online because it can help you find the best coverage.

Comprehensive Car Insurance Comparison

There are multiple methods to compare 2012 Jeep Patriot car insurance prices and some are less time-consuming than others. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you can stay home and use the web to maximize your effort.

Many companies belong to an insurance system that enables customers to enter their coverage request one time, and every company can give them a price based on that information. This prevents consumers from doing quote requests for every car insurance company.

To use this form to compare 2012 Jeep Patriot insurance rates click here to open in new window.

The only downside to pricing coverage this way is you can’t choose the companies you want pricing from. So if you prefer to pick individual companies to compare prices, we put together a list of car insurance companies in your area. Click here to view list.

However you get your quotes, ensure you’re using exactly the same coverages for every quote you compare. If you compare mixed coverages you will not be able to find the best deal for your Jeep Patriot. Slightly different limits could mean much higher rates. And when comparison shopping, quoting more will increase your chances of finding the best price.

Can switching companies really save?

Car insurance companies such as Geico, State Farm and Progressive consistently run television and radio advertisements. They all seem to have a common claim that you’ll save big if you change your policy. How can each company make almost identical claims? This is how they do it.

Different companies have a certain “appetite” for the driver that is profitable for them. A good example of a driver they prefer might be profiled as over the age of 50, has no tickets, and drives less than 7,500 miles a year. Any driver who matches those parameters will qualify for the lowest rates and most likely will save quite a bit of money when switching.

Drivers who do not match this ideal profile will be quoted higher premiums which leads to business going elsewhere. The ads say “customers that switch” but not “drivers who get quotes” save money. That’s the way insurance companies can make the claims of big savings. This emphasizes why drivers should get as many comparisons as possible. It is impossible to predict which company will give you the biggest savings on Jeep Patriot insurance.

Jeep Patriot insurance premiums are calculated by many factors

Consumers need to have an understanding of the rating factors that go into determining your insurance coverage rates. When you know what positively or negatively influences your rates allows you to make educated decisions that will entitle you to better insurance coverage rates.

Listed below are a partial list of the pieces companies use to determine prices.

  • Rates may be higher depending on your occupation – Jobs such as judges, business owners and accountants tend to pay higher rates than average attributed to high stress and long work hours. On the flip side, occupations like pilots, athletes and the unemployed have the lowest average rates on Patriot coverage.
  • Better credit scores mean better rates – Having a bad credit score is a big factor in your rate calculation. If your credit is lower than you’d like, you could save money insuring your 2012 Jeep Patriot by repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with poor credit.
  • Theft deterrents lower rates – Owning a car with an alarm system can get you a discount on your insurance coverage. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • Claim-free discounts can add up – If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Auto insurance companies generally give cheaper rates to people who file claims infrequently. Car insurance is intended for larger claims.
  • Bad driving skills means higher rates – Drivers who don’t get tickets get better rates than bad drivers. Even a single citation can bump up the cost twenty percent or more. Drivers with serious tickets such as DUI or reckless driving are required to submit a SR-22 form with their state motor vehicle department in order to continue driving.

Pay less for Jeep Patriot insurance

Companies that sell car insurance don’t necessarily list all their discounts in an easy-to-find place, so here is a list some of the more common and the more hidden ways to save on insurance.

  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • College Student – Children living away from home attending college and do not have a car may qualify for this discount.
  • No Claims – Drivers who don’t have accidents can earn big discounts as compared to bad drivers.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Save with a New Car – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • No Charge for an Accident – Some insurance companies permit an accident without raising rates if you are claim-free for a certain period of time.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.

Drivers should understand that most discounts do not apply the the whole policy. Most only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way.

Insurance companies that possibly offer these benefits are:

Before buying, ask each company which discounts they offer. All car insurance discounts might not apply in your area.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Should I have combined single limit or split liability limits?
  • When should I not file a claim?
  • Can my babysitter drive my car?
  • Am I covered when delivering products for my home-based business?
  • Is a new car covered when I drive it off the dealer lot?
  • What are the best liability limits?
  • Should I bundle my homeowners policy with my auto?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Specific coverages for a 2012 Jeep Patriot

Having a good grasp of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverage types found on most car insurance policies.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from a tornado or hurricane, theft, a broken windshield and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance – This provides protection from injuries or damage you cause to a person or their property. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as structural damage, medical services, attorney fees, emergency aid and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – This coverage will pay to fix damage to your Patriot from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for doctor visits, rehabilitation expenses, prosthetic devices, surgery and ambulance fees. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

UM/UIM Coverage – This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries 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. This is the reason having UM/UIM coverage is a good idea.

More effort can pay off

While you’re price shopping online, do not skimp on coverage in order to save money. In too many instances, an insured dropped uninsured motorist or liability limits only to discover later that they should have had better coverage. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.

The cheapest 2012 Jeep Patriot insurance is definitely available both online in addition to many insurance agents, so compare prices from both to have the best rate selection. Some companies do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

Helpful information