2013 Jeep Patriot Car Insurance Cost

Finding lower premiums on car insurance is hard for consumers not familiar with buying insurance online. Consumers have so many companies to choose from that it can be a lot of work to compare prices.

If you currently have car insurance, you will be able to save some money using this information. Pricing the cheapest coverage is simple if you know the tricks. Although car owners do need to learn how the larger insurance companies compete online and apply this information to your search.

Finding Car Insurance Deals

Most companies like 21st Century, Allstate and State Farm provide pricing on their websites. Obtaining pricing is fairly straightforward as you just type in the coverages you want into the quote form. After you submit the form the system will order your driving and credit reports and returns a price quote.

This makes it a lot easier to compare rates but the process of having to visit different websites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to do this in order to get the lowest possible prices on car insurance.

There is a better way to compare rates

The smarter way to find lower prices makes use of a single form to obtain quotes from more than one company. It’s a real time-saver, eliminates form submissions, and makes price shopping online much easier. Immediately after submitting the form, it is quoted and you can select any or none of the returned quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. This process just takes a couple of minutes and may save quite a bit of money.

To get comparison pricing now, simply click here to open in new window and submit the form. If you have a policy now, it’s recommended you type in the coverages exactly as they are listed on your policy. This ensures you will be getting a price comparison based on identical coverages.

Do I need special coverages?

When buying proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is unique.

For example, these questions might point out if your insurance needs may require specific advice.

• Am I covered when delivering products for my home-based business?
• Can my babysitter drive my car?
• Am I covered by my spouse’s policy after a separation?
• Do I need PIP coverage since I have good health insurance?
• Is business equipment covered while in my vehicle?
• Is business property covered if stolen from my car?
• What is medical payments coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Coverages available on your policy

Understanding the coverages of car insurance aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive protection – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, hitting a deer, theft and rock chips in glass. The highest amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision – This covers damage to your Patriot resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, hitting a parking meter, driving through your garage door, scraping a guard rail and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Jeep Patriot.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense coverage – Med pay and PIP coverage pay for expenses such as pain medications, funeral costs, nursing services, rehabilitation expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverages – This coverage protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as pain and suffering, loss of income, structural damage and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.