2014 Jeep Patriot Car Insurance Rates

Trying to find cheaper insurance coverage rates for your Jeep Patriot? I can’t think of a single person who likes paying for insurance coverage, especially when their premiums are through the roof.

Having so many insurance providers from which to choose, it is very difficult to find the cheapest insurer.

Consumers should take time to do rate comparisons on a regular basis because insurance rates are constantly changing. If you had the best price for Patriot coverage six months ago there may be better deals available now. Block out anything you think you know about insurance coverage because you’re about to find out the best methods to find the best coverage while lowering your premiums.

Buying car insurance is not rocket science. Just about every driver who buys auto insurance stands a good chance to be able to save money. But car owners must know how big insurance companies compete online because it can help you find the best coverage.

Why your Jeep Patriot might be costing you more

Consumers need to have an understanding of the factors that go into determining your insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that could result in lower insurance prices.

  • Increase deductibles and save – The deductibles represent how much money you are required to spend in the event of a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. The more money you have to pay, the less your company will charge you for insurance for Patriot coverage.
  • Younger drivers pay higher rates – More mature drivers tend to be more responsible, file fewer claims and are safer drivers. Youthful drivers tend to be less responsible when driving and because of this, their insurance rates are much higher.
  • Liability coverage protects you – Liability insurance is the coverage that protects you in the event that a jury decides you are liable for damages caused by your negligence. Liability provides you with a defense in court which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Do you work long hours in a high stress job? – Did you know your insurance rates can be affected by your occupation? Careers like doctors, business owners and financial analysts tend to pay higher average rates due to stressful work requirements and lengthy work days. Conversely, professions such as farmers, engineers and homemakers have the lowest average rates for Patriot coverage.
  • An active claims history can cost you – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Companies generally give discounts to people who file claims infrequently. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Women pay lower rates – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes tend to get into accidents in similar numbers, but the men cause more damage. Men also statistically get cited for more serious violations such as reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.
  • Do you need the policy add-ons? – There are many extra coverages that can waste your money on your Patriot policy. Insurance for personal injury protection, accident forgiveness and term life insurance may be wasting your money. These coverages may sound good initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Never allow your policy to lapse – Not having insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance can result in a steep fine or even jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.

Insurance Quote Comparison

Comparing insurance rates can be a lot of work if you don’t know the fastest way to get free quotes. You can spend countless hours driving to local insurance agents in your area, or you can stay home and use the web to accomplish the same thing much quicker.

Many companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and each participating company provides a quote based on that information. This prevents consumers from doing quotation requests to every company.

To enter your information into the quoting system, click to open in new window.

The one downside to doing it this way is that consumers can’t choose the companies to get quotes from. So if you want to choose specific providers to receive pricing from, we have assembled a list of companies who write insurance in your area. Click to view list.

It doesn’t matter which method you choose, just ensure you are comparing apples-to-apples information for each price quote. If your comparisons have unequal deductibles or liability limits you will not be able to determine which rate is truly the best. Slightly different coverage limits could mean much higher rates. Just keep in mind that obtaining a wide range of quotes will improve the odds of getting lower pricing.

Discounts to lower Jeep Patriot insurance rates

Companies that sell car insurance don’t always publicize every available discount very well, so we took the time to find some of the best known as well as the least known auto insurance savings.

  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Patriot coverage than their less cautious counterparts.
  • Paperless Signup – Some insurance companies give back up to $50 simply for signing over the internet.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you could get a discount of up to 20% off your total premium.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way.

To see a list of companies with the best auto insurance discounts, click here to view.

Tailor your coverage to you

When choosing coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that can aid in determining if you would benefit from professional advice.

  • What is UM/UIM insurance?
  • Do I need PIP coverage since I have good health insurance?
  • Where can I find high-risk insurance?
  • Does coverage extend to my business vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • Does my policy pay for OEM or aftermarket parts?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

What auto insurance coverages do you need?

Knowing the specifics of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages available from auto insurance companies.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Jeep Patriot.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, a broken windshield and hail damage. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision – Collision coverage will pay to fix damage to your Patriot resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a mailbox, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for expenses for things like surgery, EMT expenses, prosthetic devices and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Liability coverages – This coverage provides protection from damage that occurs to people or other property by causing an accident. It protects you against claims from other people. Liability 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. You commonly see values 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 $25,000 of coverage for damaged propery.

Liability coverage pays for things like repair bills for other people’s vehicles, court costs, medical services and funeral expenses. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Knowledge is power

When shopping online for car insurance, you should never skimp on coverage in order to save money. In many instances, an accident victim reduced physical damage coverage only to regret at claim time that it was a big error on their part. The proper strategy is to purchase a proper amount of coverage at an affordable rate.

Low-cost 2014 Jeep Patriot insurance is available both online as well as from independent agents, and you should be comparing both to have the best rate selection. Some car insurance companies don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

In this article, we presented many ways to save on insurance. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers may even find the best prices are with a smaller regional carrier. Regional companies can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.

Much more information about car insurance is located at the links below