Save on 2015 Jeep Patriot Insurance Rates

Buyers have many options when searching for the lowest priced Jeep Patriot insurance. You can either spend your time contacting agents getting price quotes or utilize the internet to make rate comparisons.

There are both good and bad ways to shop for insurance coverage so we’re going to tell you the quickest way to quote coverages for a new or used Jeep and obtain the lowest possible price either online or from local insurance agents.

You should take the time to get comparison quotes at least once a year since rates are usually higher with each renewal. If you had the best rates on Patriot coverage last year you will most likely find a better rate today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to one of the best ways to get good coverage at a lower rate.

The purpose of this post is to help educate you on the most effective way to quote insurance and some money-saving tips. If you have car insurance now, you will be able to reduce your rates substantially using this information. Vehicle owners only need to know how to compare company rates online.

Lesser-known factors impacting Jeep Patriot insurance rates

Consumers need to have an understanding of the rating factors that come into play when calculating insurance rates. Understanding what impacts premium levels helps enable you to make changes that can help you get big savings.

The list below includes a few of the “ingredients” that factor into your rates.

  • Having a spouse can save you money – Getting married can get you a discount on your insurance policy. Having a significant other usually means you are more mature and it’s proven that drivers who are married are more cautious.
  • Rate your vehicle for proper use – Driving more miles in a year the more you will pay for insurance. Most insurance companies rate vehicles determined by how the vehicle is used. Vehicles left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Patriot can result in significantly higher rates. Make sure your insurance coverage is rated on the proper vehicle usage.
  • Multi-policy discounts can save money – Many insurance companies will award you with lower prices to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to compare other company rates to confirm you are receiving the best rates possible. You may still find better rates by insuring with multiple companies.
  • Safer cars are cheaper to insure – Cars with high safety ratings tend to have better insurance rates. These vehicles protect occupants better and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If your Jeep Patriot is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Poor driving leads to higher costs – Only having one citation can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than their less careful counterparts. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • Liability coverage is cheap – The liability section of your policy will protect you if a jury decides you are liable for personal injury or accident damage. Liability insurance provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.

How to Compare Auto Insurance

All the larger auto insurance companies such as State Farm, Geico and Progressive quote coverage prices online. Getting quotes doesn’t take a lot of time as you just enter the coverage amounts you desire into a form. After you submit the form the system sends out for credit information and your driving record and returns pricing information based on these factors.

This streamlines rate comparisons, but the time required to go to many different websites and complete many quote forms is not the best way to spend an afternoon. But it’s absolutely necessary to get many rate quotes if you want to find a lower rate.

The quickest way to lower your auto insurance bill uses one form that gets price quotes from more than one company. The form is fast, eliminates form submissions, and makes online quotes much more enjoyable and efficient. Once the form is submitted, it is quoted with multiple companies and you can pick your choice of the returned quotes.

If the quotes result in lower rates, you can simply submit the application and buy the policy. The whole process can be completed in a matter of minutes and can result in significant savings.

In order to compare rates now, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you copy the insurance coverages as shown on your current policy. This helps ensure you will have a fair comparison for the exact same coverage.

Slick advertising tricks that work

Consumers can’t get away from ads for the lowest price auto insurance from the likes of State Farm, Geico and Progressive. They all make the same claim that you can save if you change your coverage to them.

How does each company claim to save you money?

All the different companies have a certain “appetite” for the driver that is profitable for them. For example, a driver they prefer might be between 30 and 50, insures multiple vehicles, and chooses high deductibles. A propective insured who meets those qualifications will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Consumers who are not a match for the “perfect” profile will be charged a more expensive rate which leads to business not being written. The ad wording is “people who switch” but not “drivers who get quotes” save that kind of money. That is how companies can truthfully advertise the savings.

That is why drivers should compare many company’s rates. It is impossible to predict the company that will fit your personal profile best.

Discounts mean cheaper Jeep Patriot insurance rates

Insuring your fleet can be pricey, but there are discounts available that you may not know about. Certain discounts will be triggered automatically when you purchase, but a few must be inquired about before you get the savings. If you don’t get every credit available, you’re paying more than you need to.

  • Club Memberships – Participating in certain professional organizations could qualify you for a break on your policy on Patriot coverage.
  • Homeowners Savings – Owning a house can help you save on car insurance because owning a home requires personal responsibility.
  • Air Bag Discount – Factory air bags or automatic seat belts can receive discounts up to 30%.
  • Safety Course Discount – Taking a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Bundle and Save – If you have multiple policies with one company you may save approximately 10% to 15%.

Keep in mind that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, car insurance companies aren’t that generous. Any qualifying discounts will help reduce the cost of coverage.

Companies that may offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask each company what discounts are available to you. Some discounts may not apply in your state.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether you will benefit from professional help.

  • Does my liability insurance cover pulling a trailer or camper?
  • Is my custom paint covered by insurance?
  • Why do I need rental car insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need replacement cost coverage on my 2015 Jeep Patriot?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need special endorsements for business use of my vehicle?
  • Is a blown tire covered by insurance?
  • Is my ex-spouse still covered by my policy?
  • What can I do if my company won’t pay a claim?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

What car insurance coverages do you need?

Having a good grasp of car insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability insurance

Liability coverage protects you from injuries or damage you cause to other people or property. It protects you from claims by other people, and does not provide coverage for 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. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as bail bonds, court costs, medical services, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Collision coverage protection

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 claims like colliding with a tree, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like nursing services, funeral costs and surgery. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, theft and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Be a money saver!

People leave their current company for a variety of reasons including high rates after DUI convictions, policy non-renewal, policy cancellation or even not issuing a premium refund. It doesn’t matter what your reason, choosing a new company can be easier than you think.

As you shop your coverage around, you should never reduce needed coverages to save money. Too many times, an insured dropped uninsured motorist or liability limits and learned later that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at the best price.

In this article, we covered many tips how you can reduce 2015 Jeep Patriot insurance prices online. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Consumers may even find the best price on car insurance is with a smaller regional carrier.

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