2016 Jeep Patriot Car Insurance Quotes – 6 Tricks for Best Rates

Searching for the cheapest insurance coverage rates for your Jeep Patriot? Have you had enough of being strong-armed to pay your insurance coverage bill each month? You have the same problem as many other consumers. You have so many insurers to buy insurance from, and even though it’s nice to have a choice, having more insurers makes it harder to compare rates.

The purpose of this article is to teach you how to get online quotes and some tricks to saving. If you currently have a car insurance policy, you will be able to cut costs considerably using these methods. Drivers just need to learn the most efficient way to compare rates on the web.

Six discounts for lower-cost car insurance rates

Car insurance is not inexpensive, but there could be available discounts that may help make it more affordable. Certain reductions will be credited when you purchase, but once in a while a discount must be manually applied prior to getting the savings.

  • Student in College – College-age children who live away from home at college and leave their car at home can be insured at a reduced rate.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Savings for New Vehicles – Adding a new car to your policy can get you a discount because newer vehicles are generally safer.
  • Homeowners Savings – Owning a house can save a few bucks because it demonstrates responsibility.
  • Smart Student Discounts – Excelling in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • First Accident Forgiveness – This isn’t a discount exactly, but certain companies will let one accident slide without getting socked with a rate hike if you have no claims for a set time period.

Policy discounts save money, but most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, you’re out of luck.

If you would like to view companies that provide some of the discounts listed above, follow this link.

You may need specialized auto insurance coverage

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that For example, these questions might point out if you will benefit from professional help.

  • When does my teenage driver need to be added to my policy?
  • How can I force my company to pay a claim?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • At what point should I drop full coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is UM/UIM insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Does my policy cover me when driving someone else’s vehicle?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Educate yourself about insurance coverages

Understanding the coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages available from insurance companies.

Auto collision coverage

Collision insurance pays for damage to your Patriot caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, sideswiping another vehicle, damaging your car on a curb, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, a tree branch falling on your vehicle and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage

Liability insurance protects you from damage that occurs to other people or property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as funeral expenses, medical services, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Medical expense insurance

Med pay and PIP coverage pay for bills such as nursing services, chiropractic care, X-ray expenses, pain medications and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Jeep Patriot.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are set the same as your liablity limits.

Better coverage you can count on

We just presented some good ideas how to lower your 2016 Jeep Patriot insurance rates. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting the cheapest insurance coverage. You may be surprised to find that the lowest rates are with the smaller companies. They may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

When getting insurance coverage quotes online, never skimp on coverage in order to save money. Too many times, drivers have reduced collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

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