2017 Jeep Patriot Insurance Rates – 8 Tips for Cheapest Quotes

Drivers have a choice when trying to find low-cost Jeep Patriot insurance. You can either spend your time driving around to compare prices or use the internet to compare rates.

There is a right way and a wrong way to shop for insurance coverage and you need to know the absolute fastest way to price shop coverage on a Jeep and find the lowest possible price.

If you have a current insurance coverage policy or need a new policy, you can learn to shop for the lowest rates while maintaining coverages. This information will instruct you on the most effective way to quote insurance and some money-saving tips. Vehicle owners just need to know the tricks to compare price quotes online.

Compare auto insurance price quotes

There are several ways to compare auto insurance prices but there is one way that is less labor-intensive and much quicker. You could spend your day talking about coverages with insurance agencies in your area, or you could use online quotes to get pricing more quickly.

Many of the larger companies participate in a marketplace where insurance shoppers submit one quote, and each company provides a quote. This eliminates the need for quote forms for every auto insurance company.

To compare rates using this form now click here to start a free quote.

The only downside to comparing rates this way is that you can’t choose the providers you want pricing from. So if you prefer to choose specific insurance companies to receive pricing from, we put together a list of low cost auto insurance companies in your area. Click to view list.

The approach you take is up to you, just double check that you are using nearly identical coverage information on every price quote you get. If the quotes have higher or lower deductibles you will not be able to determine which company has the best rates.

Lower rates by qualifying for these eight discounts

Auto insurance companies don’t always list all available discounts very clearly, so the below list has some of the more common and the more hidden credits that you can use to lower your rates.

  • Multi-Vehicle Discounts – Buying insurance for all your vehicles on a single policy can get a discount on all vehicles.
  • Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class if it’s offered in school.
  • ABS Braking Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Anti-theft Discount – Vehicles that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10% off your insurance quote.
  • Passive Restraint Discount – Vehicles equipped with air bags can receive discounts of 20 to 30 percent.
  • Full Payment Discount – By making one initial payment rather than paying in monthly installments you could save up to 5%.
  • Early Signing – Some companies give discounts for renewing your policy before your current coverage expires. You could save around 10% when you buy insurance online.
  • Good Student – Performing well in school can get you a discount of up to 25%. This discount can apply up until you turn 25.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. Even though it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But any discount will bring down your overall premium however.

A few companies that may have these money-saving discounts include:

When getting free insurance quotes, it’s a good idea to each company or agent which discounts you qualify for. Some of the discounts discussed earlier may not apply in your state. To see companies who offer car insurance discounts, click here to view.

Auto insurance is unique, just like you

When buying proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.

  • Does my policy pay for OEM or aftermarket parts?
  • How many claims can I have before being cancelled?
  • Do I need higher collision deductibles?
  • Why am I required to buy liability insurance?
  • Why do I only qualify for high-risk insurance?
  • How do I file an SR-22 for a DUI in my state?
  • I don’t drive much so do I pay less?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Slick advertising tricks that work

Drivers can’t ignore all the ads for insurance coverage savings by Allstate and Progressive. They all seem to make the point that you’ll save big just by moving your insurance coverage coverage to their company.

How does each company offer you a better deal? This is the trick they use.

Companies look for specific characteristics for the type of driver that makes them money. For example, a profitable insured could be between the ages of 30 and 45, carries high limits, and drives a lower-performance vehicle. A customer getting a price quote who meets those qualifications will probably get cheap premium rates and most likely will save money with a new company.

Consumers who do not meet these stringent criteria will have to pay higher rates and this results in business not being written. If you listen to the ad wording, they say “people that switch” not “everyone who quotes” can get the lowest rates when switching. This is how insurance companies can confidently state the savings.

That is why you really need to quote coverage with many companies. It is impossible to guess which company will have better prices than you’re paying now.

Specific coverage details

Learning about specific coverages of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverage

Collision insurance pays for damage to your Patriot resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, crashing into a building and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, hail damage, falling objects, vandalism and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability

This can cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

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 values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers claims such as emergency aid, medical expenses, court costs and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for immediate expenses for nursing services, prosthetic devices, dental work, hospital visits and EMT expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Jeep Patriot.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

In any little way, save everyday

Low-cost 2017 Jeep Patriot insurance can be purchased from both online companies as well as from insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers don’t offer the ability to get quotes online and many times these smaller companies sell through local independent agencies.

People leave their current company for a variety of reasons including high prices, policy cancellation, extreme rates for teen drivers or even high rates after DUI convictions. It doesn’t matter what your reason, finding a new company is pretty simple and you could end up saving a buck or two.

We just covered many ways to compare 2017 Jeep Patriot insurance prices online. The most important thing to understand is the more you quote insurance, the better your chances of lowering your rates. Consumers may even find the lowest prices are with some of the smallest insurance companies.

Additional detailed information can be found by following these links: