8 Ways You Can Find Coverage for a Jeep Patriot For Less

Searching for better insurance prices for a Jeep Patriot can normally be an all-consuming task, but you can use our car insurance buying tips to make it easier.

There is a better way to compare car insurance rates so we’re going to tell you the absolute fastest way to get price quotes for your Jeep and obtain the cheapest rates from local insurance agents and online providers.

It is always a good idea to shop coverage around periodically because insurance rates change frequently. Even if you got the lowest rates for Patriot insurance on your last policy a different company probably has better rates today. You can find a lot of misleading information regarding car insurance on the internet, so by reading this article, you’re going to learn some great ways to quit paying high car insurance rates.

Shopping for the cheapest car insurance coverage can be fairly easy. If you have a policy now or need a new policy, you can use this information to reduce the price you pay while maximizing coverage. Vehicle owners only need to know the proper methods to compare rates online.

Quick Car Insurance Quotes

Most major insurance companies provide pricing on the web. Getting online quotes is quite simple as you simply enter your required coverages into the quote form. When complete, the company’s rating system pulls information on your driving record and credit history and returns a price quote based on these and other factors.

Being able to quote online simplifies rate comparisons, but the time required to go to different websites and fill out multiple forms is monotonous and tiresome. Unfortunately, it is important to get many rate quotes if you are searching for a lower rate.

Compare rates the easy way

A quicker way to lower your rates utilizes a single form that analyzes rates from multiple companies. It saves time, requires less work, and makes comparison shopping much more efficient. As soon as you send your information, it is quoted and you can choose any or none of the quotes returned.

If the quotes result in lower rates, you simply finish the application and purchase coverage. This process can be completed in a matter of minutes and you’ll know if lower rates are available.

To get comparison pricing now, click here to open in a new tab and enter your vehicle and coverage information. If you have your current policy handy, we recommend you complete the form with deductibles and limits identical to your current policy. This makes sure you will have rate comparison quotes based on similar coverages.

Buyer beware of car insurance advertising tricks

Drivers get pounded daily by advertisements for car insurance savings by companies like 21st Century, Allstate and State Farm. All the companies make the same claim about savings if you move to them.

But how can every company say the same thing?

All companies have a preferred profile for the right customer that is profitable for them. For example, a preferred risk could possibly be between 30 and 50, a clean driving record, and drives newer vehicles. A customer getting a price quote who meets those qualifications gets the lowest rates and as a result will probably save quite a bit of money when switching.

Potential customers who don’t qualify for these standards will have to pay higher premiums which leads to the customer not buying. The ads say “customers that switch” not “people who quote” save that much money. This is how insurance companies can state the savings.

Because of the profiling, drivers should get quotes from several different companies. It’s just too difficult to predict which car insurance company will give you the biggest savings.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but you may find discounts to reduce the price significantly. Certain discounts will be triggered automatically when you complete an application, but a few need to be asked about before they will apply. If you don’t get every credit you qualify for, you’re just leaving money on the table.free  insurance quote

  • Auto/Life Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Low Mileage Discounts – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Sign Online – Certain companies will discount your bill up to fifty bucks simply for signing on their website.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Multi-car Discount – Insuring more than one vehicle with the same company can get a discount on all vehicles.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Sign Early and Save – Select companies give a discount for switching policies before your current policy expires. It can save you around 10%.
  • Own a Home – Owning a home may trigger a car insurance policy discount because maintaining a house shows financial diligence.

Consumers should know that most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky. But any discount will cut your overall premium however.

To choose companies offering car insurance discounts, follow this link.

What about using a local agent?

Certain consumers would prefer to sit down with an agent and that is a personal choice. Agents can point out coverage gaps and help file insurance claims. One of the best bonuses of comparing rates online is the fact that you can find the best rates but still work with a licensed agent. Buying from local insurance agencies is definitely important in small towns and cities.

Once you complete this simple form, your coverage information is sent to participating agents who will return price quotes for your insurance coverage. You won’t need to drive around because quoted prices will be sent straight to your inbox.

Captive and independent auto insurance agents

When searching for local agents, you need to know there are two types of insurance agents that you can select. Insurance agencies are either captive or independent (non-captive). Both insure your vehicles, but it’s good to learn how they are different since it may influence your agent selection.

Independent Agents

These agents are not required to write business for one company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency. When searching for an agent, we recommend you include at a minimum one independent agency to have the most options to choose from.Most can insure with smaller regional carriers which may provide better rates.

Captive Insurance Agents

Captive agencies have only one company to place business with and examples are Allstate, AAA, Liberty Mutual and State Farm. They generally cannot give you multiple price quotes so always compare other rates. Captives are well schooled in insurance sales which helps them compete with independent agents. Consumers often buy from captive agents partially due to the prominence of the brand and strong financial ratings.

For a full directory of insurance agents, click here.

Selecting an insurance agent requires more thought than just a low price. These questions are important to ask:

  • Which company do they place the most coverage with?
  • Did they already check your driving record and credit reports?
  • Who are their largest clients?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Can they provide you with a list of referrals?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Is their price quote a firm figure or are their hidden costs?

After getting good answers to any questions you have and an acceptable price quote, it’s possible that you found a car insurance agent that is a good match to adequately provide car insurance. Keep in mind you can always cancel your policy at any time so don’t assume that you’re stuck with any particular company for the entire policy term.

What car insurance coverages do you need?

Understanding the coverages of your car insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability insurance

Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as attorney fees, repair costs for stationary objects, emergency aid and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Auto collision coverage

This coverage will pay to fix damage to your Patriot caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, backing into a parked car, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Patriot insurance rates

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like pain medications, prosthetic devices, hospital visits and surgery. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Jeep Patriot.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are set the same as your liablity limits.

Comprehensive (Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, theft, a broken windshield, hitting a bird and damage from getting keyed. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Cheaper insurance is a realistic goal

Lower-priced Jeep Patriot insurance can be sourced online in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

In this article, we presented a lot of tips how to get a better price on Jeep Patriot insurance. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the best prices are with a small mutual company.

People switch companies for a variety of reasons including questionable increases in premium, delays in paying claims, delays in responding to claim requests or an unsatisfactory settlement offer. Regardless of your reason, finding a new company is not as difficult as it may seem.