Cheaper 2007 Jeep Patriot Car Insurance Quotes

Are you sick and tired of sacrificing to make your car insurance payment? You are no different than many other consumers. Since you have so many online and local companies to choose from, it can be challenging to pick a lower cost car insurance provider.

Buying car insurance is not that difficult. If you have a policy now or need new coverage, you can learn to get lower rates while maintaining coverages. Vehicle owners only need an understanding of the most effective way to compare price quotes online.

Insurance cost influencing factors

Part of the insurance coverage buying process is learning the rating factors that go into determining the rates you pay for insurance coverage. When you understand what controls the rates you pay, this allows you to make good choices that can earn you much lower annual insurance costs.

• Buy as much liability coverage as you can afford – Liability insurance will afford coverage if you are responsible for causing damage or personal injury in an accident. Liability insurance provides legal defense which can cost a lot. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
• Lower rates with a multi-policy discount – Most major insurers will award lower prices to people who buy several policies from them in the form of a multi-policy discount. Even with this discount, it’s in your best interest to compare other insurance prices to help ensure you have the lowest rates.
• Mature drivers pay less – Older drivers are more cautious drivers, cause fewer claims and accidents .Youthful drivers are statistically proven to be inattentive and easily distracted when behind the wheel and because of this, their insurance coverage rates are much higher.
• Cheaper rates with high coverage deductibles – Physical damage coverage, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Some instances where coverage would apply would be a windshield shattered by a rock, vandalism, and rolling your vehicle. Comp and collision deductibles are how much you are willing to pay in the event of a claim. The more of the claim you’re willing to pay, the less your insurance coverage will be on Patriot coverage.
• lapses raise insurance coverage rates – Allowing your coverage to lapse can be a quick way to increase your renewal premiums. And not only will insurance be more expensive, not being able to provide proof of insurance may result in a license revocation or jail time. You could then be forced to file a SR-22 with your state motor vehicle department to get your license reinstated.
• Your location is important – Choosing to live in smaller towns and rural areas of the country is a good thing when buying insurance coverage. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. Drivers in populated areas have more auto accidents and higher rates of accident claims. Higher commute times translates into higher accident risk.
• Eliminate unneeded incidental coverages – Insurance policies have a lot of extra bells and whistles you can purchase if you aren’t diligent. Coverages for rental car coverage, better glass coverage, and extra equipment coverage may be costing you every month. They may sound like good ideas when you first buy your policy, but if you’ve never needed them in the past eliminate them to save money.
• Men drivers tend to cost more – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Both genders get in accidents at a similar rate, but the male of the species tend to have more serious accidents. They also receive more major tickets such as DWI and reckless driving.

Lower your insurance coverage rates with discounts

Companies don’t always list all possible discounts in a way that’s easy to find, so below is a list both well-publicized as well as some of the hidden ways to save on insurance coverage.

• Own a Home and Save – Owning your own home or condo can earn you a little savings because it requires personal responsibility.
• Accident Forgiveness Coverage – This one isn’t a discount, but some companies like Progressive, State Farm and Geico will let one accident slide without getting socked with a rate hike if your claims history is clear prior to being involved in the accident.
• Paper-free Discount – A few companies provide a small discount for buying your policy on their website.
• Discount for Life Insurance – Larger insurance coverage companies have a small discount if you purchase some life insurance too.
• Save with More Vehicles Insured – Insuring several vehicles with one company could earn a price break for each car.
• Federal Employees – Active or former government employment can earn a discount up to 10% on Patriot coverage depending on your company.
• Sign Early and Save – A few companies give discounts for signing up before your current expiration date. You may see this discount when you get insurance coverage quotes online.
• Safety Restraint Discount – Forcing all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Good Student Discount – Getting good grades may save as much as 25% on a insurance coverage quote. Earning this discount can benefit you well after school through age 25.
• Theft Deterent System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and that can save you a little bit as well.

A little disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Some only apply to individual premiums such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, that’s just not realistic.

Auto insurance companies that have some of the discounts shown above possibly include:

• State Farm
• American Family
• AAA
• Geico
• Mercury Insurance
• Farmers Insurance
• Progressive

Before you buy a policy, ask all companies you are considering which discounts you qualify for. Depending on the company, some discounts may not be available in your area. If you would like to view insurance coverage companies that offer many of these discounts, follow this link.

Car insurance buyers beware

Consumers can’t escape the ads that claim the lowest premium rates from the likes of Progressive, Geico, Allstate and State Farm. They all seem to make an identical promise that you can save if you get a free insurance coverage quote and switch your coverage.

How can each company make the same claim? This is the way they can do it.

Many companies have a preferred profile for the type of driver they prefer to insure. For instance, this type of risk profile might be between the ages of 30 and 50, has other policies, and does not commute to work. Any driver who matches those parameters will most likely get cheap premium rates and will cut their rates substantially.

Potential insureds who don’t meet this stringent profile must pay a more expensive rate which translates to business going elsewhere. Company advertisements say “drivers who switch” not “everybody who quotes” will save that much if they switch. That is how companies can make claims like that. Different companies use different criteria so you really need to get insurance coverage quotes from several different companies. It’s just not possible to know with any certainty which company will have the lowest rate quotes.

You are unique and your auto insurance should be too

When buying adequate coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions might point out whether you could use an agent’s help.

• How much liability insurance is required?
• Is my camper covered by my car insurance policy?
• Should I carry comprehensive and collision coverage?
• Will I be non-renewed for getting a DUI or other conviction?
• Am I covered if I wreck a rental car?
• Am I covered when using my vehicle for business?

If you’re not sure about those questions but you think they might apply to your situation, you might consider 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’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages 101

Having a good grasp of car insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average car insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive auto coverage – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, damage from a tornado or hurricane and hitting a deer. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability – This can cover damage that occurs to a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like legal defense fees, court costs and attorney fees. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for immediate expenses for ambulance fees, pain medications, dental work, chiropractic care and nursing services. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Collision – Collision coverage covers damage to your Patriot resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a building, colliding with another moving vehicle, hitting a mailbox, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Stretch your dollar

You just read some good ideas how to reduce 2007 Jeep Patriot insurance car insurance rates online. It’s most important to understand that the more you quote insurance coverage, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a small mutual company. Regional companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as State Farm, Geico and Nationwide.

Some insurance providers may not offer internet price quotes and usually these smaller companies prefer to sell through independent agents. Cheaper insurance coverage is definitely available from both online companies and from local agencies, and you need to price shop both to have the best rate selection.

Much more information about insurance coverage is located below:

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)