Compare 2010 Jeep Patriot Car Insurance Rates

Pretty sure you bought an expensive insurance coverage policy? Don’t feel bad because there are many people just like you. You have so many insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, more choices can make it harder to find the lowest cost provider.

It’s important to take a look at other company’s rates every six months since insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest premium rates on Patriot coverage a couple years back you will most likely find a better price today. Ignore everything you know about insurance coverage because I’m going to teach you the fastest way to remove unneeded coverages and save money.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these techniques. Consumers just need to know the proper methods to shop their coverage around on the web.

The Jeep Patriot insurance rate equation

Multiple criteria are part of the equation when you get your auto insurance bill. Some are pretty understandable such as your driving history, although others are more transparent such as your credit history and annual miles driven.A large part of saving on auto insurance is knowing some of the things that help calculate the rates you pay for auto insurance. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could help you find better auto insurance rates.

Shown below are some of the most common factors utilized by car insurance companies to help set your rate level.

• The higher your credit history the lower your rates – A driver’s credit score factor in determining your rates. Drivers who have high credit ratings tend to be more responsible and file fewer claims than those with lower ratings. If your credit can be improved, you could pay less to insure your 2010 Jeep Patriot by repairing your credit.
• Maintain auto insurance coverage – Having an insurance coverage lapse will be a sure-fire way to pay more for auto insurance. Not only will rates go up, being ticketed for driving with no insurance might get you fines and jail time.
• Driving citations increase costs – Being a careful driver impacts your car insurance rates tremendously. Only having one ticket can boost insurance rates by as much as twenty percent. Careful drivers get better prices compared to bad drivers. Drivers who have multiple violations like DUI, reckless driving or excessive speeding may be required to maintain a SR-22 with their state’s department of motor vehicles in order to continue driving.
• You might have higher premiums if you are single – Being married may cut your premiums when buying auto insurance. It may mean you are more financially stable and insurance companies like that married couples file fewer claims.
• Driver age impacts prices – Mature drivers have been proven to be more responsible, cost insurance companies less in claims and are safer drivers.Youthful drivers have a tendency to be careless and easily distracted in a vehicle so they pay higher auto insurance rates.
• Add-on coverages can waste money – Policies have extra add-on coverages you can purchase if you aren’t careful. Insurance for roadside assistance, death and dismemberment, and membership fees may be costing you every month. They may sound like good ideas at first, but your needs may have changed so get rid of them and save.
• Your liability protection limits – The liability section of your policy will protect you if ever you are determined to be liable for personal injury or accident damage. Your policy’s liability insurance provides legal defense which can cost a lot. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.

Discounts for lower-cost car insurance rates

Car insurance is expensive, but you can get discounts that could drop your premiums quite a bit. Most are applied when you purchase, but once in a while a discount must be specially asked for prior to receiving the credit.

• Pay Upfront and Save – If paying your policy premium upfront rather than paying in monthly installments you can avoid the installment charge.
• Air Bag Discount – Options like air bags may qualify for discounts of 20% or more.
• Discounts for Federal Employees – Simply working for the federal government could provide a small rate reduction on Patriot coverage but check with your company.
• Theft Prevention System – Cars equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
• Low Mileage Discounts – Driving less may allow you to get lower prices due to less chance of an accident.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
• First Accident Forgiveness – Not necessarily a discount, but companies like Geico, Progressive, and Allstate permit an accident without getting socked with a rate hike if you have no claims for a certain period of time.
• Online Discount – A handful of companies will provide an incentive shop auto insurance digitally online.
• New Car Discount – Buying insurance on a new vehicle can save up to 30% compared to insuring an older model.

Discounts save money, but please remember that most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, car insurance companies aren’t that generous.

Companies and the discounts they provide are shown below.

• AAA may include discounts for multi-car, good student, AAA membership discount, multi-policy, and good driver.
• Progressive offers premium reductions for online quote discount, online signing, homeowner, continuous coverage, multi-policy, multi-vehicle, and good student.
• State Farm offers discounts for safe vehicle, good driver, anti-theft, passive restraint, multiple policy, student away at school, and accident-free.
• Esurance discounts include emergency road assistance, claim free, defensive driver, anti-lock brakes, good student, anti-theft, and good driver.
• Nationwide includes discounts for multi-policy, Farm Bureau membership, accident-free, business or organization, good student, family plan, and defensive driving.

When getting a coverage quote, ask each insurance company the best way to save money. Some discounts listed above may not apply to policyholders in your area. For a list of insurance companies that provide some of the discounts listed above, click here.

The ad said I’d save $445 a year!

Consumers constantly see and hear ads that claim the cheapest premium rates by companies like State Farm, Geico and Progressive. They all advertise claims that you’ll save big if you get a free auto insurance quote and switch your insurance coverage to their company.

But how can every company sell you cheaper insurance coverage? Here is how they do it.

Insurance companies have underwriting criteria for the type of driver that will most likely be profitable. A good example of this type of driver could be a married female, has had continuous coverage, and drives less than 10,000 miles a year. Someone who matches those parameters will get the preferred prices as well as cut their rates substantially.

People who cannot meet this ideal profile will see higher premiums which usually ends up with the customer not purchasing. If you pay attention, the ads say “people who switch” not “everyone who quotes” save money. That’s the way insurance companies can confidently lure you into getting a quote. This really drives home the point why drivers should compare many company’s car insurance rates. You cannot predict which company will have the lowest rate quotes.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For instance, these questions may help highlight whether you could use an agent’s help.

• Is business property covered if stolen from my car?
• If my 2010 Jeep Patriot is totaled, can I afford another vehicle?
• Should I buy additional glass protection?
• How do I file an SR-22 for a DUI in my state?
• When should I not file a claim?
• Is my trailer covered?
• Does car insurance cover theft of personal property?
• Should I rate my 2010 Jeep Patriot as pleasure use or commute?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Learn about insurance coverages for a Jeep Patriot

Having a good grasp of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Comprehensive coverages – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, rock chips in glass and vandalism. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like hospital visits, nursing services, chiropractic care and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability – This protects you from damage or injury you incur to other people or property in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things such as medical expenses, attorney fees, funeral expenses, legal defense fees and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, hitting a parking meter, rolling your car, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Jeep Patriot.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

In the end, you save

More affordable insurance coverage can be sourced online in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection. Some companies may not offer online price quotes and usually these small insurance companies prefer to sell through independent insurance agents.

In this article, we covered some good ideas how to shop for 2010 Jeep Patriot insurance online. It’s most important to understand that the more you quote auto insurance, the higher your chance of finding affordable auto insurance. Consumers may even find the lowest car insurance rates come from a lesser-known regional company. They can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, Geico and Progressive.

To read more, feel free to browse the following helpful articles:

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• All About Airbag Safety (State Farm)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)