2011 Jeep Patriot Insurance Quotes – 9 Policy Discounts

Looking for better car insurance rates for your Jeep Patriot? Pricey Jeep Patriot insurance can take a big chunk out of your accounts and possibly require you to analyze your spending habits. Comparing cost estimates is free and is an excellent way to lower your monthly bill.

Insurance companies such as State Farm, Allstate, Geico and Progressive constantly blast consumers with fancy advertisements and it is challenging if not impossible to avoid their marketing magic and do the work needed to find the best deal.

If you are insured now or are shopping for new coverage, you can use these tips to reduce the price you pay and still get good coverage. Buying car insurance is quite easy. Drivers just need to know how to shop online.

How to compare free insurance coverage quotes

Getting low cost 2011 Jeep Patriot insurance coverage pricing is actually quite simple. You just need to spend a little time comparing rate quotes from different insurance companies. This can easily be done using one of these methods.

If you don’t have a lot of time, the easiest way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for multiple quote forms for every prospective company. A single form gets you price quotes instantly.

Another way to obtain and compare quotes online consists of going to the website for every company you want to comare and go through the quote process again. For example, let’s say you want to compare rates from Progressive, Safeco and Farmers. To get each rate you have to go to every website and repeatedly type in your coverage information, which can get old fast.

For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but double check that you are using apples-to-apples coverages and limits with every price quote. If the quotes have different data then you won’t be able to make a fair comparison for your Jeep Patriot.

Cheaper rates with these nine discounts

Insurance can be prohibitively expensive, but there may be some discounts that can drop the cost substantially. Most are applied at the time of purchase, but some need to be requested specifically before you will receive the discount. If you do not double check each discount you deserve, you are not getting the best rate possible.

• Pay Upfront and Save – If you pay your bill all at once as opposed to paying monthly you can avoid monthly service charges.
• Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts as much as 30%.
• Military Discounts – Being on active duty in the military could be rewarded with lower premium rates.
• ABS Brakes – Vehicles with ABS braking systems or traction control are safer to drive and the ABS can save up to 10%.
• Discount for Good Grades – A discount for being a good student could provide a savings of up to 20% or more. The discount lasts up to age 25.
• Multi-policy Discount – If you can combine your home and auto policy with one insurance company you could earn a discount of as much as 10 to 15 percent.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
• Auto/Life Discount – If the company offers life insurance, you could get better premium rates if you take out a life policy as well.
• Own a Home – Just being a homeowner can save a few bucks since owning and maintaining a home requires personal responsibility.

As is typical with insurance, most credits do not apply the the whole policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

A few companies that may include many of the previously listed discounts include:

• State Farm
• Farmers Insurance
• Progressive
• Geico
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

If you need lower rates, check with all companies you are considering to give you their best rates. Depending on the company, some discounts might not apply in your area. To see companies that offer many of these discounts, click this link.

Insurance coverage can be complex

When buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique so this has to be addressed. These are some specific questions may help highlight if you will benefit from professional help.

• How can I get my company to pay me more for my totalled car?
• Is my dog or cat covered if injured in an accident?
• Do I need PIP coverage since I have good health insurance?
• Does my policy cover my teen driver if they drive my company car?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I need replacement cost coverage?
• Is other people’s property covered if stolen from my vehicle?
• Can I afford to pay high deductible claims out of pocket?
• What are the financial responsibility laws in my state?
• Is my business laptop covered if it gets stolen from my vehicle?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can help protect your family.

Learn about insurance coverages for a 2011 Jeep Patriot

Knowing the specifics of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on the average insurance policy.

Collision – This will pay to fix damage to your Patriot resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, crashing into a building, sideswiping another vehicle, colliding with a tree and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2011 Jeep Patriot.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive (Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, damage from getting keyed, hitting a bird, fire damage and a broken windshield. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance – Liability coverage protects you from injuries or damage you cause to people or other property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like attorney fees, funeral expenses, medical expenses, structural damage and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Medical expense insurance – Med pay and PIP coverage reimburse you for immediate expenses like prosthetic devices, hospital visits, rehabilitation expenses, nursing services and ambulance fees. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Make a quick buck

Cheap 2011 Jeep Patriot insurance is possible online and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers may not provide online price quotes and many times these smaller providers prefer to sell through independent agencies.

We’ve covered a lot of ways to get a better price on 2011 Jeep Patriot insurance. The most important thing to understand is the more providers you compare, the better likelihood of getting low cost car insurance. You may even find the lowest premium rates are with some of the smallest insurance companies. Smaller companies may have significantly lower prices on certain market segments compared to the large companies like Geico and State Farm.

Helpful resources

• How to Avoid Staged Accidents (State Farm)
• Older Driver Statistics (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)