Cheap 2012 Jeep Patriot Car Insurance Rates

Trying to find the cheapest insurance rates for your Jeep Patriot? Sick and tired of sacrificing other expenses to pay insurance each month? You’re in the same situation as many other drivers. Popular companies such as Progressive, State Farm and Geico continually bombard you with advertising and consumers find it hard to avoid their marketing magic and find the best price available.

It’s important to get comparison quotes as often as possible because insurance prices are usually higher with each renewal. Even if you think you had the best price for Patriot coverage two years ago there is a good chance you can find better rate quotes now. There are a lot of ways to save on insurance out there, but in just a couple of minutes you can learn some great ideas on how to save money.

If you have a current auto insurance policy or are looking for a new policy, you can use these tips to cut your premiums while maintaining coverages. Buying car insurance is not rocket science. Consumers just need to know the proper methods to get comparison rates over the internet.

Six tips to get lower-cost insurance premiums

An important part of buying insurance is that you know the rating factors that come into play when calculating the rates you pay for insurance. When consumers understand what determines base rates, this allows you to make educated decisions that could result in big savings.

• Your career may increase rates – Careers such as real estate brokerspolice officers and accountants tend to pay higher rates than average attributed to high stress and extremely grueling work hours. Other occupations such as farmers, athletes and homemakers pay lower than average rates for Patriot coverage.
• Save by staying claim free – Insurance companies provide lower rates to insureds who only file infrequent claims. If you frequently file small claims, you can look forward to either higher rates or even cancellation. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
• Getting married pays dividends – Your spouse can get you a discount compared to being single. It means you’re more mature and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
• Only buy coverage you need – There are a lot of add-on coverages that can waste your money on your 2012 Patriot policy. Coverage for things like personal injury protection, high-cost glass coverage, and additional equipment coverage may not be needed and are just wasting money. They may sound like good ideas when deciding what coverages you need, but if you have no use for them eliminate the coverages to reduce your premium.
• Defend yourself with liability protection – Liability coverage is the coverage that protects you if a jury decides you are liable for physical damage or personal injury to other. It provides legal defense coverage to defend your case. It is affordable coverage when compared with rates for comp and collision, so buy as much as you can afford.
• Better premiums on cars with good safety ratings – Safer cars tend to be cheaper to insure. Vehicles engineered for safety protect occupants better and any reduction in injury severity means less claims paid which can result in lower premiums.

Insurance Discounts

Insurance is not inexpensive, but companies offer discounts that could help you make your next renewal payment. Certain reductions will be credited when you purchase, but some must be specially asked for prior to receiving the credit.

• Military Deployment Discount – Being on active deployment in the military may lower your rates slightly.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up before driving could cut 10% or more off the medical payments premium.
• Government Employee Discount – Employees or retirees of the government could provide a small rate reduction for Patriot coverage but check with your company.
• Sign Early and Save – Some insurance companies give discounts for switching to them before your current coverage expires. You may see this discount when you get car insurance quotes online.
• Pay Early and Save – By making one initial payment instead of monthly or quarterly installments you could save up to 5%.
• Claim-Free Discount – Drivers with accident-free driving histories get the best insurance rates compared to accident-prone drivers.
• Paperless Signup – A few larger online companies will give a small break for buying a policy and signing up over the internet.
• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts up to 30%.
• Discount for New Cars – Putting insurance coverage on a new car can save you some money because new model year vehicles are generally safer.

Discounts lower rates, but some of the credits will not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, you’re out of luck.

To view insurance companies that offer many of these discounts, click here to view.

Save $421 a year! What?

Consumers constantly see and hear ads that claim the best car insurance rates from the likes of Geico, State Farm and Progressive. They all advertise the message that drivers will save a bundle just by switching to their company.

But how can every company charge you less for car insurance?

All companies quote their best rates for the right customer that will most likely be profitable. For instance, a desirable risk might be described as between the ages of 30 and 45, has never had a policy lapse, and drives newer vehicles. A propective insured who fits that profile will probably get the lowest car insurance rates and will probably save money with a new company.

People who fall outside these standards must pay higher premiums which usually ends up with the customer not purchasing. If you listen closely, the ads state “customers who switch” but not “everyone who gets a quote” save money. That is how insurance companies can make those statements.

That is why you should quote coverage with many companies. It’s impossible to know the company that will have the best prices.

Tailor your auto insurance coverage to you

When choosing adequate coverage, there really is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. For instance, these questions may help highlight if you would benefit from professional advice.

• I have good health insurance, so how much medical payments coverage do I need?
• I don’t drive much so do I pay less?
• Is a fancy paint job covered?
• How do I file an SR-22 for a DUI in my state?
• What are the best liability limits?
• How can I get high-risk coverage after a DUI?
• Is my trailer covered?
• Why do I need rental car insurance?
• How can I get my company to pay me more for my totalled car?
• Why am I required to buy liability insurance?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Learn about insurance coverages for a Jeep Patriot

Understanding the coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, hitting a parking meter, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Jeep Patriot.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Liability – This coverage protects you from damage that occurs to other’s property or people by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like funeral expenses, emergency aid, structural damage, pain and suffering and attorney fees. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Comprehensive coverage – This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as fire damage, hitting a bird, falling objects and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments coverage and PIP – Med pay and PIP coverage pay for bills for things like funeral costs, X-ray expenses and dental work. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Be a money saver!

The cheapest 2012 Jeep Patriot insurance is available online as well as from insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not offer internet price quotes and these small insurance companies sell through independent agencies.

As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where someone sacrificed liability coverage limits only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to buy the best coverage you can find at an affordable rate and still be able to protect your assets.

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

• Insurance Losses by Make and Model (iihs.org)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• Where can I buy Insurance? (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)