Lower Your 2013 Jeep Patriot Insurance Cost

Trying to find the cheapest car insurance rates for your Jeep Patriot? Searching for the cheapest insurance for a Jeep Patriot can be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to buy car insurance so we’re going to tell you the best way to price shop coverage for a new or used Jeep and obtain the lowest possible price either online or from local insurance agents.

Consumers need to compare premium rates on a regular basis because prices tend to go up over time. Just because you found the lowest quotes for Patriot insurance a few years ago you may be paying too much now. Forget all the misinformation about car insurance because I’m going to teach you the best way to save on car insurance.

Shop insurance coverage online

All major insurance coverage companies like State Farm, Geico and Progressive give price estimates on the web. Getting online quotes is pretty easy as you simply enter into the form. Once entered, their quoting system automatically orders reports for credit and driving violations and returns pricing information based on these and other factors.

This helps simplify price comparisons, but the work required to visit several different sites and enter the same data into a form can be a bit tiresome and repetitive. Unfortunately, it is important to compare as many rates as possible if you want to get a lower rate.

Isn’t there an easier way to compare rates?

The quickest way to lower your insurance coverage bill uses one simple form that analyzes rates from multiple companies. It’s a real time-saver, eliminates form submissions, and makes price shopping online much easier. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick any one of the quotes that you receive. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. It takes just a few minutes to complete and you’ll know if lower rates are available.

To save time and fill out one form to compare multiple rates now, click here and enter your vehicle and coverage information. To compare your current rates, we recommend you copy your coverages identical to your current policy. Doing this guarantees you will receive rate comparison quotes for the exact same coverage.

These discounts can lower your car insurance rates

Buying car insurance is not cheap, but you might be missing out on some discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be requested specifically before you will receive the discount.

• Senior Discount – If you qualify as a senior citizen, you may be able to get better car insurance rates for Patriot insurance.
• Buy New and Save – Buying a new car instead of a used car may earn a small discount since new model year vehicles are generally safer.
• Discount for Low Mileage – Low mileage vehicles may enable drivers to earn cheaper car insurancerates.
• Multi-Vehicle Discounts – Insuring multiple vehicles on the same car insurance policy can reduce the rates for all insured vehicles.
• Early Signing – A few companies give discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
• Driver’s Education for Students – Teen drivers should successfully complete driver’s ed class in high school.
• Driver Training Discounts – Taking time to complete a course in driver safety could earn you a small percentage discount and make you a better driver.
• Accident Forgiveness – but a few companies such as Allstate, State Farm and Geico will allow you to have one accident before hitting you with a surcharge if you have no claims for a particular time prior to the accident.
• Online Discount – A handful of insurance companies will provide an incentive for buying your policy on their website.
• Passenger Safety Discount – Options like air bags or motorized seat belts can get savings of up to 25% or more.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, nobody gets a free ride.

Some companies who might offer most of these discounts include:

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

When comparing rates, check with every insurance company the best way to save money. All car insurance discounts may not apply to policyholders in your area. If you would like to see a list of providers that provide some of the discounts listed above, click here to view.

Different people need different car insurance coverages

When choosing the best car insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.

For example, these questions can aid in determining if your insurance needs might need professional guidance.

• Can I afford to pay high deductible claims out of pocket?
• Am I covered if I hit my neighbor’s mailbox?
• Is my nanny covered when driving my vehicle?
• Should I waive the damage coverage when renting a car?
• Do I have newly-aquired coverage?
• Does coverage extend to my business vehicle?
• Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It’s fast, free and can help protect your family.

You can change your insurance prices

When buying insurance coverage it’s important to understand the rating factors that go into determining the price you pay for insurance coverage. If you have a feel for what impacts premium levels, this allows you to make educated decisions that can earn you lower insurance coverage prices.

• Drive lots and pay more – The more you drive your Jeep annually the more you will pay for insurance coverage. Most companies calculate prices based upon how much you drive. Cars that are left in the garage receive better premium rates than cars that get driven a lot. Make sure your policy reflects annual mileage. Improper usage on your Patriot can result in significantly higher rates.
• Don’t let your coverage lapse – Having a gap between insurance policy dates can be a sure-fire way to increase your rates. In addition to paying higher premiums, getting caught without coverage could result in a license revocation or jail time.
• Advanced GPS tracking and theft deterrents – Choosing a vehicle with an alarm system can get you a discount on your insurance coverage. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
• Safer cars are cheaper to insure – Vehicles that have high safety ratings tend to have lower insurance rates. Highly rated vehicles reduce injuries and lower rates of occupant injuries means less claims paid and more competitive rates for policyholders.

Buyer beware of insurance coverage advertising tricks

Consumers can’t escape the ads that claim the best car insurance rates from companies such as State Farm, Geico and Progressive. All the companies make the same claim that you’ll save big if you get a free auto insurance quote and switch to their company.

How is it plausible that every one can offer you a better deal? Just pay attention to how they say it.

Many companies have specific characteristics for the driver that is profitable for them. An example of a profitable customer could possibly be over the age of 40, carries high limits, and drives less than 7,500 miles a year. Any driver that fits those parameters is entitled to the best price and therefore will save quite a bit of money when switching.

People who fall short of this stringent profile will see higher premium rates and this can result in business going elsewhere. The trick companies use is to say “drivers that switch” not “everyone who quotes” save that much money. That is how companies can truthfully state the savings. This really drives home the point why you should do a rate comparison at every renewal. It is impossible to guess with any certainty which company will have the best prices.

Car insurance coverage specifics

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability insurance

Liability insurance can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like medical expenses, loss of income, emergency aid and medical services. How much coverage you buy is up to you, but consider buying as much as you can afford.

Auto collision coverage

This coverage will pay to fix damage to your Patriot caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, damaging your car on a curb, hitting a mailbox, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as prosthetic devices, EMT expenses and doctor visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Jeep Patriot.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive protection

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, fire damage, a broken windshield and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Saving money makes a lot of cents

Drivers leave their current company for many reasons like being labeled a high risk driver, policy non-renewal, poor customer service or even questionable increases in premium. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

We just showed you many ideas to shop for 2013 Jeep Patriot insurance online. It’s most important to understand that the more times you quote, the higher your chance of finding cheaper auto insurance. You may even find the biggest savings come from some of the smallest insurance companies.

When searching for affordable auto insurance quotes, it’s not a good idea to reduce coverage to reduce premium. In many cases, someone sacrificed liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at the best possible price but still have enough coverage for asset protection.

Additional detailed information is available in these articles:

• Auto Insurance Basics (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)