Cheap 2014 Jeep Patriot Insurance Rates

Do you get confused by the wide range of car insurance companies? Many other drivers are as well. vehicle owners have such a vast assortment of companies available that it can quickly become a real challenge to find the perfect company for you.

How to lower your auto insurance cost

There are a variety of methods to compare auto insurance prices but there is one way that is easier and takes less work. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to quickly compare rates.

All the larger companies take part in a program where prospective buyers only type in their quote data once, and each participating company then returns a price quote based on that information. This system prevents you from having to do quote forms for each company.

To participate in this free quote system, click here (opens in new window).

The one disadvantage to comparing rates this way is you cannot specify the providers to get quotes from. If you wish to select individual companies for rate comparison, we put together a list of companies who write auto insurance in your area. Click here to view list.

The approach you take is up to you, just make absolute certain that you use nearly identical quote data with every price quote. If you have different values for each quote it will be nearly impossible to determine the best price for your Jeep Patriot. Having just a slight variation in limits may result in a large different in cost. And when comparison shopping, obtaining a wide range of quotes increases the change that you will find the best price.

Don’t believe everything you hear

Big name companies like State Farm and Allstate constantly bombard you with television, radio, and online ads. All the ads have a common claim that drivers will save a bundle if you move your coverage to them. How does every insurance coverage company charge less that you’re paying now? Here is how they do it.

Insurance companies have an ideal profile for the type of customer that makes them money. For instance, a profitable risk profile might be over the age of 50, has other policies, and drives a car with an anti-theft system. Any new insured who fits that profile will get very good car insurance rates and most likely will save quite a bit of money when switching.

Potential customers who are not a match for these stringent criteria will have to pay higher premium rates which translates to business going elsewhere. Company advertisements say “customers that switch” not “everyone who quotes” can save as much as they claim. This is how companies can truthfully make those claims. Each company has different criteria, so you really need to compare free insurance coverage quotes often. It is impossible to predict which company will provide the lowest car insurance rates.

Verify you’re applying every discount

Companies don’t necessarily list every policy discount very clearly, so the list below details a few of the more well known and the harder-to-find ways to save on auto insurance.

• Resident Student – who attend college more than 100 miles from home without a vehicle on campus may qualify for this discount.
• ABS Brakes – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
• Driver Training Discounts – Taking part in a defensive driver course could earn you a small percentage discount and easily pay for the cost of the class.
• New Vehicle Savings – Insuring a new car can cost up to 25% less due to better safety requirements for newer models.
• No Accidents – Drivers who don’t have accidents have much lower rates when compared with drivers with a long claim history.
• Pay Upfront and Save – By paying your entire bill at once instead of monthly or quarterly installments you could save up to 5%.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think all the discounts add up to a free policy, it just doesn’t work that way.

A few popular companies and a partial list of their discounts are:

• State Farm policyholders can earn discounts including passive restraint, defensive driving training, safe vehicle, Drive Safe & Save, Steer Clear safe driver discount, multiple policy, and accident-free.
• Geico discounts include five-year accident-free, military active duty, driver training, anti-lock brakes, federal employee, and membership and employees.
• Progressive may have discounts that include online quote discount, online signing, continuous coverage, good student, multi-policy, homeowner, and multi-vehicle.
• 21st Century includes discounts for 55 and older, air bags, defensive driver, homeowners, theft prevention, automatic seat belts, and driver training.
• American Family may include discounts for early bird, mySafetyValet, defensive driver, Steer into Savings, and multi-vehicle.
• The Hartford offers discounts for air bag, defensive driver, vehicle fuel type, driver training, anti-theft, and good student.
• AAA has savings for multi-car, pay-in-full, education and occupation, AAA membership discount, and good driver.

Before purchasing a policy, check with every company what discounts are available to you. A few discounts may not be offered in your state.

When should I discuss my situation with an agent?

When it comes to choosing adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.

• How can I force my company to pay a claim?
• Am I covered when driving on a suspended license?
• Can I get a multi-policy discount?
• Is a fancy paint job covered?
• When would I need rental car insurance?
• What is the difference between comprehensive and collision coverage?
• How can I find cheaper teen driver insurance?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance policy specifics

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Auto liability insurance – This protects you from damage that occurs to people or other property. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like loss of income, emergency aid, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for bills like nursing services, surgery and chiropractic care. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, fire damage, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – This pays for damage to your Patriot resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Jeep Patriot.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

In the end, you save

Throughout this article, we presented a lot of techniques to compare 2014 Jeep Patriot insurance prices online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Drivers may discover the lowest prices come from an unexpected company.

Budget-conscious 2014 Jeep Patriot insurance can be found on the web and from local insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance companies may not offer the ability to get quotes online and many times these regional carriers prefer to sell through independent agencies.

Drivers who switch companies do it for any number of reasons including an unsatisfactory settlement offer, policy non-renewal, not issuing a premium refund or extreme rates for teen drivers. Whatever your reason, choosing a new insurance company is actually quite simple.

To learn more, feel free to visit these articles:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)