View 2015 Jeep Patriot Car Insurance Rates

Trying to come up with a payment for pricey car insurance can eat up your monthly budget and make it impossible to make ends meet.

Vehicle owners have multiple auto insurance companies to buy insurance from, and although it’s nice to have a choice, it can be more challenging to get the best deal.

You should make it a habit to price shop coverage before your policy renews since prices tend to go up over time. Just because you found the best rate for Patriot coverage at your last renewal the chances are good that you can find a lower premium rate today. You can find a lot of misleading information regarding car insurance online, but in just a couple of minutes you can learn some of the best techniques to lower your car insurance rates.

Learn how to lower your insurance rates

Smart consumers have a good feel for the different types of things that help calculate your premiums. When consumers understand what controls the rates you pay, this helps enable you to make changes that could result in much lower annual insurance costs.

Listed below are some of the factors used by your company to calculate prices.

• Too many insurance coverage claims will drive rates up – If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Insurance companies award most affordable rates to policyholders who are claim-free. Auto insurance is intended for more catestrophic claims.
• How your age affects costs – Teen drivers are known to be inattentive and easily distracted behind the wheel so insurance coverage rates are higher. Older insureds are more responsible, statistically cause fewer accidents and receive fewer citations.
• Increase comp and collision deductibles and save – Physical damage deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. Physical damage coverage, also called ‘full coverage’, protects your car from damage. Some coverage claims are rearending another vehicle, fire damage, and having a roll-over accident. The more money the insured has to pay upfront, the less your company will charge you for insurance for Patriot coverage.
• Higher insurance coverage rates for coverage lapses – Allowing your coverage to lapse is a guaranteed way to pay more for insurance coverage. Not only will you pay higher rates, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license. You may have to prove you have insurance by filing a SR-22 with your state DMV.
• Responsible drivers have lower costs – Being a careful driver has a lot to do with how much you pay for insurance. Having a single ticket can increase the cost of insurance forty percent or more. Careful drivers have lower premiums compared to bad drivers. Drivers who have received careless violations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to maintain a SR-22 with their state in order to drive a vehicle legally.
• Poor credit can mean higher costs – Having a bad credit rating is likely to be a major factor in determining what you pay for insurance coverage. Consumers who have very good credit scores tend to be better risks to insure than drivers who have bad credit. So if your credit history is lower than you’d like, you could pay less to insure your 2015 Jeep Patriot by taking the time to improve your credit score.

Buy auto insurance online

There are a lot of ways to compare auto insurance quotes, but some are easier and takes less work. You can waste hours talking about coverages with insurance agencies in your area, or you could use the internet to get rate comparisons in just a few minutes.

Many of the larger companies participate in a marketplace that allows shoppers to submit one quote, and each participating company can provide price quotes for coverage. This prevents consumers from doing quotation requests to every company.

To compare rates using this form now click to open in new window.

The one downside to using this type of form is that consumers can’t choose the providers you will receive quotes from. So if you prefer to pick individual companies for rate comparison, we have a page of companies who write auto insurance in your area. Click to view list.

Whichever method you choose, compare nearly identical coverage limits for every quote you compare. If you enter mixed coverages you will not be able to determine the lowest rate for your Jeep Patriot. Having just a slight variation in limits could throw off the whole comparison. Just remember that comparing a large number of companies increases the change that you will find the best rates.

These discounts can cut auto insurance rates

The cost of insuring your cars can be expensive, but there could be available discounts to help offset the cost. Some discounts apply automatically at the time of quoting, but some may not be applied and must be requested specifically before they will apply.

• Smart Student Discounts – Being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
• Multi-policy Discount – If you combine your homeowners and auto policies with one company you may save as much as 10 to 15 percent.
• Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save 10% or more on medical payment and PIP coverage.
• Discount for Swiching Early – A few companies allow discounts for switching to them before your current policy expires. It could save around 10% when you buy insurance coverage online.
• Discounts for Cautious Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Patriot coverage than less cautious drivers.
• No Claims – Claim-free drivers have much lower rates in comparison to frequent claim filers.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it can save substantially.
• Low Mileage Discounts – Maintaining low annual mileage can earn discounted prices on garaged vehicles.
• Homeowners Pay Less – Just owning your own home can get you a discount because maintaining a house demonstrates responsibility.
• ABS Braking Discount – Cars and trucks that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.

Don’t be surprised that many deductions do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comp or med pay. Despite the appearance that all those discounts means the company will pay you, you aren’t that lucky. Any qualifying discounts will definitely lower the cost of your policy.

If you would like to view insurers that have a full spectrum of discounts, follow this link.

When do I need an agent’s advice?

When it comes to choosing coverage, there really is not a “best” method to buy coverage. Each situation is unique and your policy should reflect that. For instance, these questions might help in determining if you will benefit from professional help.

• Am I covered when driving on a suspended license?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Is other people’s property covered if stolen from my vehicle?
• Do I really need UM/UIM coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Is motorclub coverage worth it?
• At what point should I drop full coverage?
• Should I buy full coverage?
• What is medical payments coverage?
• How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Learn about insurance coverages for a Jeep Patriot

Knowing the specifics of insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by insurance companies.

Comprehensive coverages

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, hitting a bird, hitting a deer and vandalism. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage

This provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Jeep Patriot.

Since many 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 very important.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as scraping a guard rail, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverage

This coverage provides protection from damage that occurs to people or other property. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for things like structural damage, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for X-ray expenses, prosthetic devices, chiropractic care, rehabilitation expenses and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

A penny saved is a penny earned

We’ve covered a lot of tips how to save on 2015 Jeep Patriot insurance. The key thing to remember is the more providers you compare, the better likelihood of getting the cheapest insurance coverage. You may be surprised to find that the most savings is with some of the smallest insurance companies. They may cover specific market segments cheaper compared to the large companies like State Farm, Geico and Nationwide.

Lower-priced insurance coverage is attainable from both online companies as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who may not provide the ability to get a quote online and these small insurance companies only sell coverage through independent agencies.

More detailed insurance coverage information is available at these sites:

• Collision Insurance Coverage (Nationwide)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• How do I File a Claim? (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• Auto Insurance Basics (Insurance Information Insitute)