2016 Jeep Patriot Car Insurance Rates

Trying to find cheaper car insurance rates for your Jeep Patriot? I can’t think of a single person who likes buying car insurance, especially when they know they are paying too much.

Many insurance companies vie for your business, and it can be difficult to compare rates and uncover the absolute best price available.

How car insurance companies determine Jeep Patriot insurance prices

It’s important that you understand some of the things that go into determining your car insurance rates. If you know what controls the rates you pay, this empowers consumers to make smart changes that could result in lower rates. Lots of things are part of the calculation when premium rates are determined. A few of the factors are predictable like a motor vehicle report, but some are not as apparent such as your marital status or your commute time.

The following are a few of the “ingredients” used by companies to determine prices.

• An active insurance claims history can cost you more – If you are a frequent claim filer, don’t be surprised to see much higher rates or policy non-renewal. Auto insurance companies award better rates to insureds who file claims infrequently. Your car insurance is meant to be used in the event of more catestrophic claims.
• Your location is important – Residing in areas with lower population has it’s advantages when it comes to car insurance. Lower population means reduced accidents and also fewer theft and vandalism claims. Drivers in populated areas have congested traffic and higher rates of accident claims. Higher commute times means more chances of being involved in an auto accident.
• Coverage lapses lead to higher prices – Having an insurance coverage lapse can be a quick way to pay more for car insurance. And not only will your rates increase, being ticketed for driving with no insurance might get you a revoked license or a big fine.
• What are your comp and collision deductibles? – Deductibles for physical damage represent how much money you are willing to pay if you file a covered claim. Physical damage protection, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of covered claims would be collision with another vehicle, hail damage, and having a roll-over accident. The higher the amount you’re willing to pay, the less your company will charge you for insurance on Patriot coverage.
• Age of drivers – Youthful drivers are proven to be careless and easily distracted when at the wheel of a vehicle so they pay higher car insurance rates. Older insureds have been proven to be more responsible, are lower risk to insure and tend to be get fewer driving tickets.
• Liability limits on your policy – The liability section of your policy will protect you if you are found liable for personal injury or accident damage. It provides legal defense coverage which can cost thousands of dollars. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
• Vehicles with better crash test results lower premiums – Cars with high safety ratings get lower rates. Safer cars protect occupants better and lower injury rates means less money paid by your insurance company which can result in lower premiums.
• Gender and insurance – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Both genders are responsible for at-fault accidents at about the same rate, but guys tend to have more serious accidents. Men also have more aggressive citations such as reckless driving.

First Step: Get free insurance quotes

Comparing insurance rates can be challenging if you aren’t aware of the fastest way to get free quotes. You could spend your day driving to local insurance agents in your area, or you can stay home and use the web to get pricing more quickly.

Many popular insurance companies take part in a program where insurance shoppers submit one quote, and each company can give them a price based on that information. This system prevents you from having to do quotation requests for each company you want a rate for.

To submit your quote information now, click here to start a free quote.

The one downside to using this type of system is you cannot specify which carriers to receive prices from. If you would rather choose from a list of companies to receive pricing from, we have a page of insurance companies in your area. Click to view list.

The approach you take is up to you, just do your best to enter apples-to-apples information for each price quote. If you compare different values for each quote you can’t possibly get a fair rate comparison. Just slight variations in coverages can make a big difference in price. And when comparison shopping, obtaining a wide range of quotes helps locate better pricing.

These discounts can reduce insurance coverage rates

Properly insuring your vehicles can get expensive, but companies offer discounts to help bring down the price. Certain reductions will be credited at the time of quoting, but some must be inquired about before you will receive the discount.

• Discounts for New Vehicles – Buying a new car instead of a used car can be considerably cheaper because new model year vehicles keep occupants safer.
• E-sign Discounts
• Pay Upfront and Save – By paying your entire bill at once rather than spreading payments over time you could save 5% or more.
• Theft Deterent System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will qualify for a discount on a car insurance quote.
• Military Rewards – Being deployed in the military could mean lower premium rates.
• Homeowners Pay Less – Simply owning a home can save a few bucks since owning and maintaining a home demonstrates responsibility.
• Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on the same insurance coverage policy qualifies for this discount.
• No Claim Discounts – Drivers who stay claim-free get the best insurance coverage rates in comparison with drivers who are more careless.
• College Student Discount – Kids living away from home attending college and do not have access to a covered vehicle could qualify for this discount.
• Include Life Insurance and Save – Insurance companies who offer life insurance give a lower rate if you buy a life policy as well.

Please keep in mind that most credits do not apply the the whole policy. A few only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

A list of companies and their possible discounts are shown below.

• State Farm may have discounts that include Drive Safe & Save, anti-theft, multiple policy, multiple autos, good student, and student away at school.
• Liberty Mutual offers discounts for teen driver discount, preferred payment discount, hybrid vehicle, safety features, multi-policy, multi-car, and new vehicle discount.
• American Family may include discounts for accident-free, good student, Steer into Savings, early bird, defensive driver, and mySafetyValet.
• Progressive includes discounts for online quote discount, multi-policy, online signing, homeowner, and good student.
• Farmers Insurance may offer discounts for alternative fuel, early shopping, switch companies, mature driver, and multi-car.
• Auto-Owners Insurance offers discounts including teen driver, paid in full, safe driver, student away at school, paperless, and multiple vehicles.
• SAFECO policyholders can earn discounts including multi-car, accident prevention training, teen safe driver, anti-lock brakes, bundle discounts, drive less, and teen safety rewards.

If you are trying to find low cost car insurance quotes, ask all companies you are considering how you can save money. Some of the discounts discussed earlier might not be offered on policies in your area.

When do I need an agent’s advice?

When it comes to buying the right insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help you determine if you would benefit from professional advice.

• Is my teenager covered with friends in the car?
• Am I covered if I hit a deer?
• Can I get a multi-policy discount?
• Why am I be forced to buy a membership to get insurance from some companies?
• How can I find cheaper teen driver insurance?
• How many claims can I have before being cancelled?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Insurance coverage breakdown

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Jeep Patriot.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverage – This coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as court costs, structural damage and medical expenses. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Collision coverage – This pays for damage to your Patriot from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as sideswiping another vehicle, colliding with another moving vehicle, colliding with a tree, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like ambulance fees, pain medications, nursing services, X-ray expenses and rehabilitation expenses. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverages – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, hail damage, damage from a tornado or hurricane and rock chips in glass. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

In any little way, save everyday

Cheap 2016 Jeep Patriot insurance is definitely available online in addition to many insurance agents, so you need to shop car insurance with both so you have a total pricing picture. Some insurance coverage companies do not provide rate quotes online and many times these regional insurance providers sell through independent agents.

In this article, we presented a lot of techniques to lower your 2016 Jeep Patriot insurance premium rates. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from the smaller companies. Smaller companies may have significantly lower prices on certain market segments than the large multi-state companies such as Allstate and Progressive.

More learning opportunities

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)
• Think You’re a Safe Driver? (State Farm)
• Safety Belts FAQ (iihs.org)
• What is Full Coverage? (Allstate)