Cheaper 2017 Jeep Patriot Car Insurance Quotes

If price shopping insurance quotes online is new to you, it’s easy to get baffled by the vast assortment of insurers selling insurance.

Consumers need to do rate comparisons periodically because prices are adjusted regularly by insurance companies. Even if you got the best deal on Patriot insurance on your last policy you may be paying too much now. There is a lot of bad advice regarding car insurance on the web, but we’re going to give you some solid techniques on how to stop overpaying for insurance.

Finding affordable coverage is not that difficult. If you currently have a car insurance policy, you should be able to cut costs considerably using these techniques. But consumers need to have an understanding of how companies price online insurance because it can help you find the best coverage.

Learn how to find auto insurance for less

Many things are considered when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but others are less obvious like your vehicle usage and annual miles driven.

The following are just a few of the factors utilized by car insurance companies to help set your prices.

  • Poor credit decisions can cost you – An insured’s credit score can be a huge factor in determining premium rates. Insureds with excellent credit scores tend to file fewer claims and have better driving records than drivers who have lower ratings. If your credit score is low, you could pay less to insure your 2017 Jeep Patriot by improving your credit score.
  • Are you male or female? – Over the last 30 years, statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Females and males cause at-fault accidents at a similar rate, but men tend to have higher claims. Men also statistically receive more major tickets like reckless driving and DUI.
  • Get married and get cheaper rates – Having a wife or husband helps lower the price when buying auto insurance. Having a spouse may mean you are more financially stable and statistics prove married couples file fewer claims.
  • Safeguard your assets with liability protection – Liability insurance will protect you if you are responsible for an accident. Liability provides for a legal defense which can cost a lot. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.

Affordable insurance coverage rates with discounts

Insurance coverage can be pricey, but you can get discounts that many people don’t even know exist. Certain credits will be shown when you get a quote, but once in a while a discount must be specially asked for before they will apply.

  • Student Discounts – Maintaining excellent grades may save you up to 25%. This discount can apply until age 25.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Discounts for Safe Drivers – Drivers without accidents can save up to 40% or more on their insurance quote on Patriot insurance compared to rates paid by drivers with frequent claims.
  • Own a Home – Simply owning a home can earn you a little savings because it is proof that your finances are in order.
  • Federal Government Employee – Active or former government employment can earn a discount up to 10% on Patriot insurance depending on your company.
  • Organization Discounts – Belonging to certain professional organizations may earn a discount when getting a insurance quote.
  • Low Mileage Discounts – Low annual miles could earn slightly better rates than normal.
  • ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control prevent accidents and qualify for as much as a 10% discount.
  • Multiple Cars – Buying coverage for all your vehicles with the same insurance coverage company can get a discount on all vehicles.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% compared to insuring an older model.

Remember that many deductions do not apply to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, it’s just not the way it works. But all discounts should help reduce your overall bill.

Popular insurance coverage companies and some of their more popular discounts include:

  • State Farm offers premium reductions for multiple autos, anti-theft, passive restraint, Steer Clear safe driver discount, and student away at school.
  • Farmers Insurance may offer discounts for distant student, homeowner, switch companies, pay in full, multi-car, early shopping, and mature driver.
  • Progressive includes discounts for continuous coverage, multi-vehicle, multi-policy, online signing, homeowner, good student, and online quote discount.
  • GEICO policyholders can earn discounts including seat belt use, emergency military deployment, good student, multi-policy, federal employee, and defensive driver.
  • Auto-Owners Insurance discounts include mature driver, anti-lock brakes, multi-policy, paperless, and teen driver.
  • The Hartford has discounts for driver training, defensive driver, good student, air bag, and anti-theft.
  • Farm Bureau has savings for multi-vehicle, youthful driver, good student, 55 and retired, multi-policy, driver training, and renewal discount.
  • USAA offers discounts for military installation, family discount, driver training, vehicle storage, safe driver, and annual mileage.

It’s a good idea to ask every company to apply every possible discount. Some discounts might not be offered on policies in your area.

Truth in auto insurance advertising

Respected companies like 21st Century, Allstate and State Farm consistently run television and radio advertisements. All the ads make an identical promise that drivers will save a bundle if you just switch your policy. How does every auto insurance company give you a better price? Here is the trick they use.

Insurance providers quote the lowest rates for the type of customer that makes them money. One example of a desirable insured should be over the age of 40, owns their home, and chooses high deductibles. A driver who matches those parameters will probably get the lowest car insurance rates and have a good chance to save money with a new company.

Potential insureds who do not meet these criteria will have to pay a more expensive rate which translates to the customer not buying. Company advertisements say “customers who switch” not “everyone who quotes” can save as much as they claim. That is how insurance companies can confidently make it sound like they have such great rates. Because every company is different, you should do a rate comparison at every renewal. It’s just too difficult to predict which auto insurance company will provide the lowest prices.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out if your situation might need an agent’s assistance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Is extra glass coverage worth it?
  • How much liability coverage do I need in my state?
  • How much underlying liability do I need for an umbrella policy?
  • Is my dog or cat covered if injured in an accident?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my ex-spouse still covered by my policy?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverage specifics

Having a good grasp of auto insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for collisions

Collision insurance pays for damage to your Patriot caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like EMT expenses, prosthetic devices, chiropractic care, funeral costs and nursing services. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2017 Jeep Patriot.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability

This coverage provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as bail bonds, repair bills for other people’s vehicles and loss of income. How much coverage you buy is your choice, but consider buying higher limits if possible.

Comprehensive auto insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, damage from flooding and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

The bottom line

Throughout this article, we presented a lot of information how to shop for 2017 Jeep Patriot insurance online. The key concept to understand is the more you quote insurance, the better chance you’ll have of finding inexpensive insurance. Drivers may discover the best price on insurance is with a smaller regional carrier.

Budget-conscious 2017 Jeep Patriot insurance is attainable on the web and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance providers may not provide online price quotes and usually these regional insurance providers sell through independent agencies.

When searching for inexpensive insurance quotes, don’t be tempted to reduce coverage to reduce premium. There are many occasions where an insured cut liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Additional learning opportunities

Comments About 2017 Jeep Patriot Insurance

  1. Louis Hobbs

    Does State Farm offer new car replacement?

  2. Asuncion Workman

    Does Nevada require liability coverage?

  3. Anisha Hernandez

    Got a quote with Eastwood for my 2017 Jeep Patriot and am saving around $260 a year. They were helpful in switching over.

  4. Jaquelyn Moss

    If you have a good history and live in the vicinity of Salt Lake City, UT, check out Allstate. I saved quite a bit. Insured with Nationwide before. It’s still not cheap enough.

  5. Deidre Burgess

    Does Allstate settle claims fairly?

  6. Lorean Gallagher

    IT’S ALL TOO EXPENSIVE! Checking in from Colorado Springs, CO. Not sure of all the companies but I ended up saving about $40 each month. Have a couple speeding tickets too.

  7. Kathline Stone

    Is GEICO cheaper than AIG Insurance in Raleigh, North Carolina?

  8. Van Hudson

    Lots of good stuff here. Proud to be from Dallas, TX. Quoted with Western Auto Insurance, American Family, The General, and Nationwide for my Jeep and saved $575 a year. Moved home policy as well.

  9. Mel Chambers

    I think I’m paying too much. Quoted with Allstate for my 2017 Jeep Patriot and cut my rates about $130 a year. Insured with GMAC before.

  10. Letha Livingston

    Live in Warwick, RI. Quoted prices online for a 2017 Jeep Patriot. Ended up at about $550 savings annually. Went with Progressive. Have a couple speeding tickets too.

  11. Guy French

    Live in the northern part of Overland Park, KS. Received quotes from State Farm, Farmers, and Liberty Mutual for my 2017 Jeep Patriot and saved around $320 a year. Teenage drivers are expensive!

  12. Jefferson Farrell

    Went with GMAC for my Jeep and cut my rates about $190 a year. Left State Farm to switch.