2017 Jeep Patriot X Car Insurance Quotes – 10 Ways to Save

Overpriced Jeep Patriot X insurance can drain your funds and maybe even restrict other spending. Comparing price quotes is a smart way to cut your insurance bill.

Due to the fact that there are so many companies and agents to choose from, it’s difficult to find the lowest price car insurance provider.

The easiest way to compare insurance rates in your area is to understand auto insurance companies participate in online systems to give free rates quotes. The only thing you need to do is give them some information like if a SR-22 is required, what your job is, driver ages, and whether you are single or married. Your rating data is then submitted to all major companies and they return rate quotes almost instantly.

To find the cheapest car insurance rates, click here then complete the form.

Get cheap insurance rates with discounts

Insurance is easily one of your largest bills, but discounts can save money and there are some available to help offset the cost. Many of these discounts will be applied automatically at quote time, but some discounts are required to be manually applied before you will receive the discount. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if it’s offered in school.
• Employee of Federal Government – Active or former government employment may reduce rates when you quote insurance coverage for Patriot X coverage with select insurance companies.
• No Charge for an Accident – Not a discount per se, but a few companies such as Liberty Mutual and Geico will let one accident slide before hitting you with a surcharge as long as you don’t have any claims for a set time period.
• Discount for Life Insurance – Larger insurance companies have a small discount if you purchase a life insurance policy as well.
• Military Discounts – Being deployed in the military could be rewarded with lower prices.
• Claim Free – Drivers with accident-free driving histories pay much less as opposed to policyholders that have many claims.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up could cut 10% or more on the premium charged for medical payments and/or PIP.
• Multiple Policy Discount – If you combine your auto and homeowners policies and insure them with the same company you could earn a discount of approximately 10% to 15%.
• Multi-Vehicle Discounts – Buying insurance for primary and secondary vehicles with the same insurance company can reduce rates for all insured vehicles.
• Discounts for Cautious Drivers – Drivers who don’t get into accidents may receive a discount up to 45% for Patriot X coverage than drivers with accidents.

Keep in mind that some credits don’t apply to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. So when it seems like you could get a free insurance policy, insurance companies wouldn’t stay in business.

A few popular companies and a partial list of their discounts are shown below.

• 21st Century policyholders can earn discounts including student driver, homeowners, driver training, automatic seat belts, and early bird.
• State Farm may offer discounts for accident-free, Steer Clear safe driver discount, passive restraint, multiple autos, safe vehicle, and good driver.
• AAA may have discounts that include good driver, multi-car, AAA membership discount, multi-policy, pay-in-full, education and occupation, and anti-theft.
• Liberty Mutual has discounts for exclusive group savings, newly married, new graduate, multi-car, safety features, newly retired, and new move discount.
• Progressive offers discounts for multi-vehicle, good student, multi-policy, continuous coverage, and online signing.

When quoting, ask every insurance company how you can save money. Some discounts may not apply to policies in your area. For a list of insurance companies who offer discounts, click this link.

Tailor your insurance coverage to you

When it comes to buying coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help you determine if your situation will benefit from professional help.

• Should I bundle my homeowners policy with my auto?
• Does my policy cover me when driving someone else’s vehicle?
• Is upholstery damage covered by car insurance?
• How can I find cheaper teen driver insurance?
• Do I really need UM/UIM coverage?
• When would I need additional glass coverage?
• Should I get collision insurance on every vehicle?
• What if I owe more than I can insure my car for?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about 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 insurance companies in your area. It is quick, free and can provide invaluable advice.

Auto insurance coverages 101

Learning about specific coverages of auto insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages offered by auto insurance companies.

Collision coverage – This coverage covers damage to your Patriot X caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like scraping a guard rail, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability – Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as repair costs for stationary objects, legal defense fees, bail bonds and medical expenses. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Comprehensive auto insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, rock chips in glass, hitting a bird and fire damage. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses – Med pay and PIP coverage kick in for short-term medical expenses for things like pain medications, surgery and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Shop smart and save

We just covered a lot of tips how to save on 2017 Jeep Patriot X insurance. The most important thing to understand is the more providers you compare, the better likelihood of getting low cost insurance coverage. You may even find the most savings is with a small mutual company. They may have significantly lower rates on certain market segments than the large multi-state companies such as Geico and State Farm.

Low-cost 2017 Jeep Patriot X insurance can be sourced online and from local insurance agents, and you should compare rates from both in order to have the best chance of saving money. A few companies do not offer online rate quotes and most of the time these smaller providers only sell coverage through independent agencies.

More learning opportunities

• Teen Driving and Texting (State Farm)
• Auto Insurance Learning Center (State Farm)
• Booster Seat Ratings (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)