Save on 2007 Jeep Patriot Insurance Quotes

Searching for cheaper car insurance rates? Consumers have many options when looking for the lowest priced Jeep Patriot insurance. They can either spend hours calling around getting price quotes or utilize the internet to make rate comparisons.

There are both good and bad ways to buy car insurance so you’re going to learn the proper way to quote coverages for a new or used Jeep and obtain the lowest price either online or from local insurance agents.

You need to compare prices every six months since insurance rates trend upward over time. Just because you had the best price on Patriot coverage a year ago the chances are good that you can find a lower rate today. Starting right now, ignore everything you know about car insurance because I’m going to teach you the fastest way to find lower rates on car insurance.

How to Compare Insurance

There are multiple methods to compare 2007 Jeep Patriot insurance quotes, but some are less time-consuming than others. You could waste time driving to insurance companies in your area, or you can utilize the internet to get pricing more quickly.

Many popular insurance companies take part in a program that enables customers to send in one quote, and at least one company then gives them pricing based on that data. This system prevents you from having to do quote forms for each company you want a rate for.

To find out how much you can save on insurance click here to open in new window.

The only downside to using this type of system is you are unable to specify the insurers you want pricing from. So if you prefer to choose specific providers for rate comparison, we have a listing of low cost insurance companies in your area. Click to view list.

Which method you use is up to you, but make absolute certain that you use the exact same information on every quote you get. If the quotes have mixed coverages it’s impossible to determine the lowest rate for your Jeep Patriot.

Is my situation unique?

When it comes to choosing proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions may help you determine whether your personal situation may require specific advice.

  • What are the financial responsibility laws in my state?
  • Is rental equipment covered for theft or damage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if hit by an uninsured driver?
  • Is my trailer covered?
  • Should I buy full coverage?
  • What is roadside assistance coverage?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.

Coverages available on your insurance policy

Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Auto liability

Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as bail bonds, medical expenses and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, a tree branch falling on your vehicle, a broken windshield and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like ambulance fees, surgery and chiropractic care. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Jeep Patriot.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Collision protection

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

Collision coverage pays for claims such as rolling your car, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.