2011 Jeep Patriot Insurance Cost – 7 Ideas for Best Prices

Searching for cheaper car insurance rates for your Jeep Patriot? Nobody I know likes having to buy car insurance, especially when the price is too high.

With so many options, it can be hard to choose the most affordable provider.

Comprehensive Insurance Coverage Comparison Quotes

The are a couple different ways to compare rate quotes from insurance coverage companies in your area. The simplest method to find the lowest 2011 Jeep Patriot rates is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

  • One of the best ways to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This method keeps you from doing repetitive form entry for each company you want a rate for. Taking the time to complete one form gets rate comparisons from many national carriers.
  • A harder way to compare prices requires you to visit each individual company website to complete their respective quote request forms. For sake of this example, let’s say you want to compare Auto-Owners, Safeco and GEICO. You would have to visit each site and enter your policy data, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  • The least efficient way of getting rate comparisons is driving to insurance agents’ offices. The internet can eliminate the need for a local agent unless you prefer the personal advice of a licensed agent. It is possible to price shop online but buy from a local insurance agent.

It’s up to you how you get prices quotes, just double check that you are using exactly the same deductibles and coverage limits on every quote. If you compare different values for each quote you can’t possibly determine the best price for your Jeep Patriot. Slightly different insurance coverages may result in large price differences. And when quoting insurance coverage, remember that getting more free quotes provides better odds of finding the best rates.

Save with discounts on Jeep Patriot insurance

Auto insurance companies don’t necessarily list every discount in a way that’s easy to find, so here is a list some of the more common and the harder-to-find ways to save on insurance coverage.

  • Accident Free – Claim-free drivers can earn big discounts as compared to accident-prone drivers.
  • Driver Safety – Taking part in a course teaching defensive driving skills could cut 5% off your bill if you qualify.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Senior Citizens – Older drivers may be able to get reduced rates on Patriot insurance.
  • Accident Waiver – A few companies allow you one accident before raising your premiums if your claims history is clear for a set time period.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiring. It’s a savings of about 10%.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way.

A partial list of companies that may offer these money-saving discounts may include but are not limited to:

Check with all companies you are considering what discounts are available to you. Savings may not apply in your area.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your insurance needs would benefit from professional advice.

  • Do I need PIP coverage since I have good health insurance?
  • Are rock chip repairs covered?
  • Is my cargo covered for damage or theft?
  • Is my teenager covered with friends in the car?
  • Do I need higher collision deductibles?
  • Do I need added coverage for expensive stereo equipment?
  • How do I file an SR-22 for a DUI in my state?
  • Am I getting all the discounts available?

If you can’t answer these questions but you know they apply to you then you might want to talk 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.

Can you really save that much by switching?

Allstate, GEICO and Progressive consistently run television and radio advertisements. All the companies make an identical promise that you can save if you change your policy. But how can every company say the same thing?

All companies have a certain “appetite” for the driver they prefer to insure. For instance, a preferred risk might be over the age of 50, has no prior claims, and has excellent credit. A customer who meets those qualifications receives the best rates and most likely will save when they switch companies.

Drivers who do not match the requirements will have to pay higher prices and this can result in the customer not buying. Company advertisements say “customers that switch” not “people who quote” save money. That’s the way companies can truthfully advertise the way they do. Because of the profiling, drivers must get as many comparisons as possible. It is impossible to predict which company will give you the biggest savings on Jeep Patriot insurance.

Car insurance coverage information

Knowing the specifics of car insurance helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages available from car insurance companies.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see 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 property damage coverage for $100,000.

Liability can pay for claims like repair costs for stationary objects, attorney fees and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Jeep Patriot.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses for funeral costs, nursing services, surgery, EMT expenses and chiropractic care. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage will pay to fix damage to your Patriot resulting from colliding 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 can pay for claims such as crashing into a building, hitting a mailbox 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. It’s also possible to raise the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like falling objects, hail damage and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Smart shoppers get results

Discount 2011 Jeep Patriot insurance is attainable both online and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some car insurance companies may not provide online quoting and these small, regional companies work with independent agents.

While you’re price shopping online, do not sacrifice coverage to reduce premiums. In many cases, drivers have reduced uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at an affordable rate.

More information can be found at the links below