Cheap 2012 Jeep Patriot Car Insurance Cost

Trying to find better insurance rates for your Jeep Patriot? Having to pay for overpriced insurance can take a big chunk out of your bank account and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away.

Because you have many insurance companies to choose from, it can be impossible to pick the most affordable company.

It’s important to compare rates occasionally since insurance rates go up and down regularly. Just because you had the best price on Patriot coverage last year you can probably find a better price now. So block out anything you think you know about insurance because it’s time to teach you how to use online quotes to lower your annual insurance bill.

Discounts to lower Jeep Patriot insurance rates

The cost of insuring your cars can be expensive, but there could be available discounts that many people don’t even know exist. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be specifically requested before being credited.

  • Life Insurance – Some companies give better rates if you take out life insurance from them.
  • Homeowners Savings – Owning a house can help you save on car insurance because owning a home shows financial diligence.
  • Sign Early and Save – Some companies give discounts for switching policies before your current expiration date. It can save you around 10%.
  • Driver’s Ed – Have your child take driver’s ed class if it’s offered in school.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • One Accident Forgiven – A few companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.
  • Government Employees – Simply working for the federal government can save as much as 8% on Patriot coverage depending on your company.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts of up to 25% or more.

Consumers should know that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way. But any discount will help reduce your overall premium however.

Companies that may offer these benefits may include but are not limited to:

Before buying, ask each insurance company what discounts are available to you. Savings may not apply everywhere.

Compare the Market for Insurance

Comparing insurance rates is a ton of work if you don’t understand the most efficient way to do it. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could save time and use the web to quickly compare rates.

Many popular insurance companies enroll in a system that enables customers to send in one quote, and every company can give them a price based on that data. This eliminates the need for form submissions to each individual insurance company.

To compare 2012 Jeep Patriot rates using this form now click here to open in new window.

One minor caviat to pricing coverage this way is you are unable to specify the insurers you want pricing from. So if you want to choose specific insurance companies to receive pricing from, we have assembled a list of low cost insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but be sure to compare apples-to-apples quote information with every price quote. If you are comparing different limits and deductibles on each one then you won’t be able to determine the lowest rate for your Jeep Patriot. Slightly different limits may cause a big price difference. And when price shopping your coverage, having more price comparisons will improve the odds of getting lower pricing.

Jeep Patriot rates are complex

It’s important that you understand the different types of things that go into determining the rates you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that could result in better auto insurance rates.

  • Poor credit can mean higher rates – Credit rating is a important factor in calculating your auto insurance rates. Consumers who have good credit tend to be less risk to insure as compared to drivers with lower ratings. Therefore, if your credit can use some improvement, you could be paying less to insure your 2012 Jeep Patriot by repairing your credit.
  • Liability coverage protects you – The liability section of your policy will protect you when a court rules you are at fault for personal injury or accident damage. It provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
  • Drive less and save money – Driving more miles each year the more you’ll pay to insure your vehicle. Almost all companies apply a rate based on how the vehicle is used. Vehicles left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your auto insurance coverage is rated on the proper vehicle usage, because it can save money. Incorrect usage on your Patriot can result in significantly higher rates.
  • Safer cars cost less to insure – Cars with high safety ratings can get you lower premiums. Safer cars have better occupant injury protection and fewer injuries means less money paid by your insurance company and thus lower rates. If your Jeep Patriot is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Traffic violations increase rates – Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Only having one citation can boost insurance rates twenty percent or more. Drivers who get severe violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Younger drivers pay higher rates – Mature drivers are more responsible, statistically cause fewer accidents and get fewer tickets. Teenage drivers tend to get distracted easily in a vehicle and because of this, their auto insurance rates are much higher.
  • High deductibles save money – Deductibles for physical damage represent how much money you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered could be colliding with a building, damage from fire, and burglary. The higher the amount the insured has to pay upfront, the bigger discount you will receive on Patriot coverage.

Tailor your coverage to you

When choosing proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that could help you determine if your insurance needs would benefit from an agent’s advice.

  • Why am I required to buy liability insurance?
  • Am I covered when using my vehicle for business?
  • Is my babysitter covered when using my vehicle?
  • Does coverage extend to Mexico or Canada?
  • Why am I required to get a high-risk car insurance policy?
  • What can I do if my company denied a claim?
  • Does my personal policy cover me when driving out-of-state?
  • If my pet gets injured in an accident are they covered?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Save 15 percent in 15 minutes? Is it for real?

Progressive, Allstate and Geico regularly use television and radio advertisements. All the companies make the same claim that you can save if you move to their company. How do they all claim to save you money? It’s all in the numbers.

Different companies can use profiling for the driver that earns them a profit. For example, a profitable customer could be over the age of 40, has no prior claims, and drives less than 10,000 miles a year. Any driver that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who do not match these standards must pay higher rates and ends up with the customer not buying. The ads say “people who switch” but not “drivers who get quotes” save that much. That is how companies can advertise the way they do.

This illustrates why it’s extremely important to get quotes from several different companies. It’s impossible to know which insurance companies will fit your personal profile best.

Car insurance coverage options for a Jeep Patriot

Having a good grasp of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverage types found on most car insurance policies.

Comprehensive protection

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, hitting a bird, rock chips in glass and falling objects. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Jeep Patriot.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as driving through your garage door, colliding with another moving vehicle, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Liability coverages

Liability coverage protects you from damage or injury you incur to other’s property or people. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like emergency aid, funeral expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like dental work, hospital visits, X-ray expenses, chiropractic care and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

A penny saved is a penny earned

Cost effective 2012 Jeep Patriot insurance can be found online as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

You just learned many ideas to get a better price on insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the best price on car insurance is with a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower rates than their larger competitors like Progressive or Geico.

More detailed car insurance information can be read at these sites: