Save on 2014 Jeep Patriot Insurance Rates

Looking for better insurance coverage rates? Shoppers have a choice when shopping for the best price on Jeep Patriot insurance. They can either spend hours struggling with agents to compare prices or use the internet to make rate comparisons.

There are more efficient ways to find insurance coverage online and we’ll show you the best way to get price quotes for a new or used Jeep and find the lowest price from both online companies and local agents.

Consumers need to compare rates every six months because insurance rates are rarely the same from one policy term to another. If you had the lowest rates on Patriot insurance a year ago you can probably find a lower rate today. There is a lot of bad information regarding insurance coverage online, so I’m going to show you some great ideas on how to reduce your insurance coverage bill.

Don’t miss out on these money-saving discounts

Insuring your fleet can be pricey, but companies offer discounts that can drop the cost substantially. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be asked for before you get the savings. If you don’t get every credit possible, you are throwing money away.

  • Homeowners Pay Less – Owning a house may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • New Vehicle Savings – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Safety Course Discount – Successfully completing a course in driver safety could save 5% or more if you qualify.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on Patriot insurance with certain companies.
  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Claim Free – Drivers who don’t have accidents can earn big discounts when compared to frequent claim filers.
  • Multiple Cars – Having all your vehicles on the same car insurance policy can get a discount on all vehicles.

Drivers should understand that most discounts do not apply the the whole policy. Most only reduce the cost of specific coverages such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will bring down your overall premium however.

A partial list of companies who might offer these discounts are:

Check with all companies you are considering how you can save money. Discounts may not apply in your area.

Do I need special coverages?

When it comes to choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Every situation is different.

These are some specific questions might help in determining if your situation may require specific advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Do I have coverage for damage caused while driving under the influence?
  • How can I get my company to pay me more for my totalled car?
  • Why do I need rental car insurance?
  • Am I missing any policy discounts?
  • What is PIP insurance?
  • How much liability do I need to cover my assets?
  • Is my custom paint covered by insurance?
  • Why am I required to buy high-risk coverage?
  • If my 2014 Jeep Patriot is totaled, can I afford another vehicle?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

The fine print in insurance ads

Drivers can’t get away from ads for car insurance savings from companies such as Progressive, Allstate and GEICO. They all seem to make an identical promise of big savings if you change your policy.

How does each company say the same thing? It’s all in the numbers.

Insurance companies have a preferred profile for the type of customer that makes them money. A good example of a preferred risk could possibly be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. A propective insured who fits that profile is entitled to the best price and most likely will cut their rates substantially.

Potential insureds who do not match the “perfect” profile will be quoted higher prices which leads to business not being written. The ad wording is “people who switch” but not “drivers who get quotes” save that much. That’s why companies can truthfully advertise the savings.

This emphasizes why you absolutely need to get as many comparisons as possible. It is impossible to predict which insurance companies will fit your personal profile best.

Car insurance 101

Knowing the specifics of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like sideswiping another vehicle, hitting a mailbox, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, damage from a tornado or hurricane, rock chips in glass and hitting a bird. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses for rehabilitation expenses, EMT expenses, nursing services and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

Liability insurance provides protection from damage that occurs to other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: 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 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like legal defense fees, court costs, repair costs for stationary objects, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Don’t throw your cash in the trash

Cheap 2014 Jeep Patriot insurance is attainable online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

In this article, we presented many ideas to save on insurance. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. You may even discover the best prices are with a smaller regional carrier.

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There have been many situations where someone dropped liability limits or collision coverage only to discover later that they should have had better coverage. The ultimate goal is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Additional auto insurance information can be found on the following sites: