2010 Jeep Patriot Car Insurance Quotes

Looking for lower car insurance rates for your Jeep Patriot? Have you fallen victim to overpriced car insurance? Believe me, many consumers feel financially strained by their car insurance policy. With so many companies and agents to choose from, it is very difficult to locate the right car insurance company.

You should make it a habit to take a look at other company’s rates once or twice a year since rates change regularly. Just because you found the best rates on Patriot coverage a couple years back there may be better deals available now. Starting now, forget all the misinformation about car insurance because you’re going to get a crash course in how to use online quotes to lower your annual insurance bill.

Choosing the best insurance company for you is not rocket science. If you are insured now or are just looking to switch companies, you can use these techniques to shop for the lowest rates and still get good coverage. Drivers just need to learn the tricks to shop online.

Take discounts and save

Companies offering auto insurance don’t always list every discount very well, so we took the time to find some of the more common and the more hidden ways to save on insurance. If you don’t get every credit available, you are paying more than you should be.

  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • 55 and Retired – If you’re over the age of 55, you may be able to get better insurance rates on Patriot coverage.
  • Paperwork-free – Certain companies give back up to $50 just for signing your application over the internet.
  • Discount for Life Insurance – Larger companies have a discount if you purchase life insurance.
  • Multi-policy Discount – When you have multiple policies with the same company you may earn 10% to 20% off each policy.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Patriot coverage than drivers with accident claims.

Keep in mind that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, insurance companies aren’t that generous.

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

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts may not apply in your state.

Which policy gives me the best coverage?

When buying proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your insurance needs might need an agent’s assistance.

  • Is business property covered if stolen from my car?
  • Which is better, split liability limits or combined limits?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • When can I cancel my policy?
  • Is a fancy paint job covered?
  • Is my dog or cat covered if injured in an accident?
  • Should I file a claim if it’s only slightly more than my deductible?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.

Coverages available on your policy

Understanding the coverages of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Listed below are the normal coverages found on the average car insurance policy.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for bills for funeral costs, prosthetic devices, chiropractic care, rehabilitation expenses and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage – This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, a broken windshield, theft, hail damage and hitting a bird. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability – This coverage will cover damage that occurs to people or other property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t 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. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like funeral expenses, structural damage and pain and suffering. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2010 Jeep Patriot.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Final thoughts

In this article, we covered a lot of ways to get a better price on 2010 Jeep Patriot insurance. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the best prices are with a small local company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

Cheap insurance can be bought from both online companies in addition to many insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not provide online quoting and these small, regional companies work with independent agents.

When you buy insurance online, don’t be tempted to reduce coverage to reduce premium. In many instances, an accident victim reduced collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Additional detailed information can be read in these articles: