Cheaper 2011 Jeep Patriot Insurance Rates

I can’t think of a single person who cherishes buying car insurance, especially knowing their premiums are too high.

Lots of car insurance companies contend for your business, and it can be difficult to compare rates to get the lowest rate

How to Compare Auto Insurance Rates

All the larger auto insurance companies such as State Farm, GEICO and Progressive provide pricing directly from their websites. Getting online rates doesn’t take much effort as you just type in the amount of coverage you want as detailed in the form. Once entered, their rating system orders credit information and your driving record and returns a price based on many factors. Online price quotes makes it a lot easier to compare rates but the work required to visit multiple sites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to compare as many rates as possible in order to get lower prices.

The easy way to compare rates

The preferred way to find better auto insurance pricing uses one form to get prices from several different companies. It’s a real time-saver, requires much less work on your part, and makes rate comparisons a lot less work. After sending your information, your coverage is rated and you can choose any of the resulting price quotes.

If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The entire process can be completed in a matter of minutes and you’ll know if lower rates are available.

To fill out one form to compare multiple rates now, simply click here to open in new window and fill out the form. If you currently have coverage, we recommend you duplicate deductibles and limits just like they are on your policy. Doing this assures you will have an apples-to-apples comparison for similar coverage.

The insurance coverage bait and switch

State Farm, GEICO and Progressive continually stream ads on TV and radio. All the companies have a common claim that you can save after switching your coverage to them. How can each company say the same thing? It’s all in the numbers.

Different companies have a preferred profile for the type of driver that is profitable for them. A good example of a driver they prefer might be profiled as between 25 and 40, has no tickets, and drives less than 7,500 miles a year. A customer who meets those qualifications receives the best rates and therefore will save quite a bit of money when switching.

Potential insureds who don’t qualify for the requirements will have to pay higher prices which usually ends up with business not being written. The ads say “customers who switch” not “people who quote” save that kind of money. That’s why companies can truthfully claim big savings.

Because of the profiling, it is so important to quote coverage with many companies. Because you never know the company that will have the lowest Jeep Patriot insurance rates.

Jeep Patriot insurance rates consist of many parts

Smart consumers have a good feel for some of the elements that go into determining car insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with lower car insurance prices.

  • High deductibles save money – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Jeep. Some examples of claims that would be covered are a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. The deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The higher the amount the insured has to pay upfront, the lower your rates will be on Patriot coverage.
  • Bundling policies can get discounts – The majority of car insurance companies provide better rates to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, you still need to comparison shop to verify if the discount is saving money. Consumers may find a better deal by buying car insurance from a different company.
  • High crash test scores lower rates – Safer cars tend to have better insurance rates. Safer cars protect occupants better and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If the Jeep Patriot is rated at least four stars on or an “acceptable” rating on you are probably receiving a discount.
  • Special features that cut premiums – Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
  • Your credit rating is important – A driver’s credit rating is a huge factor in determining what you pay for car insurance. People with good credit tend to be more responsible than those with lower credit ratings. If your credit rating can use some improvement, you could potentially save money when insuring your 2011 Jeep Patriot by improving your credit score.
  • Proper usage rating affects rates – The more miles you rack up on your Jeep in a year’s time the higher your rates will be. Almost all companies apply a rate based upon how you use the vehicle. Cars and trucks that are left in the garage qualify for better rates than vehicles that are driven to work every day. An improperly rated Patriot may be wasting your money. Verify your car insurance policy shows how each vehicle is driven.
  • Add-on coverages can add up – There are quite a few extra bells and whistles that can waste your money on your Patriot policy. Coverages for vanishing deductibles, accident forgiveness and motor club memberships are examples of these. These may sound like a good investment when talking to your agent, but if you don’t need them eliminate them to save money.
  • Younger drivers pay higher rates – Teenage drivers have a tendency to be less responsible behind the wheel so they pay higher car insurance rates. Adding a teenage driver onto a policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and receive fewer citations.

Discounts can save BIG

Insurance can cost an arm and a leg, buy you may qualify for discounts to help offset the cost. Most are applied at quote time, but lesser-known reductions have to be specifically requested prior to receiving the credit.

  • Life Insurance Discount – Larger companies have lower rates if you buy life insurance from them.
  • Discount for Swiching Early – Some companies give discounts for switching to them before your current expiration date. The savings is around 10%.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you may earn 10% to 20% off each policy.
  • Defensive Driving Course – Completing a defensive driving course could save 5% or more if your company offers it.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Student Driver Training – Have your child successfully complete driver’s ed class if offered at their school.
  • Clubs and Organizations – Belonging to a civic or occupational organization is a good way to get lower rates when shopping for car insurance on Patriot coverage.
  • Senior Discount – Older drivers may receive a small decrease in premiums on Patriot coverage.
  • Student in College – Children who are attending college and do not have a car may qualify for this discount.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Patriot coverage than their less cautious counterparts.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will help reduce your premiums.

Car insurance companies that may offer these money-saving discounts include:

Check with each company which discounts they offer. All car insurance discounts might not apply everywhere.

Will just any policy work for me?

When choosing the best car insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can aid in determining if your situation would benefit from professional advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Is pleasure use cheaper than using my 2011 Jeep Patriot to commute?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my 2011 Jeep Patriot covered for smoke damage?
  • What is an SR-22 filing?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Car insurance coverage specifics

Knowing the specifics of car insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from car insurance companies.

UM/UIM Coverage

This provides protection when the “other guys” do not carry enough liability coverage. Covered claims include 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 very important. Frequently these limits are set the same as your liablity limits.

Collision coverage protection

Collision coverage covers damage to your Patriot caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as damaging your car on a curb, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for surgery, chiropractic care, X-ray expenses, prosthetic devices and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Liability auto insurance

This can cover damage that occurs to a person or their property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like attorney fees, medical services and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, vandalism, hitting a bird and rock chips in glass. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

What is YOUR best insurance company?

Budget-conscious 2011 Jeep Patriot insurance can be found both online as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Throughout this article, we presented many ways to compare insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. You may even discover the lowest premiums are with a small mutual company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.

Additional auto insurance information is available below: