2014 Jeep Patriot Insurance Quotes

Drivers have lots of choices when trying to find affordable Jeep Patriot insurance. They can either waste time contacting agents getting price quotes or save time using the internet to find the lowest rates.

There is a better way to compare car insurance rates and you need to know the quickest way to quote coverages for your Jeep and locate the best price possible from local insurance agents and online providers.

It’s important to shop coverage around occasionally since rates are rarely the same from one policy term to another. Just because you had the best deal for Patriot insurance two years ago a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the tricks you need to know to buy cheaper car insurance.

Jeep Patriot rates are in the details

Consumers need to have an understanding of the factors that help determine auto insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that could result in better auto insurance rates.

The following are a partial list of the pieces companies use to determine premiums.

  • Rates may be lower depending on your job – Did you know your occupation can influence how much you pay for auto insurance? Occupations like lawyers, architects and stock brokers have the highest rates in part from high stress and lots of time spent at work. On the other hand, professions such as scientists, students and homemakers get better rates for Patriot insurance.
  • Do you need the policy add-ons? – There are many extra coverages that you can get tricked into buying if you aren’t careful. Coverages like roadside assistance, accidental death and additional equipment coverage are examples of these. They may seem like a good idea at first, but now you might not need them so get rid of them and save.
  • Low deductibles can be expensive – Deductibles for physical damage define the amount you are willing to pay before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The more money you’re willing to pay, the less your company will charge you for insurance for Patriot insurance.
  • Claim-free discounts can add up – If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Companies provide better rates to drivers who do not rely on their insurance for small claims. Car insurance is intended for the large, substantial claims.

Car Insurance Comparison Rates

All the larger car insurance companies allow you to get coverage price quotes online. Getting quotes doesn’t take much effort as you simply enter your required coverages as requested by the quote form. Behind the scenes, the system will obtain your driving record and credit report and quotes a price.

Online quotes helps simplify price comparisons, but having to visit multiple sites and type in the same information can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible in order to find a lower rate.

The quickest way to locate the lowest prices uses one form that obtains quotes from a lot of companies. This type of form saves time, helps eliminate reptitive entry, and makes quoting online a lot less work. As soon as you send your information, it is rated and you can choose any or none of the resulting price quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. It can be completed in less than 10 minutes and may save quite a bit of money.

To find out how much you’re overpaying now, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you duplicate deductibles and limits just like they are on your policy. This ensures you will have a rate comparison based on the exact same insurance coverage.

Insurance ads bend the truth

Consumers get pounded daily by advertisements that promise big savings from the likes of State Farm, GEICO and Progressive. They all have a common claim of big savings if you switch your coverage to them.

How do they all make almost identical claims? It’s all in the numbers.

All the different companies have a preferred profile for the type of driver that earns them a profit. For example, a driver they prefer could possibly be between the ages of 40 and 55, a clean driving record, and has great credit. Any driver who matches those parameters is entitled to the best price and as a result will probably save when they switch companies.

Consumers who fall outside this ideal profile must pay more money and this can result in business not being written. Company advertisements say “people who switch” but not “drivers who get quotes” save money. That is how insurance companies can advertise the savings.

This illustrates why drivers must get as many quotes as possible. It’s impossible to know which company will fit your personal profile best.

Discounts mean cheaper 2014 Jeep Patriot insurance rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help bring down the price. Most are applied when you complete an application, but a few must be asked for prior to receiving the credit. If you’re not getting every credit possible, you’re paying more than you need to.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Save over 55 – Older drivers may qualify for reduced rates for Patriot insurance.
  • Life Insurance – Some companies give lower rates if you buy life insurance from them.
  • Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiration. It can save you around 10%.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Resident Student – Kids in college who are attending college and do not have a car can receive lower rates.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could cut 5% off your bill if your company offers it.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like you could get a free insurance policy, you’re out of luck. Any qualifying discounts will reduce your overall premium however.

To see a list of insurers who offer insurance discounts, click here to view.

Tailor your coverage to you

When buying coverage, there is no single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that might point out whether you will benefit from professional help.

  • Is my babysitter covered when using my vehicle?
  • Do I pay less for low miles?
  • Does car insurance cover theft of personal property?
  • Does my 2014 Jeep Patriot qualify for pleasure use?
  • Is my Jeep Patriot covered if I use it for business?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does having multiple vehicles earn me a discount?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverages for a Jeep Patriot

Understanding the coverages of insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision protection

Collision coverage pays for damage to your Patriot from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a ditch, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, rock chips in glass, a broken windshield and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Jeep Patriot.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for hospital visits, dental work, ambulance fees and prosthetic devices. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Auto liability

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

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like emergency aid, court costs, structural damage and legal defense fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Don’t throw your cash in the trash

The cheapest 2014 Jeep Patriot insurance is available both online in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not provide you the ability to get quotes online and these small, regional companies work with independent agents.

Consumers who switch companies do it for a number of reasons such as policy cancellation, being labeled a high risk driver, unfair underwriting practices and even delays in responding to claim requests. No matter why you want to switch, finding a great new company is actually quite simple.

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, an insured cut physical damage coverage only to regret at claim time they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford while still protecting your assets.

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