How Much Does 2015 Jeep Patriot Insurance Cost?

Trying to find cheaper car insurance rates for your Jeep Patriot? I can’t think of anyone who likes paying for car insurance, especially knowing the price is too high.

There are many insurance companies to insure vehicles with, and although it’s nice to have a selection, it makes it harder to find the lowest cost provider.

Insurance Prices

There are a lot of ways to compare insurance prices but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day driving to agents in your area, or you could use online quotes to get rates in a matter of minutes.

Most of the best insurance companies belong to an insurance system that enables customers to send in one quote, and at least one company can provide price quotes based on that information. This saves time by eliminating repetitive form submissions to each company.

To compare pricing click here to open in new window.

The one downside to pricing coverage this way is you can’t choose which companies you will receive quotes from. So if you want to select specific insurance companies for rate comparison, we put together a list of insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but compare identical coverages with each company. If each company quotes different values for each quote you will not be able to determine the lowest rate for your Jeep Patriot. Just a small difference in limits may result in a large different in cost. Keep in mind that obtaining a wide range of quotes will enable you to find better pricing.

These discounts can slash insurance coverage rates

Car insurance companies do not advertise all their discounts very clearly, so we researched both well-publicized and the more hidden ways to save on insurance coverage.

  • Multiple Vehicles – Insuring multiple vehicles on the same insurance coverage policy could earn a price break for each car.
  • Safety Course Discount – Taking a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiring. It can save you around 10%.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may save up to 20% off your total premium.
  • Resident Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Paperless Signup – A few companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Low Mileage Discounts – Fewer annual miles on your Jeep can earn a substantially lower rate.
  • Use Seat Belts – Requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • New Car Discount – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. So when it seems like you can get free auto insurance, companies don’t profit that way.

Car insurance companies that may have some of the above discounts are:

Double check with each insurance company how you can save money. Some discounts may not be available in your state.

When might I need the advice of an agent?

When it comes to choosing coverage, there really is no one size fits all plan. Every situation is different so this has to be addressed. For instance, these questions might point out whether or not you could use an agent’s help.

  • Do I have coverage if my license is suspended?
  • Does coverage extend to my business vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What companies insure drivers after a DUI or DWI?
  • Why am I required to get a high-risk car insurance policy?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Insurance policy specifics

Knowing the specifics of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages available from insurance companies.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, damage from getting keyed, theft, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Jeep Patriot.

Due to the fact that many 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.

Auto liability insurance

Liability coverage can cover injuries or damage you cause to people or other property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as structural damage, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP pay for expenses for chiropractic care, X-ray expenses and rehabilitation expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This pays for damage to your Patriot from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a parking meter, rolling your car and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.