2007 Jeep Patriot Car Insurance Rates

Locating affordable auto insurance over the internet is rather difficult for consumers who are beginners to quoting and price shopping on the web. Since there are so many online companies, how are consumers able to have the ability to compare the different rates to find the lowest price?

How to get auto insurance price quotes

To find the best auto insurance rates, there are several ways to obtain and compare prices from many available auto insurance companies in your state. The best way to do a complete rate comparison is to get quotes online. This can be done using a couple different methods.

• If you are pressed for time, the simplest way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This form prevents you from having to do separate quotation requests for every prospective company. A single, simple form gets you coverage quotes from several companies. Recommended for those who want to invest the least amount of time.
• A more difficult way to find lower rates requires visiting each company website and fill out a new quote form. For sake of this example, let’s assume you want to compare prices for Liberty Mutual, Progressive and Travelers. You would have to go to each individual site to input your insurance information, and that’s why the first method is more popular.

  For a handy list of car insurance company links in your area, click here.

• The old school method to price shop rates is to spend time driving to insurance agencies in your area. Comparing online rate quotes has made agencies unnecessary unless you prefer the trained guidance that only a licensed agent can provide. Drivers can get prices online but buy the policy through an agent.

Take whichever approach you prefer, but make absolute certain that you use apples-to-apples coverages for every quote you compare. If the quotes have differing limits it will be very difficult to make a fair comparison for your Jeep Patriot. Just a small difference in coverages could skew the results. And when comparison shopping, comparing a wide range of rates increases your odds of finding a better price. Not every company does prices over the internet, so you also need to get prices on coverage from those companies, too.

Do you qualify for discounts?

Some companies don’t necessarily list all possible discounts in an easy-to-find place, so we break down some of the best known and the more hidden credits that you can use to lower your rates.

• Air Bag Discount – Options like air bags may get savings of 25 to 30%.
• Multi-policy Discount – When you combine your auto and homeowners insurance with one insurance company you may save 10% to 20% off each policy.
• Paperless Signup – Some of the larger companies give back up to $50 shop insurance coverage on their website.
• Professional Memberships – Belonging to a civic or occupational organization is a good way to get lower rates when shopping for car insurance.
• Government Employee Discount – Having worked for a branch of the government may qualify for a discount when you quote insurance coverage for Patriot insurance with select insurance companies.

We need to note that most of the big mark downs will not be given the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, it’s just not the way it works.

Larger car insurance companies and a partial list of their discounts can be found below.

• American Family may include discounts for early bird, good student, TimeAway discount, defensive driver, multi-vehicle, bundled insurance, and Steer into Savings.
• State Farm discounts include passive restraint, good student, anti-theft, driver’s education, defensive driving training, and student away at school.
• 21st Century offers discounts including homeowners, defensive driver, driver training, student driver, good student, air bags, and automatic seat belts.
• Travelers offers premium reductions for good student, hybrid/electric vehicle, save driver, IntelliDrive, home ownership, and multi-policy.
• Geico has savings for daytime running lights, military active duty, multi-vehicle, driver training, anti-theft, and emergency military deployment.

Double check with every company to apply every possible discount. Depending on the company, some discounts might not apply in your area.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.

• Does medical payments coverage apply to all occupants?
• When should I drop full coverage on my 2007 Jeep Patriot?
• Are rock chip repairs covered?
• Can I afford to buy a different vehicle if my 2007 Jeep Patriot is totaled?
• What is the ISO rating for a 2007 Jeep Patriot?
• How much liability coverage do I need in my state?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance coverage specifics

Learning about specific coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverage – Collision coverage covers damage to your Patriot resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as damaging your car on a curb, sustaining damage from a pot hole, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for expenses for dental work, chiropractic care and surgery. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Liability – This protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like medical services, repair bills for other people’s vehicles, legal defense fees and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as vandalism, hitting a deer, a tree branch falling on your vehicle, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Jeep Patriot.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.