Lower Your 2009 Jeep Patriot Insurance Quotes

Looking for better insurance coverage rates for your Jeep Patriot? Searching for lower-cost insurance coverage online may seem to be rather challenging for consumers who are beginners to quoting and shopping for insurance on the web. With dozens of online companies, how can you even start to compare every one to find lower insurance coverage premiums?

This article will teach you the best way to quote coverages and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Although vehicle owners do need to know how companies sell insurance online and apply this information to your search.

Cheaper rates with these discounts

Companies that sell car insurance do not advertise the entire discount list very clearly, so the following list contains both the well known as well as some of the hidden savings tricks you should be using when you buy insurance coverage online. If you do not check that you are getting every discount possible, you’re paying more than you need to.

  • Resident Student – Kids who live away from home at college and do not have access to a covered vehicle could qualify for this discount.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can avoid accidents so companies give up to a 10% discount.
  • Membership in Organizations – Having an affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums on car insurance.
  • More Vehicles More Savings – Insuring multiple cars with one company can get a discount for every vehicle.
  • Discount for Multiple Policies – When you have multiple policies and insure them both with the same insurance company you will save as much as 10 to 15 percent.
  • Safety Course Discount – Taking time to complete a driver safety course may get you a small discount if your company offers it.
  • Military Discounts – Being on active duty in the military could qualify you for better premium rates.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more on Patriot insurance compared to accident prone drivers.
  • Good Student – This discount could provide a savings of up to 20% or more. The good student discount can last up until you turn 25.
  • Discounts for Federal Employees – Having worked for a branch of the government could provide a small rate reduction on Patriot insurance depending on your company.

Remember that most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will help reduce your car insurance premiums.

Large car insurance companies and a partial list of their discounts are detailed below.

  • The Hartford offers discounts for driver training, vehicle fuel type, bundle, good student, and anti-theft.
  • American Family has discounts for early bird, air bags, multi-vehicle, mySafetyValet, TimeAway discount, accident-free, and good student.
  • Progressive may have discounts that include online signing, homeowner, continuous coverage, multi-policy, and online quote discount.
  • Travelers may include discounts for payment discounts, save driver, multi-policy, new car, and early quote.
  • Farmers Insurance may offer discounts for bundle discounts, mature driver, distant student, pay in full, teen driver, alternative fuel, and early shopping.
  • USAA discounts include good student, safe driver, annual mileage, vehicle storage, and loyalty savings.
  • Liberty Mutual offers premium reductions for new vehicle discount, good student, newly married, multi-policy, and preferred payment discount.

Check with each company what discounts are available to you. All car insurance discounts might not be available to policyholders in your area. If you would like to choose from a list of insurance companies that offer some of these discounts, follow this link.

Insurance coverage quotes comparison

Many insurance companies give prices for coverage from their websites. This process is easy for anyone because it’s just a matter of typing in the coverages you want as detailed in the form. Once entered, the quote system automatically orders information on your driving record and credit history and quotes a price.

This makes it a lot easier to compare rates but the time required to go to several different sites and complete many quote forms can be a bit repetitive. But it’s very important to do this if you are searching for the best price on insurance coverage.

The quickest way to locate the lowest prices is to use a quote form that obtains quotes from a bunch of companies at once. The form is fast, reduces the work, and makes online shopping a lot less work. Once the form is submitted, your coverage is rated and you can choose any one of the resulting price quotes.

If you find a better price you can click and sign and buy the policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.

If you want to get comparison pricing now, click here to open in a new tab and input your coverage information. If you have coverage now, it’s recommended you type in coverages and limits identical to your current policy. This ensures you will be getting rate quotes based on identical coverages.

Car insurance can be complex

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

These are some specific questions might help in determining if your insurance needs may require specific advice.

  • If my pet gets injured in an accident are they covered?
  • Will my insurance pay for OEM parts?
  • When does my teenage driver need to be added to my policy?
  • Am I covered if I break a side mirror?
  • What is covered by UM/UIM coverage?
  • Is my 2009 Jeep Patriot covered for smoke damage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Parts of your auto insurance policy

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, hitting a deer, falling objects and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage pay for expenses for things like funeral costs, EMT expenses, prosthetic devices and surgery. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability coverage protects you from damage that occurs to other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like legal defense fees, pain and suffering, medical expenses, structural damage and medical services. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like backing into a parked car, sideswiping another vehicle, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are identical to your policy’s liability coverage.

More comparisons equals lower rates

More affordable car insurance can be sourced on the web and from local agencies, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide internet price quotes and these regional insurance providers only sell coverage through independent agents.

As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. In many instances, consumers will sacrifice liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.

Insureds leave their current company for a variety of reasons including unfair underwriting practices, being labeled a high risk driver, lack of trust in their agent and delays in responding to claim requests. Regardless of your reason, finding a new company is easier than you think.

Additional car insurance information can be found on the following sites: