2011 Jeep Patriot Insurance Cost – 7 Tips for Best Prices

Drivers have many options when trying to find the lowest priced Jeep Patriot insurance. They can either waste time driving around to compare prices or utilize the internet to find the lowest rates.

There are both good and bad ways to find auto insurance online and you need to know the absolute fastest way to quote coverages for your Jeep and obtain the best price possible either online or from local insurance agents.

It’s a good habit to price shop coverage periodically because rates are adjusted regularly by insurance companies. Even if you think you had the best rate on Patriot coverage a couple years back you may be paying too much now. Forget anything you know (or think you know) about auto insurance because it’s time to teach you one of the quickest ways to find lower rates on auto insurance.

Lower your auto insurance rates with these seven discounts

Companies don’t always publicize their entire list of discounts in an easy-to-find place, so we took the time to find some of the best known and the more hidden credits that you can use to lower your rates. If you are not receiving all the discounts available, you could be getting lower rates.

  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up could save 15% off the personal injury premium cost.
  • Defensive Driver – Participating in a defensive driving course could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Policy Bundle Discount – When you have multiple policies with the same insurance company you could save over 10 percent off each policy depending on the company.
  • Clubs and Organizations – Belonging to a professional or civic organization could qualify you for a break when shopping for auto insurance.
  • Accident Free – Claim-free drivers are rewarded with significantly better rates on insurance quote compared to bad drivers.
  • Pay Early and Save – If you pay your entire premium ahead of time rather than paying monthly you can avoid the installment charge.
  • Multi-line Discount – Larger insurance companies have a discount if you purchase a life policy as well.

It’s important to understand that some credits don’t apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, you’re out of luck.

To find auto insurance companies with significant discounts, follow this link.

You are unique and your insurance coverage should be too

When it comes to choosing the right insurance coverage for your vehicles, there is no one size fits all plan. Every insured’s situation is different.

These are some specific questions may help highlight whether you might need an agent’s assistance.

  • Why do I need rental car insurance?
  • Is my nanny covered when driving my vehicle?
  • What is high-risk coverage and where do I buy it?
  • Am I covered if my car is in a flood?
  • Do I have coverage if my license is suspended?
  • Does my insurance cover a custom paint job?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • When would I need additional glass coverage?
  • Do I benefit by insuring my home with the same company?
  • Does insurance cover tools stolen from my truck?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

What auto insurance coverages do you need?

Learning about specific coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for expenses such as EMT expenses, doctor visits, funeral costs and pain medications. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, damage from getting keyed, damage from a tornado or hurricane and fire damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Jeep Patriot.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability car insurance

This can cover injuries or damage you cause to other people or property in an accident. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like medical expenses, repair costs for stationary objects, court costs and structural damage. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, damaging your car on a curb, crashing into a ditch and colliding with a tree. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Shop. Compare. Save.

Consumers who switch companies do it for any number of reasons including delays in responding to claim requests, policy cancellation, high prices or even extreme rates for teen drivers. Whatever your reason, switching car insurance companies can be less work than you think.

Throughout this article, we presented many ideas to save on 2011 Jeep Patriot insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a lesser-known regional company.

While you’re price shopping online, never buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced physical damage coverage only to regret that it was a big error on their part. The ultimate goal is to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.

Helpful learning opportunities