2012 Jeep Patriot Insurance Rates

Looking for lower auto insurance rates for your Jeep Patriot? Did budget coverage turn out to be an underperforming, overpriced auto insurance policy? Don’t sweat it because many consumers are in the same pinch.

Drivers have so many car insurance companies to buy insurance from, and even though it’s nice to have a selection, having more insurers makes it harder to find the best rates.

Finding the best rates is easy if you know what you’re doing. If you have car insurance now, you stand a good chance to be able to save some money using these techniques. Although consumers do need to know how the larger insurance companies compete online because it can help you find the best coverage.

Compare quotes for insurance coverage

To find cheaper insurance quotes, there are several ways of comparing price quotes from companies that offer insurance coverage in your state. The best method to compare 2012 Jeep Patriot insurance prices is to jump online and get quotes. It is quite easy and can be accomplished in a couple minutes as outlined below.

  • The fastest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do multiple quote forms for each company you want a rate for. One form will return price quotes from insurance coverage companies with the best prices.
  • Another way to shop for insurance coverage online is to manually visit each individual company website and fill out a new quote form. For sake of this example, we’ll assume you want to compare prices for Liberty Mutual, Esurance and Travelers. To get rate quotes you would need to spend time going to each site individually to enter your coverage information, which can take a lot of time.

    For a list of links to companies insuring cars in your area, click here.

Whichever way you choose to compare rates, try to keep the exact same coverages and limits for each quote you get. If your comparisons have different liability limits then you won’t be able to make a fair comparison for your Jeep Patriot. Having just a slight variation in coverages could mean much higher rates. Just keep in mind that getting more free quotes will improve the odds of getting a lower rate than you’re paying now. Some insurance companies are not set up to provide online price quotes, so you also need to get prices from the smaller companies as well.

Take advantage of these money-saving discounts

Some insurers don’t always advertise the entire discount list very well, so here is a list both well-publicized in addition to some of the lesser obvious credits that may apply to you.

  • Multi-car Discount – Buying insurance for primary and secondary vehicles on a single policy can reduce rates for all insured vehicles.
  • Student Discount for Driver Training – Require your teen driver to enroll in driver’s education in school.
  • Resident Student – College-age children who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt can save up to 15% on the premium charged for medical payments and/or PIP.
  • Military Discounts – Being on active deployment in the military could be rewarded with lower premium rates.

Discounts reduce rates, but you should keep in mind that most credits do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck.

Car insurance companies that may include most of these discounts possibly include:

When getting free insurance quotes, it’s a good idea to each company or agent which discounts can lower your rates. Some discounts may not be offered in every state. To see providers with significant discounts, click here to view.

Do I need special coverages?

When it comes to buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For instance, these questions may help highlight if you would benefit from an agent’s advice.

  • Am I covered if I wreck a rental car?
  • Am I covered when pulling a rental trailer?
  • How can I find cheaper teen driver insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does my insurance cover my expensive audio equipment?
  • What if I total my 2012 Jeep Patriot and owe more than it’s worth?
  • Does coverage extend to Mexico or Canada?
  • Why am I required to get a high-risk car insurance policy?
  • Can my babysitter drive my car?
  • What if I don’t agree with a claim settlement offer?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Detailed coverages of your car insurance policy

Learning about specific coverages of car insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages offered by car insurance companies.

Uninsured and underinsured coverage – This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Jeep Patriot.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage – Collision insurance covers damage to your Patriot caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like scraping a guard rail, colliding with another moving vehicle, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive coverages – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, rock chips in glass, hail damage, falling objects and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability car insurance – Liability coverage can cover damage that occurs to a person or their property by causing an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like medical services, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like surgery, nursing services and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Do the work, save more money

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice collision coverage to discover at claim time that it was a big error on their part. Your aim should be to purchase plenty of coverage for the lowest cost.

Some auto insurance companies may not offer rate quotes online and most of the time these regional insurance providers only sell through independent insurance agencies. Budget-conscious 2012 Jeep Patriot insurance is available both online and from local insurance agents, and you should compare price quotes from both to get a complete price analysis.

Additional auto insurance information can be read at the links below