2013 Jeep Patriot Insurance Quotes

Having to pay for overpriced insurance coverage can dwindle your bank account and put the squeeze on your family’s finances. Comparing rates annually can help to make sure you’re not throwing money away.

Due to the large number of different company options, it’s difficult to pick the lowest cost company.

It’s a great practice to take a look at other company’s rates quite often since insurance prices fluctuate regularly. Even if you got the lowest price for Patriot insurance a year ago a different company probably has better rates today. There is a lot of bad advice regarding insurance coverage online but I’m going to show you some of the best techniques to stop overpaying for insurance.

Components of your Jeep Patriot insurance premiums

Many things are used when quoting car insurance. Most are fairly basic such as your driving history, but other criteria are more transparent such as whether you are married or how safe your car is.

Listed below are some of the items companies use to determine premiums.

  • File a insurance coverage claims and pay more – If you tend to file frequent claims, you shouldn’t be surprised to get higher premiums or even policy non-renewal. Car insurance companies generally give lower rates to insureds who only file infrequent claims. Auto insurance is intended for claims that you cannot pay yourself.
  • Vehicles with better crash test results are cheaper to insure – Cars with five star safety ratings tend to be cheaper to insure. Highly rated vehicles help reduce the chance of injuries in an accident and any reduction in injury severity translates into savings for insurance companies and thus lower rates.
  • Your employer may affect rates – Did you know your career choice can influence rates? Careers like judges, business owners and financial analysts tend to pay higher average rates because of intense work requirements and incredibly demanding work hours. Other careers such as professors, engineers and retirees receive lower rates for Patriot insurance.
  • Bundle policies to earn discounts – Some insurance coverage companies allow discounts to insureds that purchase more than one policy, otherwise known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you qualify for this discount already, it’s still a good idea to get quotes from other companies to confirm you are receiving the best rates possible. Consumers may find lower rates by splitting coverages up.
  • Continuous coverage saves money – Driving your car without having proper coverage can get you a ticket and as a result your rates will increase for letting your insurance coverage expire. Not only will you pay higher rates, being ticketed for driving with no insurance could result in fines and jail time.
  • Pleasure use saves money – The more miles you rack up on your Jeep each year the higher your rates will be. Most insurance companies rate vehicles determined by how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your declarations sheet is rated on how each vehicle is driven, because it can save money. A policy that improperly rates your Patriot may be costing you.
  • Driving citations will cost you – Whether or not you get tickets influences premium rates substantially. Drivers who don’t get tickets pay less for auto insurance than their less careful counterparts. Having just one chargable violation can bump up the cost to the point where it’s not affordable. Drivers who have serious tickets such as hit and run, DWI or reckless driving convictions may find that they have to to file a SR-22 with their state in order to legally drive a vehicle.
  • Do you need those add-on coverages? – Insurance policies have a lot of additional extra coverages that can waste your money if you aren’t careful. Things like personal injury protection, high-cost glass coverage, and motor club memberships are examples of these. You may think they are a good idea when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.

Drivers can save with these premium-slashing discounts

Companies that sell car insurance don’t list their entire list of discounts very well, so the list below gives a summary of some of the best known and also the lesser-known credits that may apply to you.

  • Theft Deterent – Anti-theft and alarm system equipped vehicles are less likely to be stolen and that can save you a little bit as well.
  • Payment Method – If you can afford to pay the entire bill as opposed to paying monthly you may have a lower total premium amount.
  • Resident Student – Children living away from home attending college and won’t have access to an insured vehicle could get you a discount.
  • Save with More Vehicles Insured – Having more than one vehicle on one policy qualifies for this discount.
  • Life Insurance Discount – Select insurance companies reward you with better prices if you take out auto and life insurance together.
  • Student Driver Training – It’s a good idea to have your young drivers take driver’s ed class in school.

Don’t be shocked that many deductions do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. Despite the fact that it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

Popular car insurance companies and some of the discounts can be read below.

  • Geico has savings for multi-vehicle, federal employee, air bags, anti-lock brakes, daytime running lights, and membership and employees.
  • SAFECO policyholders can earn discounts including homeowner, accident prevention training, safe driver, bundle discounts, multi-car, teen safe driver, and drive less.
  • State Farm may include discounts for student away at school, multiple autos, passive restraint, good driver, driver’s education, multiple policy, and defensive driving training.
  • MetLife includes discounts for claim-free, good driver, good student, defensive driver, and multi-policy.
  • 21st Century may offer discounts for student driver, defensive driver, anti-lock brakes, theft prevention, 55 and older, good student, and teen driver.
  • Progressive has discounts for online signing, multi-vehicle, continuous coverage, multi-policy, homeowner, and good student.

Double check with every insurance company to give you their best rates. All car insurance discounts may not apply to policyholders in your area. To locate insurance companies who offer free car insurance quotes, click here to view.

Insurance advertising tricks

Allstate, Geico and Progressive consistently run television, radio, and online ads. All the ads advertise claims about savings just by moving your coverage to them. How do they all have lower policy pricing? This is the trick they use.

Companies have specific characteristics for the type of driver that is profitable for them. One example of a driver they prefer could be over the age of 35, insures multiple vehicles, and the vehicle is rated for pleasure use. Anyone who fits that profile will qualify for the lowest car insurance rates and have a good chance to save when they switch companies.

Potential customers who fall outside these criteria will probably be forced to pay a more expensive rate which results in business not being written. If you pay attention, the ads say “people who switch” not “everyone that quotes” will save that much if they switch. This is how insurance companies can confidently make claims like that. This really illustrates why it is so important to compare rate quotes every year. It is just not possible to predict which insurance coverage company will fit you best based on your risk profile.

Do I need special coverages?

When buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions might point out if your insurance needs could use an agent’s help.

  • Does medical payments coverage apply to all occupants?
  • What is no-fault insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Exactly who is provided coverage by my policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Why am I required to buy liability insurance?
  • Am I covered when pulling a rental trailer?
  • When can my company non-renew my policy?
  • Should I carry comprehensive and collision coverage?
  • Am I covered by my spouse’s policy after a separation?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance coverage specifics

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. 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, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision protection

This coverage covers damage to your Patriot caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a building, colliding with another moving vehicle, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as funeral costs, nursing services and dental work. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, hitting a deer and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability coverage can cover damage that occurs to other people or property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as repair bills for other people’s vehicles, funeral expenses, loss of income and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Be Smart and Buy Smart

Cheaper 2013 Jeep Patriot insurance can be sourced from both online companies and from local agencies, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies may not provide rates over the internet and most of the time these regional carriers prefer to sell through independent insurance agents.

When searching for affordable insurance quotes, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. Your goal is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

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