2014 Jeep Patriot Car Insurance Cost – 5 Tips for Best Prices

Looking for lower insurance coverage rates for your Jeep Patriot? Do you think you bought high-priced insurance coverage? It’s quite common and many drivers have buyer’s remorse. Many auto insurance companies vie for your business, so it’s not easy to compare every company and uncover the absolute lowest rate

If you are insured now or are just looking to switch companies, you can learn to find the best rates and possibly find even better coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to understand the proper methods to compare rates online.

Five discounts for lower-cost auto insurance rates

Auto insurance is expensive, but there could be significant discounts that you may not even know about. Some of these disounts will be visible at quote time, but a few need to be asked for prior to getting the savings.

  • Policy Bundle Discount – If you can bundle your auto and homeowners insurance and insure them with the same company you could save over 10 percent off each policy depending on the company.
  • Multi-Vehicle Discounts – Insuring multiple vehicles with the same auto insurance company can get a discount on all vehicles.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of up to 25% or more.
  • Telematics Data – Drivers who elect to allow their auto insurance company to spy on where and when they drive by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they show good driving skills.
  • Theft Deterent Discount – Cars with anti-theft systems are stolen less frequently and will qualify for a discount on a insurance coverage quote.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. Just because you may think you can get free auto insurance, you’re out of luck.

Larger auto insurance companies and their offered discounts can be found below.

  • State Farm policyholders can earn discounts including anti-theft, defensive driving training, good driver, multiple autos, and Drive Safe & Save.
  • American Family offers premium reductions for TimeAway discount, accident-free, Steer into Savings, good driver, multi-vehicle, early bird, and defensive driver.
  • Geico may include discounts for anti-lock brakes, defensive driver, federal employee, driver training, anti-theft, military active duty, and good student.
  • 21st Century has savings for air bags, automatic seat belts, homeowners, 55 and older, good student, anti-lock brakes, and teen driver.
  • Progressive offers discounts including multi-vehicle, good student, online quote discount, online signing, homeowner, and multi-policy.

It’s a good idea to ask all companies you are considering which discounts they offer. Some discounts listed above may not apply to policyholders in every state. To find companies that offer discounts, follow this link.

Tailor your car insurance coverage to you

When buying the best car insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your situation may require specific advice.

  • Do I need rental car coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Do I pay less if my vehicle is kept in my garage?
  • Can my teen driver be rated on a liability-only vehicle?
  • What discounts do I qualify for?
  • Who is covered by my policy?
  • How do I buy GAP insurance?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

The coverage is in the details

Knowing the specifics of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages found on the average insurance policy.

Collision coverage protection

This coverage will pay to fix damage to your Patriot from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, sustaining damage from a pot hole, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2014 Jeep Patriot.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability

This coverage can cover damage that occurs to other people or property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as attorney fees, repair bills for other people’s vehicles and funeral expenses. 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.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like prosthetic devices, nursing services, funeral costs, pain medications and dental work. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive protection

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 insurance covers claims such as theft, damage from a tornado or hurricane, rock chips in glass and fire damage. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

And the best car insurance company is…

Some insurance companies do not provide the ability to get quotes online and these regional insurance providers work with independent agents. Lower-priced insurance coverage can be found both online as well as from independent agents, so compare prices from both in order to have the best chance of saving money.

We just showed you many tips how you can compare 2014 Jeep Patriot insurance rates online. The key concept to understand is the more you quote insurance coverage, the more likely it is that you will get a better rate. Drivers may discover the best rates are with the smaller companies. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

When getting insurance coverage quotes online, it’s a bad idea to reduce coverage to reduce premium. In many instances, an insured cut liability coverage limits only to find out that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

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