2017 Jeep Patriot Insurance Rates – 10 Tricks for Best Quotes

No one looks forward to paying for insurance, especially knowing they could get a better deal. Companies like Geico, 21st Century and Progressive all claim big savings, bombarding you with ads and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

How to compare free car insurance rate quotes

There are multiple methods you can shop for car insurance and some are less labor-intensive and much quicker. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you could save time and use the web to quickly compare rates.

Most major companies take part in a program that allows shoppers to send in one quote, and at least one company then returns a price quote. This system prevents you from having to do quotation requests for every car insurance company.

To use this form to compare rates click to open in new window.

One minor caviat to doing it this way is you are unable to specify the companies to receive prices from. So if you want to choose specific insurance companies to compare, we put together a list of low cost car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just be certain you are entering equivalent coverage limits for every company. If each company quotes different coverage information it will be very difficult to make a fair comparison for your Jeep Patriot.

Insurance policy discounts

Car insurance is not cheap, but you may be missing some discounts that many consumers don’t even know exist. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be specially asked for before you will receive the discount. If you do not double check each discount you qualify for, you could be paying more than you need to.

  • Clubs and Organizations – Joining a civic or occupational organization could qualify you for a break on your next insurance statement.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Multiple Policy Discount – If you have multiple policies and insure them with the same company you may save as much as 10 to 15 percent.
  • Drive Safe and Save – Insureds who avoid accidents can get discounts for up to 45% lower rates on Patriot insurance than less cautious drivers.
  • Senior Discount – Drivers over the age of 55 are able to get better insurance rates on Patriot insurance.
  • Claim-Free Discount – Drivers with accident-free driving histories can earn big discounts compared to accident-prone drivers.
  • No Charge for an Accident – This isn’t a discount exactly, but a few companies such as Geico, Progressive, and Allstate will turn a blind eye to one accident before they charge you more for coverage so long as you are claim-free before the accident.
  • Distant Student Discount – Any of your kids who live away from home at college and don’t have a car can receive lower rates.
  • Active Military Service – Being on active duty in the military could trigger a small discount.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and can earn a small discount on your policy.

Please keep in mind that most discount credits are not given to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. So even though you would think you would end up receiving a 100% discount, that’s just not realistic.

Larger insurance companies and some of the premium reductions they offer can be found below.

  • State Farm has savings for multiple autos, accident-free, multiple policy, Steer Clear safe driver discount, and passive restraint.
  • Geico policyholders can earn discounts including military active duty, seat belt use, daytime running lights, multi-vehicle, defensive driver, and federal employee.
  • Progressive may include discounts for multi-vehicle, multi-policy, continuous coverage, online quote discount, and homeowner.
  • 21st Century offers discounts for anti-lock brakes, theft prevention, automatic seat belts, 55 and older, defensive driver, good student, and early bird.
  • American Family has discounts for air bags, TimeAway discount, good student, defensive driver, and multi-vehicle.
  • The Hartford offers premium reductions for good student, air bag, driver training, bundle, defensive driver, vehicle fuel type, and anti-theft.
  • AAA includes discounts for good driver, education and occupation, AAA membership discount, pay-in-full, good student, multi-car, and multi-policy.

Double check with each company or agent to apply every possible discount. A few discounts might not be offered in your area. If you would like to view providers with significant discounts, follow this link.

How do I know if I need professional advice?

When it comes to choosing coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different so this has to be addressed. For example, these questions can aid in determining whether or not you might need an agent’s assistance.

  • When should I remove comp and collision on my 2017 Jeep Patriot?
  • Does my 2017 Jeep Patriot need full coverage?
  • Which is better, split liability limits or combined limits?
  • How do I insure my teen driver?
  • How much can I save by bundling my policies?
  • Is pleasure use cheaper than using my 2017 Jeep Patriot to commute?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I get collision insurance on every vehicle?
  • How does medical payments coverage work?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Educate yourself about insurance coverages

Having a good grasp of insurance aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on most insurance policies.

Medical costs insurance

Med pay and PIP coverage pay for expenses such as chiropractic care, ambulance fees, EMT expenses, surgery and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

Liability insurance provides protection from damage that occurs to people or other property. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits 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 limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for things such as bail bonds, emergency aid and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, hail damage and rock chips in glass. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, sideswiping another vehicle, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Have the Midas touch

As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped liability limits or collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at the best possible price.

Discount 2017 Jeep Patriot insurance is attainable on the web as well as from insurance agents, and you should compare rates from both to get a complete price analysis. There are still a few companies who do not offer price quotes online and many times these small insurance companies prefer to sell through independent agencies.

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