2009 Jeep Patriot Insurance Rates

Looking for better auto insurance rates for your Jeep Patriot? Shopping for cheaper auto insurance can seem to be overwhelming for price shopping online. With more and more companies competing online, how can drivers have the ability to compare them all to find the cheapest rates?

You need to compare premium rates periodically since insurance prices tend to go up over time. Despite the fact that you may have had the lowest price for Patriot coverage a couple years back you may be paying too much now. Ignore everything you know about auto insurance because we’re going to show you one of the best ways to remove unneeded coverages and save money.

If you have car insurance now, you will most likely be able to save some money using this strategy. Buying the lowest cost car insurance coverage can be fairly easy. But drivers do need to know the methods companies use to price insurance differently and use this information to your advantage.

The quickest method we recommend to compare rate quotes is to know most larger insurance companies have advanced systems to quote your coverage. All you need to do is give them rating details like if you require a SR-22, what you do for a living, level of coverage desired, and if you have an active license. Your information is then submitted to insurance carriers in your area and you will receive price estimates quickly.

To get price quotes for your Jeep Patriot now, click here and complete the form.

Save $455 a year? Really?

Big name companies like 21st Century, Allstate and State Farm constantly bombard you with television, radio, and online ads. All the companies advertise claims that you can save if you change to their company. But how can every company save you money? Here is the trick they use.

Different companies have strict underwriting profiles for the type of driver that will most likely be profitable. For example, a desirable insured might have to be between the ages of 40 and 55, has a clear driving record, and drives less than 5,000 miles a year. Any driver who matches those parameters receives the best car insurance rates and most likely will save quite a bit of money when switching.

Drivers who do not fit the requirements will probably be forced to pay higher premium rates and ends up with the driver buying from a lower-cost company. If you listen closely, the ads state “people that switch” not “everyone who quotes” can get the lowest rates when switching. This is how insurance companies can make those statements.

Because of these techniques, it’s extremely important to do a quote comparison often. It’s just not possible to know which company will give you the biggest savings.

The Jeep Patriot insurance premium equation

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that play a part in calculating your policy premiums. If you understand what impacts premium levels, this helps enable you to make changes that may reward you with lower auto insurance prices. Multiple criteria are considered when premium rates are determined. Some factors are common sense such as your driving record, although some other factors are not quite as obvious such as your marital status and annual miles driven.

The items below are most of the major factors companies use to determine your premiums.

  • Don’t cut corners with liability insurance – Liability insurance will provide protection if ever a jury decides you are liable for damages from an accident. It provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Your credit score is important – A driver’s credit rating is a large factor in your rate calculation. If your credit rating is low, you could pay less to insure your 2009 Jeep Patriot by repairing your credit. Drivers who have high credit scores tend to be more responsible and file fewer claims than drivers with poor credit scores.
  • Small coverages can add up – Insurance companies have many extra bells and whistles that sound like a good idea at the time if you aren’t careful. Add-on coverages like vanishing deductibles, high-cost glass coverage, and extra life insurance coverage are probably not needed. They may seem like a good idea when you first buy your policy, but if you don’t need them remove them from your policy.
  • Accidents mean higher prices – Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Having a single driving citation may increase your cost by as much as twenty percent. Drivers who have license-revoking citations such as DUI or willful reckless driving may need to submit a SR-22 form with their state in order to legally drive a vehicle.
  • Job and insurance rates – Do you have a high-stress occupation? Jobs such as military personnel, social workers and miners tend to have higher rates than average because of intense work requirements and lengthy work days. On the flip side, occupations such as professors, athletes and retirees have lower than average premiums for Patriot coverage.
  • Prevent your car from being stolen – Selecting a car model with anti-theft technology or alarm system can save you some money. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent car theft and help bring rates down.

Lower rates by qualifying for discounts

Car insurance companies do not advertise all disounts in a way that’s easy to find, so here is a list both well-publicized as well as some of the hidden credits available to bring down your rates.

  • Include Life Insurance and Save – Some insurance companies give a break if you buy life insurance.
  • Driver Safety – Successfully completing a driver safety course could save 5% or more if your company offers it.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • New Vehicle Savings – Buying a new car model is cheaper because newer models have to meet stringent safety requirements.
  • Discounts for Good Drivers – Drivers without accidents can get discounts for up to 45% lower rates for Patriot coverage compared to accident prone drivers.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

To view insurers with the best discounts, click here to view.

Insurance is unique, just like you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different.

For example, these questions could help you determine if you may require specific advice.

  • Is my cargo covered for damage or theft?
  • When do I need to add a new car to my policy?
  • Who is covered when they drive my 2009 Jeep Patriot?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is medical payments coverage?
  • When can my company non-renew my policy?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverages

Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Coverage for liability

Liability insurance can cover injuries or damage you cause to other’s property or people. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as bail bonds, court costs, loss of income and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverage

Comprehensive insurance will pay to fix 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 pays for claims such as hail damage, damage from a tornado or hurricane, falling objects and vandalism. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills for EMT expenses, pain medications, doctor visits and prosthetic devices. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage covers damage to your Patriot caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, colliding with a tree, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Jeep Patriot.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Best coverage at the best price

When you buy insurance online, it’s not a good idea to reduce coverage to reduce premium. In too many instances, someone dropped full coverage only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.

You just read some good ideas how to save on 2009 Jeep Patriot insurance. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. You may even discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

People change insurance companies for any number of reasons including poor customer service, policy non-renewal, unfair underwriting practices and even policy cancellation. It doesn’t matter why you want to switch switching companies can be easier than you think.

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