2011 Jeep Patriot Insurance Quotes – 6 Savings Tips

Trying to find lower auto insurance rates for your Jeep Patriot? Have you fallen victim to an underperforming, overpriced auto insurance policy? You’re in good company because many consumers feel financially strained by their auto insurance policy.

Big-name insurance companies like State Farm, Progressive and GEICO persitently shower you with advertising and consumers find it hard to separate fact from fiction and effectively compare rates to find the best deal.

You need to do price comparisons as often as possible because auto insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest premium rates on Patriot coverage last year you can probably find a better price now. You’ll find quite a bit of inaccurate information about auto insurance online, but in a few minutes you can learn some great ideas on how to save money.

Where can I get affordable auto insurance?

Shopping for lower auto insurance rates is a ton of work if you don’t utilize the fastest way to get free quotes. You could spend your day discussing policy coverages with agents in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

All the larger companies participate in an industry program where prospective buyers only type in their quote data once, and at least one company can give them a price. This saves time by eliminating form submissions for each company you want a rate for.

To participate in this free quote system, click here (opens in new window).

The only downside to doing it this way is you can’t choose the providers you will receive quotes from. If you prefer to choose individual companies to receive pricing from, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make sure you are using equivalent coverage information for each comparison quote. If you use different limits and deductibles on each one it’s not possible to get a fair rate comparison. Just a small difference in insurance coverages could skew the results. And when price shopping your coverage, making a lot of price comparisons increases your odds of finding more affordable rates.

Insurance can get complicated

When it comes to buying the best insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.

  • Will my insurance pay for OEM parts?
  • Do I need more liability coverage?
  • What can I do if my company denied a claim?
  • What is the rate difference between pleasure use and commuting?
  • Do I really need UM/UIM coverage?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverages and their meanings

Having a good grasp of your policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most auto insurance policies.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses such as EMT expenses, hospital visits and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your 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

Auto liability insurance

This provides protection from damages or injuries you inflict on other’s property or people that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as structural damage, funeral expenses, attorney fees and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto insurance

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 pays for things like a broken windshield, fire damage and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

This pays for damage to your Patriot caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Jeep Patriot.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.