View 2012 Jeep Patriot Car Insurance Quotes

Trying to find the cheapest insurance rates for your Jeep Patriot? Sick and tired of paying out the nose each month for insurance? You have the same problem as the majority of other consumers. Numerous auto insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to find the absolute lowest rate

If you have a current car insurance policy or are shopping for new coverage, you will benefit by learning to find better prices and possibly find even better coverage. Finding the best rates is not rocket science. Drivers just need to learn the best way to find the lowest price over the internet.

How to lower your insurance cost

Lowering your 2012 Jeep Patriot insurance rates isn’t really that difficult. The only requirement is to spend a few minutes comparing rate quotes from different insurance companies. Rate comparisons can be done by following the guidelines below.

The easiest and least time consuming way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This easy form eliminates the need for repetitive form entry for each company. Completing one form gets you price quotes direct from many companies.

A more difficult way to shop for insurance online consists of visiting each individual company website and fill out their own quote form. For sake of this example, we’ll assume you want to view quotes from Nationwide, GEICO and Travelers. To do that, you would have to spend time on each company’s site and repeatedly enter your information, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.

Whichever way you use, make sure you are using the exact same coverage information with every price quote. If the quotes have different data you can’t possibly find the best deal for your Jeep Patriot.

Discounts for lower-cost insurance rates

Car insurance can cost a lot, but you might be missing out on some discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but some must be requested specifically in order for you to get them.

  • Passenger Safety Discount – Factory air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Pay Now and Pay Less – By paying your entire bill at once rather than paying monthly you may have a lower total premium amount.
  • Discount for New Cars – Putting insurance on a new car may earn a small discount because newer models keep occupants safer.
  • Telematics Data Discounts – Insureds that choose to allow driving data submission to track their driving habits by using a telematic data system such as Progressive’s Snapshot could see a rate decrease as long as the data is positive.
  • Student Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
  • Distant College Student Discount – College-age children who attend college more than 100 miles from home and do not take a car to college could qualify for this discount.
  • Accident Forgiveness Coverage – This one isn’t a discount, but a handful of insurance companies will forgive one accident before your rates go up if you have no claims prior to the accident.
  • Club Memberships – Affiliation with certain professional organizations can get you a small discount on your policy.
  • E-sign – Some of the larger companies will give you a small discount simply for signing on their website.

Just know that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will reduce the cost of coverage.

If you would like to choose from a list of companies that offer discounts, click here to view.

Tailor your car insurance coverage to you

When buying coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions can aid in determining if you may require specific advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • What is the rate difference between pleasure use and commuting?
  • Do I need special endorsements for business use of my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Can I afford low physical damage deductibles?
  • 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, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Insurance coverage basics

Learning about specific coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

Collision insurance

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, sideswiping another vehicle, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability coverages

Liability insurance protects you from injuries or damage you cause to other’s property or people that is your fault. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like repair bills for other people’s vehicles, attorney fees, structural damage, emergency aid and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from flooding, hitting a bird, fire damage, theft and damage from a tornado or hurricane. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills for things like rehabilitation expenses, EMT expenses, dental work, nursing services and funeral costs. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.