Cheap 2015 Jeep Patriot Car Insurance Cost

Are you kicking yourself for buying an underperforming, overpriced car insurance policy? It’s a common feeling and many consumers are in the same pinch.

Lots of insurers contend for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the best rate

Consumers should take time to shop coverage around on a regular basis because car insurance prices tend to go up over time. Even if you got the best deal for Patriot insurance two years ago you can probably find a lower rate today. There is a lot of bad advice regarding car insurance out there, but in a few minutes you can learn some good information on how to reduce your car insurance bill.

Lower your insurance costs

Lots of factors are taken into consideration when you quote your car insurance policy. Some are obvious such as your driving history, but other factors are less apparent such as your credit history or your financial responsibility.

  • Premiums increase with driving tickets – Drivers who don’t get tickets receive lower rates compared to bad drivers. Having just one speeding ticket can boost insurance rates substantially. Drivers unfortunate enough to have careless citations such as reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to legally drive a vehicle.
  • Your car’s features help determine insurance rates – Choosing to buy a car with a theft deterrent system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • Men are more aggressive – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean females are better drivers. Women and men have at-fault accidents in similar numbers, but guys tend to have higher claims. They also get higher numbers of serious violations like DWI (DUI) or reckless driving.
  • Safer cars cost less to insure – Vehicles with high crash test scores tend to have lower insurance rates. The safest vehicles reduce occupant injuries and lower rates of occupant injuries means your insurance company pays less which can result in lower premiums.
  • Only buy what you need – Insurance companies have many additional extra coverages that may not really be needed if you aren’t careful. Add-on coverages like rental car coverage, towing coverage, and additional equipment coverage are some examples. They may seem like a good idea when talking to your agent, but your money might be better spent on other coverage so get rid of them and save.
  • Always have insurance – Going without insurance can be a guaranteed way to drive up your policy premiums. And not only will insurance be more expensive, getting caught without coverage may result in a steep fine or even jail time.

Do you qualify for discount auto insurance?

Insurance can be prohibitively expensive, but you can get discounts to help bring down the price. Many discounts should be triggered when you complete an application, but once in a while a discount must be asked about before you will receive the discount.

  • Multi-policy Discount – If you have multiple policies and insure them both with the same insurance company you may earn as much as 10 to 15 percent.
  • Air Bags and Passive Restraints – Options like air bags may get savings of 25 to 30%.
  • Distant Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Theft Deterent Discount – Cars optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Telematics Data – People who choose to allow their company to monitor vehicle usage by using a telematic data system like Allstate’s Drivewise could possibly reduce rates if they show good driving skills.
  • Employee of Federal Government – Employees or retirees of the government could qualify for a slight premium decrease for Patriot insurance depending on your auto insurance provider.
  • Discount for Swiching Early – Some companies reward drivers for buying a new policy prior to the expiration date on your current policy. It can save you around 10%.

A little disclaimer on discounts, most credits do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts should definitely cut your policy premiums.

The best auto insurance companies and a summarized list of policyholder discounts include:

  • State Farm may offer discounts for multiple policy, Steer Clear safe driver discount, Drive Safe & Save, passive restraint, good driver, and driver’s education.
  • Liberty Mutual may have discounts that include hybrid vehicle, multi-policy, new vehicle discount, new graduate, exclusive group savings, and new move discount.
  • American Family offers premium reductions for good student, good driver, mySafetyValet, TimeAway discount, defensive driver, and multi-vehicle.
  • Progressive discounts include continuous coverage, multi-policy, online signing, multi-vehicle, good student, homeowner, and online quote discount.
  • Farmers Insurance has savings for switch companies, multi-car, early shopping, distant student, alternative fuel, and homeowner.
  • Auto-Owners Insurance offers discounts for good student, paperless, anti-theft, mature driver, multiple vehicles, company car, and air bags.
  • SAFECO policyholders can earn discounts including multi-car, safe driver, homeowner, teen safe driver, accident prevention training, and drive less.

It’s a good idea to ask each company which discounts you qualify for. Some discounts might not be offered in your area. To see auto insurance companies that offer the discounts shown above, click here to view.

Ads can be misleading

Well-known insurance coverage companies like Progressive, Allstate and GEICO endlessly run television and radio advertisements. All the companies state the claim that people will save if you change your policy. How does every insurance coverage company offer drivers better rates?

All the different companies require specific criteria for the type of driver that earns them a profit. For instance, a desirable insured might be described as a married female, has no prior claims, and drives less than 5,000 miles a year. A propective insured who matches that profile will get a cheap rate quote and is almost guaranteed to save when switching.

Potential insureds who may not quite match the ideal profile must pay higher prices and this can result in the customer not buying. The ad wording is “drivers that switch” but not “everyone who gets a quote” save that much. That is how insurance companies can confidently claim big savings.

This really illustrates why you really should get insurance quotes from several different companies. It is just not possible to predict which insurance coverage company will have the lowest rate quotes.

What insurance coverages do I need?

When buying the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might point out whether you might need an agent’s assistance.

  • What is the ISO rating for a 2015 Jeep Patriot?
  • Will my insurance pay for OEM parts?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What can I do if my company denied a claim?
  • What is covered by UM/UIM coverage?
  • Does medical payments coverage apply to all occupants?
  • What is medical payments coverage?
  • Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Coverages available on your policy

Understanding the coverages of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Collision – Collision coverage covers damage to your Patriot resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, colliding with another moving vehicle, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for bills like ambulance fees, nursing services, rehabilitation expenses and prosthetic devices. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as theft, a broken windshield, hitting a deer and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages – Liability coverage protects you from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims such as pain and suffering, legal defense fees, attorney fees, structural damage and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Final considerations

As you quote insurance, you should never buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped collision coverage and found out when filing a claim that it was a big mistake. The proper strategy is to purchase plenty of coverage at a price you can afford.

Lower-priced car insurance can be found from both online companies in addition to many insurance agents, so you need to shop insurance with both so you have a total pricing picture. Some insurance companies don’t offer rates over the internet and most of the time these smaller providers only sell coverage through independent insurance agents.

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