Compare 2016 Jeep Patriot Insurance Rates

Trying to find the cheapest insurance for your Jeep Patriot can normally be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to find insurance coverage online and you need to know the absolute fastest way to price shop coverage on a Jeep and find the lowest possible price either online or from local insurance agents.

How to buy car insurance online

Finding cheaper car insurance prices doesn’t have to be difficult. All that’s required is to take time to compare free insurance quotes online with multiple companies. It’s super easy and can be done using one of these methods.

The most efficient way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This quick form eliminates the need for multiple quote forms for each price estimate. One form submission gets prices estimates from several companies. This is by far the quickest method.

A more time consuming way to analyze rates is to manually visit each company’s website and fill out a new quote form. For sake of this example, we’ll assume you want to get rates from USAA, State Farm and Progressive. To do that, you would have to spend time going to each site individually and repeatedly enter your information, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.

The final way to find cheaper rates is to drive around to different agent offices. Quoting online eliminates the need for an insurance agent unless you have a complicated situation and need the professional abilities that you can only get from talking to an agent. It is possible to comparison shop your insurance online but have a local agent actually write the policy.

How you compare quotes is your choice, just make absolute certain that you use exactly the same quote data on every quote. If the quotes have different limits and deductibles on each one then you won’t be able to make an equal comparison.

Learn how to lower your insurance rates

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that go into determining auto insurance rates. If you know what determines base rates, this allows you to make good choices that will entitle you to much lower annual insurance costs. Many things are used when quoting car insurance. Some of the criteria are obvious like your driving record, although some other factors are not as apparent such as your marital status or your vehicle rating.

The factors shown below are some of the things companies use to determine your prices.

  • Accidents can increase costs – A bad driving record has a big impact on rates. Having just one moving violation may cause rates to rise twenty percent or more. Careful drivers receive lower rates than their less careful counterparts. Drivers unfortunate enough to have flagrant violations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state’s licensing department in order to legally drive a vehicle.
  • You might pay more if you are single – Getting married actually saves money when shopping for auto insurance. It may mean you are more financially stable and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
  • Low credit rating equals high premiums – Having a bad credit history will be a significant factor in determining what you pay for auto insurance. Insureds with very high credit ratings tend to be less risk to insure than those with poor credit scores. Therefore, if your credit score leaves room for improvement, you could save money insuring your 2016 Jeep Patriot by improving your rating.
  • Pay less with a high IIHS safety rating – Cars with high safety ratings can get you lower premiums. The safest vehicles protect occupants better and fewer serious injuries translates directly to fewer claims which can mean better rates for you. If the Jeep Patriot scored better than four stars on Safercar.gov it is probably cheaper to insure.

Auto insurance companies offer money-saving discounts

Auto insurance is not inexpensive, but you may find discounts that may help make it more affordable. A few discounts will automatically apply when you quote, but some must be asked for before being credited. If you don’t get every credit you qualify for, you are just wasting money.

  • Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control have fewer accidents and the ABS can save up to 10%.
  • Mature Driver Discount – Drivers that qualify as senior citizens can get a slight reduction on a insurance quote on Patriot insurance.
  • Service Members Pay Less – Having a family member in the military may lower your prices slightly.
  • Claim Free – Drivers who stay claim-free pay much less as opposed to accident-prone drivers.
  • Membership in Organizations – Belonging to a qualifying organization can get you a small discount when shopping for auto insurance.
  • Early Renewal Discounts – A few companies offer discounts for buying a new policy before your current expiration date. It could save around 10% when you buy insurance online.
  • Cautious Drivers – Insureds without accidents may receive a discount up to 45% on Patriot insurance compared to rates paid by drivers with frequent claims.
  • Low Mileage Discounts – Low mileage vehicles could qualify for lower auto insurancerates on the low mileage vehicles.

We need to note that most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will help reduce the cost of your policy.

For a list of insurance companies with the best discounts, click here.

Do I just need basic coverages?

When choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

These are some specific questions can aid in determining if your insurance needs may require specific advice.

  • When should my teen driver be added to my policy?
  • How does medical payments coverage work?
  • Am I covered if I crash into my own garage door?
  • Do I need higher collision deductibles?
  • Can I get a multi-policy discount?
  • Am I missing any policy discounts?
  • When would I need additional glass coverage?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Insurance coverage breakdown

Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage – This coverage pays for damage to your Patriot 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 pays for things such as crashing into a ditch, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverage – Comprehensive insurance covers 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 things like damage from flooding, hail damage, hitting a deer and vandalism. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Jeep Patriot.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for immediate expenses for things like rehabilitation expenses, EMT expenses, hospital visits and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability auto insurance – Liability coverage protects you from damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like emergency aid, repair bills for other people’s vehicles, medical services, medical expenses and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

A penny earned…

In this article, we covered some good ideas how you can reduce 2016 Jeep Patriot insurance prices online. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers may even find the best price on auto insurance is with an unexpected company.

Insureds change insurance companies for a variety of reasons including extreme rates for teen drivers, high prices, high rates after DUI convictions and even poor customer service. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There have been many situations where an accident victim reduced full coverage only to discover later 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, but don’t skip important coverages to save money.

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