Locating better insurance prices for a new or used Jeep Patriot can be a lot of work, but you can learn these tips to save time. There are more efficient ways to find auto insurance online so you’re going to learn the best way to get price quotes for a Jeep and locate the lowest possible price from both online companies and local agents.
If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Locating the cheapest auto insurance is quite easy. Although consumers can benefit by having an understanding of the way insurance companies market insurance on the web because it can help you find the best coverage.
Companies offer discounts so take them!
Companies don’t always publicize every available discount in an easy-to-find place, so we took the time to find both the well known as well as the least known discounts you could be receiving.
- Save over 55 – Older drivers may qualify for better auto insurance rates on Patriot coverage.
- Life Insurance Discount – Some companies give better rates if you take out life insurance from them.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
- Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Patriot coverage depending on your company.
- Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Patriot coverage than drivers with accidents.
Consumers should know that many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.
For a list of companies with the best auto insurance discounts, click here to view.
Price shop online but buy from a local agent
Certain consumers prefer to get advice from a local agent. The best thing about price shopping on the web is the fact that you can find the lowest rates but also keep your business local.
Upon completion of this simple form, your coverage information is sent to insurance agents who will give you bids to get your business. You don’t have to leave your house due to the fact that quote results will go straight to your inbox. You can find better rates AND an agent nearby.
Picking an provider needs to be determined by more than just a cheap price. Some important questions to ask are:
- Are they full-time agents?
- Who are their largest clients?
- Will your rates increase after a single accident?
- How long has their agency been in business?
- Does the agency provide any after hours assistance?
- Does the company allow you to choose your own collision repair facility?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they assist clients in filing claims?
If you prefer to contact a specific insurance agent in your state, visit this site.
After getting reasonable responses to any questions you have and a good coverage price, it’s possible that you found an insurance company that meets your needs to properly insure your vehicles. But remember, consumers can cancel coverage for any reason so never assume you are locked into any specific agency with no way to switch.
Beware of misleading auto insurance ads
Auto insurance providers like Progressive, Allstate and GEICO regularly use ads on TV and radio. They all make the same claim that you can save if you move your policy. How does each company claim to save you money? This is how they do it.
All the different companies are able to cherry pick for the driver that is profitable for them. An example of a preferred risk could be over the age of 40, insures multiple vehicles, and has great credit. A propective insured who meets those qualifications will get the preferred rates and as a result will probably save when they switch companies.
Consumers who do not match this ideal profile will have to pay higher prices and this can result in business going elsewhere. Company advertisements say “customers who switch” not “everyone that quotes” save that much. That is how insurance companies can advertise the way they do. Because of the profiling, you should get quotes from several different companies. It’s not possible to predict which insurance companies will have the lowest rates.
Auto insurance specifics
Understanding the coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance reimburse you for bills for prosthetic devices, ambulance fees, EMT expenses and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.
Auto collision coverage
This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like rolling your car, scraping a guard rail, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.
Comprehensive insurance
Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like damage from a tornado or hurricane, theft, fire damage, hitting a bird and damage from getting keyed. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability
Liability coverage will cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.
Liability coverage protects against claims like repair bills for other people’s vehicles, bail bonds, repair costs for stationary objects and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.
More comparisons equals lower rates
People who switch companies do it for a number of reasons such as policy non-renewal, high prices, lack of trust in their agent and being labeled a high risk driver. Regardless of your reason for switching companies, finding the right auto insurance provider is easier than you think.
Cost effective Jeep Patriot insurance is attainable on the web in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. A few companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.
In this article, we covered a lot of tips how to reduce Jeep Patriot insurance prices online. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the lowest priced auto insurance comes from some of the smallest insurance companies.
