Lower Your 2017 Jeep Patriot Insurance Cost

I really doubt anyone looks forward to buying car insurance, in particular when their premiums are through the roof.

Big-name insurance companies like State Farm, Farmers Insurance, Geico and Allstate persitently shower you with ads and it is difficult to avoid their marketing magic and do the work needed to find the best deal.

More discounts mean cheap premiums

Companies that sell car insurance don’t always advertise every available discount very well, so the following is a list of both the well known in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online.

• Homeowners Savings – Owning a house may trigger a policy discount on insurance coverage since owning and maintaining a home requires a higher level of personal finance.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 15% off PIP or medical payments premium.
• Renewal Discounts – A few insurance coverage companies give discounts for switching to them before your current expiration date. It can save you around 10%.
• Senior Discount – Drivers over the age of 55 can get better insurance coverage rates on Patriot insurance.
• Paperwork-free – Certain insurance companies will give you a small discount for buying a policy and signing up on your computer.
• ABS Braking Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
• Include Life Insurance and Save – If the company offers life insurance, you could get lower premium rates if you buy life insurance from them.
• Multiple Cars – Insuring primary and secondary vehicles on one policy could earn a price break for each car.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.

Large insurance coverage companies and their offered discounts include:

• State Farm may include discounts for defensive driving training, Steer Clear safe driver discount, safe vehicle, good driver, student away at school, multiple policy, and driver’s education.
• Geico may have discounts that include multi-vehicle, daytime running lights, anti-theft, air bags, emergency military deployment, and five-year accident-free.
• SAFECO has discounts for accident prevention training, teen safe driver, safe driver, teen safety rewards, multi-car, and drive less.
• Farmers Insurance includes discounts for good student, teen driver, switch companies, multi-car, and business and professional.
• AAA discounts include multi-car, education and occupation, AAA membership discount, anti-theft, good driver, and good student.
• USAA policyholders can earn discounts including multi-policy, military installation, safe driver, family discount, loyalty savings, and driver training.

It’s a good idea to ask every insurance company which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in your area.

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Affordable auto insurance quotes online

The majority of larger companies such as State Farm, Geico and Progressive allow consumers to get pricing from their websites. Doing online price comparisons doesn’t take a lot of time as you just enter your personal and coverage information into the quote form. When the form is submitted, their quoting system makes automated requests for your driving record and credit report and generates a price. This streamlines rate comparisons, but the time it takes to visit a lot of sites and type in the same information can be a bit repetitive. But it is imperative to have as many quotes as possible if you are searching for the lowest possible prices on auto insurance.

The easiest way to lower your auto insurance bill uses one simple form that gets price quotes from many companies. It’s a real time-saver, requires much less work on your part, and makes online shopping a little more enjoyable. Immediately after you send the form, your coverage is rated and you can choose any or none of the returned quotes.

If the quotes result in lower rates, you can simply submit the application and buy the policy. The entire process can be completed in less than 10 minutes and you’ll know if lower rates are available.

If you want to find out if lower rates are available, click here to open in a new tab and submit the form. If you have coverage now, it’s recommended you type in the limits and deductibles exactly as they are listed on your policy. This ensures you will receive rate quotes for the exact same coverage.

Smart buyers can save money

Many different elements are taken into consideration when you get your auto insurance bill. Most are fairly basic like your driving record, but some are more transparent such as your credit history or your financial responsibility.When buying insurance it’s important to understand some of the things that play a part in calculating the price you pay for insurance. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you cheaper rates.

• Low credit rating equals high premiums – An insured’s credit history can be a huge factor in calculating your premium rate. If your credit history could use some work, you could potentially save money when insuring your 2017 Jeep Patriot if you improve your credit rating. People with high credit ratings tend to be more responsible and file fewer claims than those with poor credit.
• Annual miles is a factor – The more you drive your Jeep in a year the more it will cost to insure it. Most companies calculate prices based upon how much you drive. Cars and trucks that are left in the garage get more affordable rates than cars that get driven a lot. Ask your agent if your insurance coverage properly reflects the correct usage, because improper ratings can cost you money. Improper usage on your Patriot can cost quite a bit.
• Liability risk factors in – Your insurance policy’s liability coverage will afford coverage if you are determined to be liable for personal injury or accident damage. It will provide legal defense coverage which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
• High deductibles cost less – Protection for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your Jeep. Examples of some claims that would be covered could be collision with another vehicle, damage caused by hail, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend if a claim is determined to be covered. The more the insured is willing to pay, the better rate you will receive on Patriot insurance.
• An active policy claims history can cost you – Insurance companies award the lowest premiums to insureds who do not file claims often. If you file a lot of claims you can look forward to increased rates or even have your policy non-renewed. Your car insurance is meant to be used in the event of the large, substantial claims.
• Poor driving leads to higher prices – How you drive has a huge affect on how much you pay. Careful drivers pay less for auto insurance than people who have multiple driving citations. Getting just one speeding ticket may increase your cost by twenty percent. Drivers who have gotten serious violations such as DUI, reckless driving or excessive speeding might be required by their state to maintain a SR-22 with the DMV in their state in order to legally drive a vehicle.
• Women pay lower costs – The statistics show that females tend to be a little less risky than males. It does not mean women are better drivers. Both sexes are responsible for fender benders at about the same rate, but guys get into accidents with more damage. In addition to higher claims, males also receive more costly citations like DWI (DUI) or reckless driving. Youthful male drivers cause the most accidents and thus pay the highest rates.

It’s not one size fits all

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different so your insurance should reflect that For example, these questions could help you determine if you will benefit from professional help.

• Do I need more liability coverage?
• What is the ISO rating for a 2017 Jeep Patriot?
• Is a fancy paint job covered?
• What should my uninsured motorist coverage limits be in my state?
• Am I insured when driving a different vehicle?
• Where can I find high-risk insurance?
• Is my nanny covered when driving my vehicle?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

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Switch companies and save? Really?

Big name companies like State Farm, Geico and Progressive consistently run ads in print and on television. They all seem to try to convey promises that you’ll save big if you move your coverage. But how can every company lower your car insurance rates? This is how they do it.

Insurance companies give the best rates for the type of driver that will generate a profit. For example, this type of insured might be a female over age 40, has never had a claim, and drives less than 5,000 miles a year. Any person that fits those parameters gets the lowest rates as well as save some money.

Potential customers who don’t meet the “perfect” profile will probably have to pay higher premiums and this can result in business not being written. The wording the ads use say “drivers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way companies can make the claims of big savings.

Because each company has a different risk profile, you need to compare price quotes frequently. It is just not possible to predict which insurance company will have the best premium rates.

Coverages available on your auto insurance policy

Learning about specific coverages of auto insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, 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. Usually these limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for short-term medical expenses for X-ray expenses, chiropractic care, prosthetic devices, EMT expenses and pain medications. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers 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

Coverage for liability – This protects you from damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as medical services, bail bonds and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, colliding with a tree, damaging your car on a curb, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, fire damage, rock chips in glass and a broken windshield. The highest amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Final thoughts

Lower-priced insurance can be sourced online and from local insurance agents, so you need to shop car insurance with both to have the best selection. A few companies may not provide online price quotes and usually these small, regional companies only sell through local independent agents.

When shopping online for insurance, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed physical damage coverage to discover at claim time that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at an affordable rate, not the least amount of coverage.

We covered some good ideas how you can get a better price on 2017 Jeep Patriot insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding inexpensive car insurance. You may be surprised to find that the lowest premium rates come from the least-expected company. They can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

More learning opportunities

• Determing Auto Insurance Rates (Geico)
• Teen Driving and Texting (State Farm)
• Teen Driving Statistics (iihs.org)
• Safety Belts FAQ (iihs.org)
• Frontal Crash Tests (iihs.org)
• Think You’re a Safe Driver? (State Farm)

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