Are you trying to find lower-priced Jeep Patriot insurance in Phoenix? Scraping up a payment for expensive Jeep Patriot insurance in Phoenix can bleed your funds and force you to tighten up your finances. Comparison shopping is recommended to slash your bill and have more diposable income.
A study showed that most consumers kept their policy with the same company for at least four years, and almost 40% of drivers have never compared quotes from other companies. The average driver in Arizona can save hundreds of dollars each year by just comparing quotes, but they don’t believe the rate savings if they switch to a new company. Having so many insurance companies to choose from that have affordable insurance for a Jeep Patriot in Phoenix, it’s nearly impossible to choose a more affordable insurance provider.
You should make it a habit to compare premium rates before your next renewal because prices tend to go up over time. Despite the fact that you may have had the best rates on Jeep Patriot insurance in Phoenix last year a different company probably has better rate quotes today. There is lot of inaccurate information about Patriot insurance out there, but in this article, you’re going to get some proven techniques to quit paying high insurance rates in Phoenix.
Locating the best insurance company for you in Phoenix can really be easy if you know what you’re doing. If you have insurance now, you will surely be able to reduce the price you pay using these tips. You just have to learn the tricks to compare different rates from many different companies online.
Insurance policy discounts for Jeep Patriot insurance in Phoenix
Companies that sell car insurance do not advertise every available discount very well, so we researched a few of the more common and the harder-to-find credits available to lower your premiums when you buy Phoenix auto insurance online.
- Save over 55 – If you’re over the age of 55, you may qualify for a small decrease in premiums.
- Active Service Discounts – Being on active duty in the military may lower your prices slightly.
- Discount for Swiching Early – A few companies allow discounts for switching to them before your current coverage expires. It’s a savings of about 10%.
- Club Memberships – Affiliation with specific professional or occupational memberships or organizations may earn a discount on insurance.
- Use Seat Belts – Buckling up and requiring all passengers to buckle up could cut 10% or more off the medical payments premium.
- Discount for New Cars – Buying a new car model can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.
- ABS and Traction Control Discounts – Cars and trucks that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more on Patriot insurance in Phoenix.
- Accident Forgiveness – Not a discount per se, but certain companies allow you one accident without raising rates so long as you are claim-free for a set time period.
- Discounts for Government Workers – Simply working for the federal government could provide a small rate reduction depending on your insurance provider.
Keep in mind that most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think you could get a free insurance policy, it doesn’t quite work that way.
To view insurers that offer some of these discounts in Phoenix, click this link.
The companies shown below provide price comparisons in Phoenix, AZ. If the list has multiple companies, we recommend you visit several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Patriot Sport 2WD||$142||$254||$314||$18||$94||$822||$69|
|Patriot Sport 4WD||$160||$298||$362||$22||$108||$950||$79|
|Patriot Limited 2WD||$182||$308||$306||$18||$92||$906||$76|
|Patriot Limited 4WD||$182||$308||$306||$18||$92||$906||$76|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Information does not factor in your specific Phoenix location which can decrease or increase coverage prices substantially.
Physical damage deductibles: Should you raise them?
The illustration below shows how choosing a deductible and can raise or lower Jeep Patriot insurance costs for different age groups. The premiums assume a married female driver, full physical damage coverage, and no discounts are applied.
Impact of speeding/accidents on auto insurance rates
The chart below demonstrates how speeding tickets and at-fault collisions raise Jeep Patriot car insurance costs for each age group. The data is based on a single female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.
Price comparison of only insuring for liability
The illustration below illustrates the comparison of Jeep Patriot insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no claims, a clean driving record, $250 deductibles, single male driver, and no policy discounts are applied.
When to drop comp and collision
There isn’t a written rule for phasing out comp and collision coverage, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s pretend your Jeep Patriot replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after the deductible is paid. If you are paying in excess of $400 a year for full coverage, then it might be time to buy liability only.
There are a few cases where buying only liability insurance is not a good plan. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Why Informed Consumers Pay Less for Jeep Patriot Insurance
The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that help determine your policy premiums. If you have some idea of what determines premiums, this enables you to make decisions that can help you get lower premium levels. Multiple criteria are part of the calculation when you get a price on insurance. Most are fairly basic such as traffic violations, but other criteria are less apparent such as your marital status or your commute time.
Shown below are some of the items utilized by car insurance companies to help set prices.
- Is your car built for speed? – The performance level of the vehicle you are trying to find cheaper insurance for makes a substantial difference in your rates. The lowest premiums will generally be found on lower cost passenger models, but other factors influence the final cost greatly. Since the Jeep Patriot is a standard SUV, insurance will be slightly more when compared to the average rates in Phoenix.
- Get cheaper prices if you’re married – Walking down the aisle actually saves money on your auto insurance policy. It generally demonstrates drivers are more mature than a single person it has been statistically shown that drivers who are married file infrequent claims.
- Liability protection limits are a factor – A critical coverage on your policy, liability insurance is the protection if you are responsible for damages from an accident. Your liability coverage provides legal defense which can cost a lot. This coverage is relatively inexpensive compared to physical damage coverage, so do not skimp.
- High credit rating translates to low prices – Having a bad credit rating is a large factor in determining your rates. Insureds with very high credit ratings tend to be more responsible than those with poor credit scores. If your credit score is lower than you’d like, you could save money insuring your Jeep Patriot by taking the time to improve your credit score.
- Driving citations mean higher rates – Having just one citation can bump up the cost by twenty percent. Drivers who don’t get tickets tend to pay less for car insurance as compared to those with violations. Drivers with careless violations such as reckless driving, hit and run or driving under the influence may be required to maintain a SR-22 with their state’s licensing department in order to continue driving.
- Is you employer costing you more? – Did you know your career choice can influence rates? Jobs like real estate brokers, social workers and medical professionals generally pay higher premiums than the average policyholder in part from intense work situations and long work days. Conversely, occupations such as scientists, athletes and retirees get better rates.
- Save money by eliminating incidental coverages – Insurance policies have a lot of extra coverages that may not really be needed if you aren’t diligent. Coverage for things like rental car coverage, towing, and additional equipment coverage may not be needed and are just wasting money. These may sound like a good investment at first, but your needs may have changed so remove them and pocket the money.
- Insurance loss statistics a Jeep Patriot – Auto insurance companies take into consideration historical loss data for every vehicle when they calculate premium rates for each model. Vehicles that the statistics show to have a higher amount or frequency of claims will have a higher premium rate.
The information below illustrates the insurance loss data used by companies for Jeep Patriot vehicles. For each type of coverage, the claim amount for all vehicles, regardless of make, model or trim level, is represented as 100. Numbers under 100 suggest a positive loss record, while values that are above 100 point to more losses or statistically larger losses.
Jeep Patriot Insurance Claim Statistics
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Jeep Patriot 4dr 2WD 80 139 65 123 121 140 Jeep Patriot 4dr 4WD 73 121 67 98 100 111
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance is unique, just like you
When selecting proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different.
For instance, these questions may help highlight whether or not you may require specific advice.
- Will I lose any money if I cancel my policy before it expires?
- When should I not buy collision coverage?
- How much cheaper are high deductibles?
- How much will a speeding ticket raise my rates?
- Does coverage extend to Mexico or Canada?
- Is business property covered if stolen from my car?
- How many claims can I have before being canceled?
- I have a DUI can I still get coverage?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Compare rate quotes but buy from a neighborhood Phoenix auto insurance agent
Some consumers prefer to get advice from a local agent and that is not a bad decision Good agents can point out coverage gaps and help you file claims. A nice benefit of getting online price quotes is the fact that drivers can get cheaper car insurance rates but also keep your business local.
Upon completion of this simple form, the quote information is sent to local insurance agents in Phoenix who want to provide quotes for your insurance coverage. It makes it easy because there is no need to contact an agency since rate quotes are delivered immediately to your email address. In the event you want to compare rates from a specific company, you would need to navigate to their website and submit a quote form there.
Choosing the best insurer needs to be determined by more than just the price. Any agent in Phoenix should have no problem answering these questions:
- Does the agency provide any after hours assistance?
- Are aftermarket or OEM parts used to repair vehicles?
- Can glass repairs be made at your home?
- Is the agent and/or agency licensed to do business in Arizona?
- Are there any extra charges for paying monthly?
- Does the agency have a good rating with the Better Business Bureau?
- How much can you save by raising your physical damage deductibles?
- What insurance companies do they work with in Phoenix?
What type of Phoenix auto insurance agent is right for you?
If you’re trying to find a local agent, you should know the types of agencies and how they can write your policy. Insurance policy providers can be classified as either exclusive or independent agents depending on their company appointments. Both can write insurance policies, but it is important to understand how they differ since it can affect which agent you choose.
Exclusive Insurance Agencies
Agents in the exclusive channel have only one company to place business with such as Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive insurance agents are trained well on their company’s products which helps them sell insurance even at higher premiums.
Shown below are Phoenix exclusive agents who can help you get comparison quotes.
Independent Agents (or Brokers)
Independent agencies are normally appointed by many insurers and that is an advantage because they can write policies with a variety of different insurance companies depending on which coverage is best. If they find a cheaper price, your policy is moved internally which is easy for the insured.
When comparison shopping, it’s recommended you get several quotes from several independent agencies to get the most accurate price comparison.
Listed below is a list of independent insurance agents in Phoenix who can help you get comparison quotes.
Insuring your Jeep Patriot just makes sense
Even though Phoenix Patriot insurance rates can get expensive, paying for car insurance is required for several reasons.
- Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability protection in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Jeep Patriot, most lenders will force you to carry insurance to guarantee loan repayment. If you let the policy lapse, the lender will be forced to insure your Jeep for a lot more money and require you to fork over for the expensive policy.
- Car insurance preserves both your assets and your Jeep. Insurance will also pay for many types of medical costs for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also pays for attorney fees and expenses in the event you are sued. If your Jeep gets damaged, comprehensive and collision coverage will cover the repair costs.
The benefits of buying car insurance outweigh the cost, particularly if you ever have a claim. As of last year, the average driver in Arizona overpays as much as $810 a year so you should quote and compare rates each time the policy renews to be sure current rates are still competitive.
Cost effective Jeep Patriot insurance is available on the web and with local Phoenix insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not provide the ability to get quotes online and these small insurance companies only sell coverage through independent insurance agencies.
As you restructure your insurance plan, do not buy less coverage just to save a little money. There are a lot of situations where someone sacrificed collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to purchase plenty of coverage at the best cost and still be able to protect your assets.
Insureds leave their current company for a number of reasons such as denial of a claim, high prices, high rates after DUI convictions or extreme rates for teen drivers. No matter why you want to switch, choosing a new insurance company is not as hard as you think.
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