2007 Jeep Patriot Insurance Rates

Trying to find better insurance prices for a Jeep Patriot can be a painful process, but you can learn a few tricks to find lower rates. There are both good and bad ways to find insurance online and you need to know the absolute fastest way to get price quotes for a new or used Jeep and get the best price possible either online or from local insurance agents.

It is always a good idea to do rate comparisons occasionally because prices go up and down regularly. Despite the fact that you may have had the best rates for Patriot coverage a few years ago you may be paying too much now. Forget anything you know (or think you know) about insurance because you’re about to learn the quickest way to find better coverage at a better price.

If you have a policy now or need new coverage, you can learn to get lower rates while maximizing coverage. Shopping for affordable protection is quite easy. Consumers only need to know the most effective way to get comparison quotes over the internet.

Factors influencing Jeep Patriot insurance rates

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get big savings.

  • Occupation reflects on rates – Did you know your occupation can influence how much you pay for insurance? Careers like real estate brokers, business owners and dentists tend to pay the highest average rates in part from high stress levels and lengthy work days. Other professions such as scientists, historians and performers have the lowest average rates for Patriot coverage.
  • Men pay higher rates – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Men and women cause accidents in similar percentages, but men tend to have more serious accidents. Men also get cited for more serious violations such as DWI and reckless driving.
  • Younger drivers pay higher rates – Young drivers are known to be more careless when driving so they pay higher insurance rates. Having to add a teenage driver to your policy can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets.
  • Never allow your policy to lapse – Driving your car without having proper coverage is illegal and your next policy will cost more because you let your insurance expire. And not only will insurance be more expensive, but not being able to provide proof of insurance can result in a revoked license or a big fine.
  • Safer cars cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles reduce injuries and fewer injuries means lower claim amounts and thus lower rates. If your Jeep scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Marriage brings a discount – Being married can get you a discount on your insurance policy. Having a significant other is viewed as being more mature and responsible and statistics show married drivers get in fewer accidents.
  • Clean credit earns discounts – Having a bad credit rating is a huge factor in determining your rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit ratings. So if your credit can use some improvement, you could be paying less to insure your 2007 Jeep Patriot by improving your rating.
  • Add-on coverages can add up – There are many extra bells and whistles that can waste your money on your 2007 Patriot policy. Insurance for vanishing deductibles, accident forgiveness and motor club memberships are examples of these. They may seem good initially, but if you don’t need them eliminate the coverages to reduce your premium.

Auto Insurance Comparisons

Effectively comparing auto insurance prices is a ton of work if you don’t understand the most efficient way. You can waste a lot of time talking about coverages with insurance agencies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

All the larger companies belong to a marketplace where insurance shoppers enter their coverage request one time, and each company can provide price quotes based on that data. This saves time by eliminating repetitive form submissions for each company.

To get comparison pricing now click here to start a free quote.

The only downside to getting quotes like this is that consumers can’t choose which insurance companies you will receive quotes from. If you wish to select specific providers to request quotes from, we put together a list of auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, make absolute certain that you use apples-to-apples coverages on every quote you get. If you use unequal deductibles or liability limits then you won’t be able to make a fair comparison for your Jeep Patriot.

Do drivers who switch really save $394 a year?

Drivers get pounded daily by advertisements that promise big savings from companies such as State Farm, Allstate and GEICO. They all make an identical promise about savings if you change your policy.

But how can every company say the same thing? This is how they do it.

Different companies have a certain “appetite” for the type of driver that makes them money. A good example of a profitable customer might be profiled as between 25 and 40, insures multiple vehicles, and drives less than 10,000 miles a year. A propective insured who meets those qualifications receives the best rates and is almost guaranteed to save when they switch companies.

Potential customers who don’t measure up to this ideal profile will be charged a higher premium and this can result in the driver buying from a lower-cost company. The ads state “people who switch” not “everyone that quotes” save that kind of money. This is how companies can state the savings. That is why you should get a wide range of price quotes. It’s just too difficult to predict the company that will fit your personal profile best.

Don’t miss out on these money-saving discounts

Companies that sell car insurance don’t always list every discount very clearly, so we researched some of the more common and the more hidden savings tricks you should be using. If you’re not getting every credit available, you’re paying more than you need to.

  • Auto/Life Discount – Larger companies have a discount if you purchase life insurance.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn a substantially lower rate.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Safety Course Discount – Taking a course teaching defensive driving skills can save you 5% or more if you qualify.
  • Accident Forgiveness – Certain companies allow you one accident before your rates go up if your claims history is clear for a certain period of time.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. Just because you may think you could get a free insurance policy, you’re out of luck.

To see a list of providers offering insurance discounts, click here to view.

Do I need special coverages?

When it comes to buying the best insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining if your situation might need an agent’s assistance.

  • When should I drop full coverage on my 2007 Jeep Patriot?
  • Does my insurance cover my expensive audio equipment?
  • Do I really need UM/UIM coverage?
  • Should I bundle my homeowners policy with my auto?
  • Do I need replacement cost coverage on my 2007 Jeep Patriot?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my 2007 Jeep Patriot covered for flood damage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Educate yourself about insurance coverages

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a building, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Auto liability

Liability coverage will cover damage or injury you incur to people or other property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

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 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like medical expenses, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like falling objects, damage from getting keyed, hitting a bird and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills for chiropractic care, nursing services and dental work. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

More quotes. Lower rates.

Cheaper 2007 Jeep Patriot insurance can be sourced online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.

Consumers switch companies for many reasons like lack of trust in their agent, questionable increases in premium, unfair underwriting practices or high rates after DUI convictions. It doesn’t matter what your reason, switching companies is less work than it seems.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. In many cases, someone sacrificed liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

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