2009 Jeep Patriot Car Insurance Rates

Nobody I know enjoys paying for car insurance, in particular when the cost is way too high.

Lots of auto insurance companies contend to insure your vehicles, and it can be difficult to compare rates and get the definite best price available.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Buying car insurance is not rocket science. But vehicle owners need to learn the way insurance companies market insurance on the web because it can help you find the best coverage.

The method we recommend to compare policy rates is to know most of the larger companies participate in a system to give free rates quotes. To start a quote, the only thing you need to do is provide a little information such as if you are currently licensed, if you require a SR-22, distance driven, and whether your vehicle is owned or leased. Your information gets sent immediately to multiple companies and you get price estimates immediately.

These discounts can lower your rates

Companies do not advertise every available discount in a way that’s easy to find, so we took the time to find some of the best known as well as the least known ways to save on insurance coverage.

• Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
• Accident Free – Good drivers with no accidents can save substantially when compared with drivers who are more careless.
• Early Signing – Some insurance companies reward drivers for switching to them before your current policy expires. This can save 10% or more.
• Homeowners Savings – Owning a house may trigger a insurance coverage policy discount because maintaining a house is proof that your finances are in order.
• Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.

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

Different people need different coverages

When it comes to choosing adequate coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. These are some specific questions might point out if your situation could use an agent’s help.

• At what point should I drop full coverage?
• Does insurance cover damages from a DUI accident?
• Why am I required to get a high-risk car insurance policy?
• Should I buy only the required minimum liability coverage?
• Do I have any recourse if my insurance company denies a claim?
• Is rental equipment covered for theft or damage?
• How high should my uninsured/underinsured coverage be in my state?
• What can I do if my company denied a claim?
• Do I need roadside assistance coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Coverages available on your auto insurance policy

Having a good grasp of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on the average auto insurance policy.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage protection

Collision insurance pays for damage to your Patriot from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Liability

Liability insurance provides protection from damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers things like loss of income, bail bonds, attorney fees and medical services. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for surgery, hospital visits, EMT expenses, doctor visits and X-ray expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, hail damage, a tree branch falling on your vehicle, falling objects and theft. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.