How Much Does 2017 Jeep Patriot Insurance Cost in 2024?

Did you make the mistake of buying an underperforming, overpriced insurance coverage policy? Don’t sweat it because there are lots of residents who feel the same. Many insurance companies vie for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best rate

Consumers need to compare rates quite often because insurance coverage prices are constantly changing. If you had the best deal for Patriot coverage a year ago a different company probably has better rate quotes today. There is a lot of wrong information about insurance coverage online but in a few minutes you can learn the best ways to buy insurance coverage cheaper.

Save money with these discounts

Companies that sell car insurance don’t always list every available discount in a way that’s easy to find, so we break down both well-publicized as well as some of the hidden discounts you could be receiving when you buy car insurance online.

• Good Drivers – Drivers who avoid accidents could pay up to 40% less for Patriot coverage than drivers with accidents.
• Mature Driver Discount – If you qualify as a senior citizen, you can get reduced rates for Patriot coverage.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
• Data Collection Discounts – Insureds that choose to allow their car insurance company to analyze vehicle usage by using a telematics device such as State Farm’s In-Drive could see a rate decrease if they have good driving habits.
• Memberships – Being in specific professional or occupational memberships or organizations could earn you a nice discount on car insurance.
• Discounts for Government Workers – Active or retired federal employment may qualify for a discount when you quote car insurance for Patriot coverage with select insurance companies.
• Save with More Vehicles Insured – Insuring multiple cars or trucks with the same car insurance company qualifies for this discount.
• Fewer Miles Equal More Savings – Maintaining low annual mileage could qualify for substantially lower prices.

A quick disclaimer, most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will definitely lower the cost of your policy.

If you would like to choose from a list of companies that have a full spectrum of discounts, enter your zip code here.

Compare free car insurance price quotes

Most major insurance companies such as State Farm, Allstate and GEICO allow consumers to get prices for coverage from their websites. Doing online quotes is quite easy as you just enter the amount of coverage you want into the form. Behind the scenes, their quoting system will order information on your driving record and credit history and gives you a price quote based on these factors. This streamlines rate comparisons, but the work required to visit several different sites and type in the same information is a waste of time. But it’s also necessary to perform this step if you want to find the lowest car insurance rates.

The quickest way to find cheaper rates is to use a quote form that obtains quotes from many companies. The form is fast, requires much less work on your part, and makes online price comparison a lot less work. As soon as you send your information, it is rated and you are able to buy any one of the pricing results.

If the quotes result in lower rates, you simply finish the application and buy the policy. This process takes 15 minutes at the most and you’ll know if lower rates are available.

In order to find out if lower rates are available, simply enter your zip code here and complete the simple form. If you have a policy now, it’s recommended you type in coverages and limits as close as possible to your current policy. Doing this guarantees you will have a price comparison based on similar coverages.

Auto insurance can be complex

When buying coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.

• When should I drop full coverage on my 2017 Jeep Patriot?
• Is my business laptop covered if it gets stolen from my vehicle?
• Am I covered if I drive in a foreign country?
• Does medical payments coverage apply to all occupants?
• Is my teenager covered with friends in the car?
• Am I insured when driving a different vehicle?
• Can I still get insurance after a DUI?
• What is roadside assistance coverage?
• Do I need replacement cost coverage on my 2017 Jeep Patriot?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverage details

Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types available from car insurance companies.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses such as rehabilitation expenses, prosthetic devices and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

This coverage will cover injuries or damage you cause to a person or their property. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like court costs, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

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

Comprehensive can pay for claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from flooding and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, hitting a parking meter, colliding with a tree, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

A penny earned…

We just presented some good ideas how you can compare 2017 Jeep Patriot insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the biggest savings come from the smaller companies. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like GEICO and State Farm.

Cost effective 2017 Jeep Patriot insurance is attainable both online as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who don’t offer internet price quotes and most of the time these smaller providers provide coverage only through local independent agents.