Save Money on Jeep Patriot Insurance in Jacksonville

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Insurance quote for Jeep Patriot in JacksonvilleInconceivable but true, the majority of drivers have purchased from the same company for over three years, and about 40% of consumers have never compared quotes from other companies. Florida consumers can cut their rates by as much as 55% a year by just shopping around, but they don't invest the time required to shop their coverage around.

Truthfully, the best way to get affordable auto insurance rates is to compare prices at least once a year from companies in Jacksonville. You can compare rates by completing these steps.

Step 1: It will benefit you to learn about what coverages are included in your policy and the steps you can take to keep rates low. Many risk factors that drive up the price like multiple speeding tickets and an imperfect credit history can be controlled by making minor driving habit or lifestyle changes.

Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or Farmers Insurance, while independent agencies can quote rates for a wide range of insurance providers.

Step 3: Compare the quotes to the price on your current policy to see if a cheaper price is available. If you find a better price and make a switch, make sure there is no lapse in coverage.

A valuable tip to remember is to compare identical deductibles and limits on each quote request and and to analyze as many car insurance companies as possible. This guarantees a fair price comparison and the most accurate and complete price analysis.

If you already have coverage or need a new policy, you can learn to cut your premiums without reducing protection. Locating the best insurance company for you in Jacksonville is really quite easy. Drivers just have to understand the most efficient way to shop from many different companies online.

Decisions You Make Can Impact Your Insurance Premiums

Multiple criteria are considered when pricing auto insurance. Some are obvious such as traffic violations, but other criteria are less obvious like where you live or your vehicle rating.

Shown below are a partial list of the pieces that factor into prices.

  • Women tend to cost less - Over the last 30 years, statistics show that women are safer drivers than men. That doesn't necessarily mean that females are better at driving than males. Men and women are responsible for auto accidents at about the same rate, but men tend to have more serious accidents. They also get higher numbers of serious violations like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and therefore are the most expensive to insure.

    The illustration below compares Jeep Patriot insurance costs for male and female drivers. The price estimates are based on no claims or driving citations, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.

  • Drive lots and pay more - The more you drive your Jeep each year the more you'll pay to insure it. Most companies rate vehicles based upon how the vehicle is primarily used. Autos that do not get driven very much receive lower rates than those used for commuting. Having the wrong rating on your Patriot can cost quite a bit. Make sure your car insurance coverage states how each vehicle is driven, because it can save money.
  • Use credit responsibly and save - A driver's credit score is a big factor in determining what you pay. So if your credit rating can be improved, you could save money insuring your Jeep Patriot by improving your rating. Drivers who have high credit ratings tend to file fewer claims and have better driving records than those with poor credit.
  • Good drivers pay less - Good drivers have lower premiums compared to bad drivers. Even a single speeding ticket or other violation can boost insurance rates by as much as twenty percent. Drivers unfortunate enough to have careless tickets such as reckless driving, hit and run or driving under the influence might be required by their state to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.

    The information below shows how traffic citations and at-fault claims impact Jeep Patriot annual premium costs for different age groups. The costs are based on a single male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

  • More than one policy can earn a discount - Some companies afford discounts to insureds that have more than one policy in the form of a multi-policy discount. The discount can add up to five, ten or even twenty percent. Even though this discount sounds good, consumers should still shop around to guarantee you are still saving the most. It's possible to still find lower rates even if you have your coverage with different companies
  • High coverage deductibles lower rates - Coverage for physical damage, also called 'full coverage', is used to repair damage to your Jeep. Some coverage claims are a broken side mirror, flood damage, or theft. Comp and collision deductibles define how much you are required to spend out-of-pocket before your car insurance pays a claim. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be.
  • Do you have enough liability insurance? - Your car insurance policy's liability coverage will protect you in the event that a court rules you are at fault for damages caused by your negligence. This coverage provides legal defense coverage to attempt to prove you were not liable. It is affordable coverage compared to physical damage coverage, so do not cut corners here.
  • Claims statistics for a Jeep Patriot - Companies analyze historical claim data to determine a rate that will be profitable for them. Models that historically have high amounts or severity of claims will be charged more to insure.

    The table below demonstrates the historical insurance loss data for Jeep Patriot vehicles. For each policy coverage type, the loss probability for all vehicles as a whole is considered to be 100. Numbers shown that are under 100 suggest a positive loss record, while values that are above 100 indicate more frequent losses or statistically larger losses.

    Auto Insurance Loss Data for Jeep Patriot Models
    Vehicle 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

    Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Insurance analysis for a Jeep Patriot

The data table displayed below showcases detailed analysis of rate quotes for Jeep Patriot models. Learning a little about how insurance rates are calculated can benefit drivers when making smart choices when buying a policy.

Jeep Patriot Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $306 $612 $504 $30 $152 $1,604 $134
Patriot Sport 4WD $306 $612 $504 $30 $152 $1,604 $134
Patriot Limited 2WD $352 $746 $504 $30 $152 $1,784 $149
Patriot Limited 4WD $352 $746 $504 $30 $152 $1,784 $149
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in specific Jacksonville garaging location which can change rates significantly.

Deductible comparison

A question often asked by Jacksonville drivers is where should you set your physical damage deductibles. The rates below help summarize how much more rates are when you select higher and lower physical damage coverage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Jeep Patriot insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $312 $532 $418 $24 $124 $1,435 $120
Patriot Sport 4WD $312 $532 $418 $24 $124 $1,435 $120
Patriot Limited 2WD $358 $648 $418 $24 $124 $1,597 $133
Patriot Limited 4WD $358 $648 $418 $24 $124 $1,597 $133
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Jeep Patriot insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $228 $360 $418 $24 $124 $1,154 $96
Patriot Sport 4WD $228 $360 $418 $24 $124 $1,154 $96
Patriot Limited 2WD $262 $438 $418 $24 $124 $1,266 $106
Patriot Limited 4WD $262 $438 $418 $24 $124 $1,266 $106
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in vehicle location which can increase or decrease auto insurance rates greatly.

Based on the above data, using a $100 deductible will cost you about $26 more each month or $312 annually than selecting the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you usually have more than 15 months between claims, you would probably be better off going with the higher deductible. Here's a better example of how this decision is made.

Average monthly premium for $100 deductibles: $127
Average monthly premium for $500 deductibles (subtract): - $101
Monthly savings from raising deductible: $26
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

Full coverage rates compared to liability-only

The information below illustrates the difference between Jeep Patriot annual premium costs with liability coverage only compared to full coverage. The price estimates are based on no violations or accidents, $250 deductibles, single status, and no discounts are applied to the premium.

When to drop full coverage

There isn't a written rule to delete comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your Jeep Patriot settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after paying the physical damage deductible. If you are currently paying more than $600 annually for physical damage coverage, then you might want to think about dropping full coverage.

There are some conditions where dropping full coverage is not recommended. If you haven't paid off your loan, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not buy liability only.

Auto insurance quotes and discounts

Auto insurance is not an enjoyable expense, but you might already qualify for some discounts to help offset the cost. Some trigger automatically at quote time, but a few must be specifically requested before you get the savings.Cheaper auto insurance with discounts

  • Defensive Driver Discount - Participating in a course teaching safe driver skills is a good idea and can lower rates depending on where you live.
  • Braking Control Discount - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more on Patriot insurance in Jacksonville.
  • Theft Prevention System - Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more on Patriot insurance in Jacksonville.
  • Discounts for Multiple Vehicles - Purchasing coverage when you have multiple vehicles with the same auto insurance company can get a discount for every vehicle.
  • Paper-free Discount - Certain companies will provide an incentive just for signing your application on their website.
  • Distant Student - Any of your kids who attend college more than 100 miles from Jacksonville and don't have a car could qualify for this discount.
  • Cautious Drivers - Accident-free drivers can save up to 40% or more on their Jacksonville auto insurance quote than less cautious drivers.
  • Air Bags and Passive Restraints - Cars that have air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
  • Club Memberships - Having an affiliation with certain professional organizations is a simple method to lower premiums when getting a Jacksonville auto insurance quote.

You can save money using discounts, but most discounts do not apply to the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, it just doesn't work that way. Any amount of discount will help reduce your policy premiums.

The diagram below illustrates the comparison of Jeep Patriot insurance prices with and without discounts. The costs are based on a female driver, no claims or driving violations, Florida state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, homeowner, marriage, and claim-free discounts applied.

The best auto insurance companies and their possible discounts can be found below.

  • Travelers includes discounts for payment discounts, new car, good student, save driver, early quote, student away at school, and IntelliDrive.
  • 21st Century may include discounts for early bird, student driver, air bags, defensive driver, theft prevention, and automatic seat belts.
  • State Farm offers discounts including good driver, anti-theft, Drive Safe & Save, safe vehicle, defensive driving training, and accident-free.
  • GEICO policyholders can earn discounts including military active duty, good student, anti-lock brakes, driver training, seat belt use, anti-theft, and federal employee.
  • SAFECO may have discounts that include drive less, anti-lock brakes, accident prevention training, safe driver, bundle discounts, and teen safety rewards.
  • AAA offers premium reductions for education and occupation, good driver, anti-theft, pay-in-full, good student, and AAA membership discount.

Double check with each company or agent to give you their best rates. Discounts might not be available to policyholders in your state. If you would like to choose from a list of auto insurance companies that offer multiple discounts in Jacksonville, follow this link.

In Summary

Lower-priced Jeep Patriot insurance in Jacksonville is definitely available from both online companies in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money. Some car insurance companies may not have online rate quotes and usually these regional carriers prefer to sell through independent insurance agencies.

We've covered a lot of ways to get a better price on Jeep Patriot insurance in Jacksonville. It's most important to understand that the more providers you compare, the higher the chance of saving money. You may even find the lowest priced car insurance comes from some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower rates compared to the large companies like Allstate or State Farm.

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