Compare Jeep Patriot Insurance Quotes in Austin

How many times have you said it’s time to compare the cheapest auto insurance rates in Austin, TX? Austin drivers have many options when trying to find affordable Jeep Patriot insurance. You can either waste hours driving around trying to get quotes or utilize the internet to find the lowest rates.

There are both good and bad ways to shop for auto insurance and you need to know the absolute fastest way to quote coverages for your Jeep and obtain the cheapest rates either online or from Austin insurance agents.

Unbelievably, over 70% of consumers kept buying from the same company for a minimum of four years, and 38% of customers have never even shopped around for cheaper coverage. The average driver in the United States could cut their rates by approximately $859 a year, but they don’t believe the amount of savings they would get if they changed companies.

Consumers need to shop coverage around periodically due to the fact that insurance prices change frequently. Just because you had the best deal on Jeep Patriot insurance in Austin six months ago a different company probably has better premium rates today. Forget anything you know (or think you know) about auto insurance because you’re about to learn how to use the internet to lower your annual insurance bill.

This article’s goal is to introduce you to the most effective ways to compare rates and how to save the most money. If you have a current car insurance policy, you should be able to buy cheaper car insurance using the concepts covered in this article. Shoppers only have to learn the fastest way to compare different rates from many companies at once.

Lower rates by qualifying for discounts

Companies that sell car insurance do not advertise the complete list of policy discounts very clearly, so the list below contains some of the more common and the more hidden discounts that you may qualify for. If you don’t get every credit you qualify for, you are just wasting money.

• Driver Education Discount – It’s a good idea to have your young drivers enroll in driver’s education in school or through a local driver safety program.
• Driver Training Discounts – Taking part in a course in defensive driving could save 5% or more and easily pay for the cost of the class.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings up to 30%.
• 55 and Retired – Drivers over the age of 55 may qualify for a slight reduction on a Austin car insurance quote.
• Accident Free – Good drivers with no accidents have much lower rates in comparison with bad drivers.
• Auto/Life Discount – Not all auto insurance companies offer life insurance, but some may give you a discount if you purchase life insurance from them.
• Military Deployment Discount – Being on active duty in the military may qualify for rate reductions.
• Early Switch Discount – Some auto insurance companies provide a discount for switching companies before your current expiration date. It could save around 10% when you buy Austin car insurance online.
• Discount for Good Grades – Excelling in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.

Keep in mind that most discounts do not apply to the entire policy premium. A few only apply to specific coverage prices like comp or med pay. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.

To see a list of providers with the best Jeep Patriot insurance discounts in Austin in Texas, click here to view.

How to compare free Austin Jeep Patriot insurance quotes

Getting a cheaper price on insurance can be relatively painless. Drivers just need to invest a few minutes comparing price quotes to see which company has affordable Jeep Patriot insurance quotes.

The companies shown below are our best choices to provide price quotes in Texas. If multiple providers are shown, we suggest you visit several of them in order to get a fair rate comparison.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Prices do not factor in zip code location which can affect coverage prices substantially.

Higher deductibles save money

One of the most common auto insurance questions is which deductibles should you choose. The premium rates below can help illustrate the rate differences between high and low insurance deductibles. The first set of prices uses a $250 deductible for physical damage and the second pricing table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in Austin location which can decrease or increase coverage prices significantly.

Based on the above data, using a $250 deductible will cost in the ballpark of $13 more each month or $156 annually than requesting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally average at least 19 months between claim filings, you would most likely save money by going with a higher deductible.

An important thing to remember is that a higher deductible means you pay more out-of-pocket if you have a claim. You need a higher level of savings in order to pay the deductible to have repairs made.

Gender differences in auto insurance premiums

The example below illustrates the comparison of Jeep Patriot car insurance costs for male and female drivers. The prices are based on no claims or driving violations, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are factored in.

Jeep Patriot Insurance Cost Factors

Lots of factors are considered when you get a price on insurance. Some of the criteria are obvious such as traffic violations, but other criteria are not quite as obvious such as your credit history or your vehicle rating.

The list below includes some of the major factors used by your company to calculate your premiums.

• Add-on coverages can add up – There are a lot of additional coverages that can waste your money on your Patriot policy. Insurance for things like roadside assistance, better glass coverage, and extra life insurance coverage may be wasting your money. They may sound like good ideas initially, but now you might not need them so get rid of them and save.
• Liability coverage – Your policy’s liability coverage provides coverage when you are found liable for personal injury or accident damage. Liability provides you with a defense in court to attempt to prove you were not liable. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should carry high limits.
• Where you call home factors in – Choosing to live in small towns and rural areas is a good thing if you are looking for the lowest rates. Urban drivers have more auto accidents and more time behind the wheel. Lower population translates into fewer accidents.
• Accidents mean higher premiums – Having a clean driving record can have a huge impact on auto insurance premiums. Attentive drivers pay lower auto insurance prices as compared to those with violations. Only having one moving violation can boost insurance rates to the point where it’s not affordable. Drivers who get license-revoking citations such as hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state DMV in order to continue driving.
• Deter theft and pay less – Driving a car that has a built-in theft deterrent system can earn a premium discount. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder car theft and help bring rates down.
• Your spouse saves you money – Having a wife or husband may cut your premiums on car insurance. Marriage translates into being more stable financially and it’s proven that married drivers tend to file fewer claims.
• Jeep Patriot historical loss data – Insurance companies factor in insurance loss information to calculate a rate that will offset losses. Vehicles that tend to have high amounts or severity of claims will have a higher premium rate. The next table shows the actual insurance loss data for Jeep Patriot vehicles.

  For each policy coverage type, the claim amount for all vehicles averaged together is considered to be 100. Percentages below 100 suggest losses that are better than average, while numbers shown that are more than 100 indicate more frequent claims or a tendency for losses to be larger than average.

  Auto Insurance Loss Data for Jeep Patriot Models

  Specific Jeep 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

  BETTER

  AVERAGE

  WORSE

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

What if I want to buy from local Austin insurance agencies?

Some people just prefer to buy from a local agent and there is nothing wrong with that. Most agents can help you build your policy and will help you if you have claims. One of the benefits of price shopping on the web is the fact that you can find the lowest rates but still work with a licensed agent. Buying from local insurance agencies is important particularly in Austin.

By using this short form, your insurance data is immediately sent to local insurance agents in Austin who want to provide quotes to get your business. You don’t have to search for any insurance agencies because prices are sent to you directly. If you have a need to get a rate quote from a specific insurance company, just jump over to their website and give them your coverage information.

Picking a insurer shouldn’t rely on just the price. Here are some questions you should ask.

• Is the coverage adequate for your vehicle?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Will they take your side in the event of a claim?
• Do they offer accident forgiveness?
• Are claims handled at the agent’s location?
• Which members of your family are coverage by the policy?
• Does the agency have a good rating with the Better Business Bureau?

Car insurance in Texas serves several purposes

Despite the high insurance cost for a Jeep Patriot in Austin, car insurance is mandatory in Texas but it also protects more than you think.

• The majority of states have mandatory liability insurance requirements which means you are required to buy specific limits of liability in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your Patriot with a loan, it’s guaranteed your bank will force you to have insurance to ensure loan repayment if the vehicle is totalled. If you do not pay your insurance premiums, the bank may insure your Jeep at a significantly higher premium and require you to fork over for it.
• Car insurance protects your Jeep and your assets. Insurance will also pay for most medical and hospital costs that are the result of an accident. Liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance more than offset the price you pay, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver overpays more than $820 a year so smart consumers compare quotes at every renewal to make sure the price is not too high.

Quote more to save more

People leave their current company for a variety of reasons including delays in paying claims, poor customer service, high rates after DUI convictions and lack of trust in their agent. It doesn’t matter what your reason, finding a new company can be less work than you think.

When buying insurance coverage, you should never reduce coverage to reduce premium. There have been many cases where consumers will sacrifice liability coverage limits only to regret at claim time that they should have had better coverage. Your objective should be to purchase a proper amount of coverage at the best cost, but do not skimp to save money.

In this article, we covered many tips how you can find cheaper Jeep Patriot insurance in Austin. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even find the best prices are with some of the smallest insurance companies.

Even more information is available by following these links:

• Prom Night Tips for Teen Drivers (State Farm)
• What Insurance is Cheapest for 17 Year Olds in Austin? (FAQ)
• Who Has Cheap Austin Auto Insurance Quotes for Inexperienced Drivers? (FAQ)
• Who Has Cheap Austin Auto Insurance for Teachers? (FAQ)
• Who Has Affordable Car Insurance Rates for Low Mileage Drivers in Austin? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for State Employees in Austin? (FAQ)
• Collision Insurance Coverage (Nationwide)
• Can I Drive Legally without Insurance? (Insurance Information Institute)
• Vehicle Insurance (Wikipedia)