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.

Insurance for Jeep PatriotUnbelievably, 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.

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.

Jeep Patriot Insurance Costs in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $200 $372 $496 $30 $148 $1,246 $104
Patriot Sport 4WD $124 $218 $366 $22 $110 $840 $70
Patriot Limited 2WD $254 $486 $400 $24 $120 $1,284 $107
Patriot Limited 4WD $232 $392 $388 $24 $116 $1,152 $96
Get Your Own Custom Quote Go

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.

Jeep Patriot insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $256 $408 $382 $22 $114 $1,207 $101
Patriot Sport 4WD $256 $408 $382 $22 $114 $1,207 $101
Patriot Limited 2WD $294 $496 $382 $22 $114 $1,333 $111
Patriot Limited 4WD $294 $496 $382 $22 $114 $1,333 $111
Get Your Own Custom Quote Go

Jeep Patriot insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $208 $328 $382 $22 $114 $1,054 $88
Patriot Sport 4WD $208 $328 $382 $22 $114 $1,054 $88
Patriot Limited 2WD $240 $400 $382 $22 $114 $1,158 $97
Patriot Limited 4WD $240 $400 $382 $22 $114 $1,158 $97
Get Your Own Custom Quote Go

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.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $106
Average monthly premium for $500 deductibles (subtract): – $93
Monthly savings from raising deductible: $13
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

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.

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.

Find insurance agent in AustinBy 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.

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 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: