Cheapest Jeep Patriot Insurance in Raleigh

Insurance quote for Jeep Patriot in RaleighThe preferred way to save on car insurance rates in Raleigh is to start comparing prices yearly from insurance carriers in North Carolina.

The most important part of shopping around is that you’ll want to make sure you compare the same amount of coverage on every quote and and to get rates from as many carriers as you can. Doing this enables a fair rate comparison and and a good selection of different prices.

It’s hard to fathom, but nearly 70% of customers kept their coverage with the same car insurance company for a minimum of four years, and nearly the majority have never compared rates to find cheap insurance. Consumers in America can save hundreds of dollars each year just by comparing rates, but they don’t want to take the time to find cheap car insurance rates.

The easiest way to compare car insurance company rates for Jeep Patriot insurance in Raleigh is to realize auto insurance companies participate in online systems to provide you with free rate quotes. All consumers are required to do is provide a small amount of information including types of safety features, an estimate of your credit level, your education level, and which vehicles you own. Your details is instantly submitted to multiple different insurance companies and you should receive rate quotes instantly to find the best rate.

If you would like to compare rates now, click here and see if a lower rate is available in Raleigh.

The car insurance companies shown below have been selected to offer comparison quotes in North Carolina. In order to find cheap car insurance in Raleigh, it’s a good idea that you compare several of them to find the lowest car insurance rates.

Score discounts to get cheaper Raleigh car insurance quotes

Companies that sell car insurance do not list the entire discount list very clearly, so the below list has both well-publicized and the more hidden discounts that you can inquire about if you buy Raleigh car insurance online.Discount car insurance

Discounts save money, but please remember that most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like you could get a free car insurance policy, it just doesn’t work that way.

The diagram below compares Jeep Patriot insurance prices with and without discounts being applied to the rates. The premium estimates are based on a male driver, no claims or violations, North Carolina state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, marriage, safe-driver, and multi-policy discounts applied.

A list of companies and some of their more popular discounts are:

When quoting, ask each company or agent what discounts are available to you. Some discounts may not apply to policies in every state. For a list of car insurance companies that offer discounts in North Carolina, click this link.

Jeep Patriot insurance coverage information

The rate table displayed next covers detailed analysis of insurance premium costs for Jeep Patriot models. Learning more about how rates are formulated can be valuable when making smart choices when selecting a policy.

Jeep Patriot Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $118 $168 $326 $20 $98 $730 $61
Patriot Sport 4WD $118 $168 $326 $20 $98 $730 $61
Patriot Limited 2WD $136 $204 $326 $20 $98 $784 $65
Patriot Limited 4WD $136 $204 $326 $20 $98 $784 $65
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate information does not factor in vehicle location which can influence coverage rates greatly.

An analysis of deductible level

One frequently asked question is how high or low should comp and collision deductibles be. The premium rates below may help to illustrate the price difference when you choose different policy deductibles. The first data set uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.

Jeep Patriot insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $168 $266 $250 $14 $74 $797 $66
Patriot Sport 4WD $168 $266 $250 $14 $74 $797 $66
Patriot Limited 2WD $192 $324 $250 $14 $74 $879 $73
Patriot Limited 4WD $192 $324 $250 $14 $74 $879 $73
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Jeep Patriot insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $136 $214 $250 $14 $74 $688 $57
Patriot Sport 4WD $136 $214 $250 $14 $74 $688 $57
Patriot Limited 2WD $156 $262 $250 $14 $74 $756 $63
Patriot Limited 4WD $156 $262 $250 $14 $74 $756 $63
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rates do not factor in zip code location which can decrease or increase coverage prices substantially.

Based on this data, using a $250 deductible will cost you approximately $10 more each month or $120 each year than opting for the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 25 months between claims, you would probably save some money if you choose a higher deductible. The illustration below shows how this decision is made.

Average monthly premium for $250 deductibles: $70
Average monthly premium for $500 deductibles (subtract): – $60
Monthly savings from raising deductible: $10
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $10
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

Components of Your Jeep Patriot Insurance Premiums

Many different elements are part of the calculation when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, but some are more transparent like your continuous coverage and annual miles driven.

Poor credit rating equals high rates – Having a bad credit score will be a significant factor in determining your rates. So if your credit history is not that good, you could save money insuring your Jeep Patriot by spending a little time repairing your credit. People with high credit scores tend to be more responsible than those with poor credit.

Why do you need liability insurance? – Liability insurance is the coverage that protects you in the event that you are determined to be liable for damages from an accident. It provides you with a defense in court to attempt to prove you were not liable. Liability is cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

You might want pay the minor claims yourself – Companies in North Carolina award the lowest premiums to policyholders who are not frequent claim filers. If you are the type of insured that files lots of claims you can look forward to increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of the large, substantial claims.

Better drivers pay less – How you drive impacts your car insurance rates tremendously. Good drivers receive lower rates than their less careful counterparts. Even one ticket could increase your next policy renewal substantially. Drivers who have serious tickets such as reckless driving or DUI may find they need to file a SR-22 with their state’s licensing department in order to keep their license.

The example below demonstrates how citations and at-fault fender-benders increase Jeep Patriot car insurance rates for each age group. The prices are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

More miles equals more premium – The higher the miles on your Jeep annually the more you will pay for car insurance. Almost all companies charge to insure your cars determined by how the vehicle is used. Vehicles left parked in the garage can get a lower rate than vehicles that have high annual mileage. Make sure your policy shows annual mileage. An incorrectly rated Patriot is throwing money out the window.

Compare rates if you bundle your policies – Most larger companies afford better rates to people who buy several policies from them in the form of a multi-policy discount. Even if you qualify for this discount already, drivers will still want to compare Jeep Patriot rates in Raleigh to help guarantee you have the best rates.There is a good possibility that you can save even more than the discount by buying car insurance from a different company.

Drive a safer car and pay less – Cars with high safety ratings tend to have lower insurance rates. Safe vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates.

Decrease rates by maintaining coverage – Driving any period of time without insurance can get you a ticket and you will pay a penalty because you let your insurance coverage expire. And not only will your rates increase, not being able to provide proof of insurance might get you a fine, jail time, or a revoked license.

Jeep Patriot insurance loss data – Insurers take into consideration historical loss data for every vehicle to help calculate premium rates. Vehicles that the data shows to have higher number or severity of losses will cost more for coverage.

The data below shows the insurance loss data used by companies for Jeep Patriot vehicles. For each policy coverage, the claim amount for all vehicles, without regard to make or model, is a value of 100. Numbers shown that are under 100 are indicative of better than average losses, while values over 100 indicate frequent claims or an increased likelihood of larger losses.

Car 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

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

Compare rate quotes but buy from a local Raleigh insurance agent

Many drivers just want to talk to an insurance agent and that can be a great decision The best thing about comparing auto insurance online is that you can obtain cheap auto insurance quotes but still work with a licensed agent. Buying from neighborhood agents is definitely important in Raleigh.

Insurance agency in RaleighBy using this short form, your insurance coverage information is instantly submitted to agents in your area who will give you quotes to get your business. It’s much easier because you don’t need to do any legwork due to the fact that quote results will go to the email address you provide. You can find the lowest rates AND an agent nearby. If you wish to get a rate quote from a specific auto insurance provider, don’t hesitate to visit that company’s website and fill out the quote form the provide.

Types of auto insurance agents in Raleigh

When narrowing the list to find a reliable insurance agent, there are two types of agencies and how they operate. Raleigh agents can be classified as either independent or exclusive depending on the company they work for.

Independent Agencies or Brokers

Independent agents are not restricted to one company and that enables them to quote your coverage through many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and you stay with the same agent.

When shopping rates, we recommend you get some free quotes from a few independent agents for the best price selection. A lot of them also have access to additional companies that you may not be familiar with who may have lower rates.

Below is a short list of independent insurance agencies in Raleigh that may be able to give you free price quotes.

More Raleigh agents

Exclusive Agencies

These type of agents are contracted to one company such as Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to provide other company’s prices so it’s a take it or leave it situation. Exclusive agents are usually quite knowledgeable on sales techniques which helps offset the inability to provide other markets. Some consumers prefer to buy insurance from these agents mostly because of the prominent brand name and solid financial strength.

The following are Raleigh exclusive agents who can help you get comparison quotes.

More Raleigh agents

Deciding on an insurance agent needs to be determined by more than just the price. Before buying a policy in Raleigh, get answers to these questions.

After talking to the agent and getting good answers to any questions you may have and locked in a price quote, chances are good that you have found a car insurance agent that will insure your vehicles. Just remember once you purchase a policy you can cancel your coverage whenever you wish so never assume you’re contractually obligated to any particular company with no way out.

Auto insurance savings summarized

Lower-priced auto insurance in Raleigh can be found from both online companies as well as from independent agents in Raleigh, so you need to quote Raleigh car insurance with both to have the best chance of lowering rates. Some companies don’t offer online rate quotes and these smaller providers prefer to sell through local independent agencies.

We just covered a lot of techniques to get a better price on Jeep Patriot insurance in Raleigh. The most important thing to understand is the more price quotes you have, the better your chances of lowering your premium rates. Drivers may even discover the lowest car insurance rates come from a smaller regional carrier.

Insureds change insurance companies for a number of reasons such as denial of a claim, delays in paying claims, lack of trust in their agent and even poor customer service. Whatever your reason, switching companies is not as hard as you think.

Additional information can be found on the following sites: