If saving money is your primary concern, then the best way to find cheaper quotes for Jeep Patriot insurance in Chandler is to compare prices once a year from different companies in Arizona.
- First, get a basic knowledge of what coverages are included in your policy and the steps you can take to prevent expensive coverage. Many policy risk factors that cause rate increases like at-fault accidents, speeding tickets, and a poor credit score can be remedied by being financially responsible and driving safely. Continue reading for additional tips to find cheap prices and get additional discounts.
- Second, compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or State Farm, while independent agents can provide rate quotes for a wide range of insurance providers. Start a quote
- Third, compare the new rate quotes to your existing coverage to see if a cheaper rate is available. If you find a lower rate and switch companies, make sure there is no lapse in coverage.
A tip to remember is to use identical deductibles and limits on each quote request and and to look at every insurance company. Doing this enables an apples-to-apples comparison and a thorough price selection.
Unbelievably, nearly 70% of consumers have been with the same company for a minimum of four years, and almost 40% of drivers have never even compared rates from other companies. American drivers can save hundreds of dollars each year by just shopping around, but they just assume it’s a time-consuming process to compare rates.
If you have a policy now or are looking for a new policy, use these tips to find the best rates and still get good coverage. Choosing the most cost-effective insurance policy in Chandler can initially seem challenging. Drivers just need to learn how to compare insurance rates from multiple carriers.
The easiest way to get policy rate comparisons for Jeep Patriot insurance in Chandler is to take advantage of the fact almost all companies provide online access to give rate comparisons. The only thing you need to do is take a few minutes to give details including if it has an anti-theft system, level of coverage desired, if you are currently licensed, and if a SR-22 is needed. Your details is then sent to multiple companies and you receive quotes with very little delay.
To start a quote now, click here and enter your coverage details.
The providers in the list below are our best choices to provide comparison quotes in Arizona. If multiple companies are listed, we recommend you compare several of them to get a more complete price comparison.
Statistics and details
The coverage information shown next covers detailed analysis of insurance coverage prices for Jeep Patriot models. Having knowledge of how insurance quotes are established is important for you to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $174 | $314 | $338 | $20 | $102 | $948 | $79 |
| Patriot Sport 4WD | $174 | $314 | $338 | $20 | $102 | $948 | $79 |
| Patriot Limited 2WD | $200 | $382 | $338 | $20 | $102 | $1,042 | $87 |
| Patriot Limited 4WD | $200 | $382 | $338 | $20 | $102 | $1,042 | $87 |
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Prices do not factor in vehicle location which can decrease or increase auto insurance rates considerably.
How high should deductibles be?
The hardest decision when buying coverage is what deductibles to buy. The tables below can help show the rate difference of buying low and high physical damage coverage deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $202 | $320 | $300 | $18 | $90 | $955 | $80 |
| Patriot Sport 4WD | $202 | $320 | $300 | $18 | $90 | $955 | $80 |
| Patriot Limited 2WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Patriot Limited 4WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $164 | $258 | $300 | $18 | $90 | $830 | $69 |
| Patriot Sport 4WD | $164 | $258 | $300 | $18 | $90 | $830 | $69 |
| Patriot Limited 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Patriot Limited 4WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in your specific Chandler location which can raise or lower premiums noticeably.
Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $11 more each month or $132 for a full year than selecting the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have at least 23 months between claim filings, you would come out ahead going with the higher deductible. Here is how you can make this decision for your own policy.
| Average monthly premium for $250 deductibles: | $84 |
| Average monthly premium for $500 deductibles (subtract): | – $73 |
| Monthly savings from raising deductible: | $11 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $11 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
One thing to be aware of is that increasing deductibles to lower your rates results in a higher out-of-pocket expense if you have a claim. That will force you to have some savings in the bank in order to pay the deductible to have repairs made.
The chart below illustrates how your choice of deductibles and can raise or lower Jeep Patriot insurance costs for different age groups. The information is based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
Rate comparison of male drivers versus female drivers
The example below shows the comparison of Jeep Patriot yearly insurance costs for male and female drivers. Data assumes no claims or violations, comp and collision included, $250 deductibles, marital status is single, and no discounts are taken into consideration.
Car insurance is an important decision
Despite the high insurance cost for a Jeep Patriot in Chandler, maintaining insurance may not be optional for several reasons.
- Just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability protection if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Jeep has a loan, most banks will require that you have physical damage coverage to guarantee payment of the loan. If coverage lapses or is canceled, the bank will be required to insure your Jeep at an extremely high rate and make you pay a much higher amount than you were paying before.
- Car insurance protects not only your vehicle but also your assets. Insurance will also pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance will also pay to defend you if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, your policy will cover the repair costs.
The benefits of having car insurance definitely exceed the price paid, particularly when you have a large claim. An average driver in America is currently overpaying as much as $869 every year so you should quote rates each time the policy renews to be sure current rates are still competitive.
Car insurance coverages for a Jeep Patriot
Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverage types offered by auto insurance companies.
Uninsured and underinsured coverage – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Jeep Patriot.
Because many people only purchase the least amount of liability that is required (Arizona limits are 15/30/10), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Collision coverage – Collision coverage will pay to fix damage to your Patriot resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers things like scraping a guard rail, colliding with a tree, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible on your Patriot to bring the cost down.
Coverage for medical payments – Med pay and PIP coverage reimburse you for expenses for doctor visits, nursing services, X-ray expenses, pain medications and dental work. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Comprehensive coverages – Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as a broken windshield, damage from flooding and hail damage. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Coverage for liability – This coverage protects you from injuries or damage you cause to other people or property. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 15/30/10 that means you have a limit of $15,000 per injured person, $30,000 for the entire accident, and property damage coverage for $10,000.
Liability coverage pays for claims such as legal defense fees, medical services, court costs, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford. Arizona state law requires minimum liability limits of 15/30/10 but drivers should carry higher limits.
The chart below demonstrates why the minimum limit may not provide adequate coverage.
Arizona car insurance company ratings
Selecting the right insurance company can be challenging considering how many different companies there are to choose from in Arizona. The company ratings below could help you analyze which companies you want to consider comparing rates with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Final considerations
When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed liability coverage limits only to regret at claim time that they should have had better coverage. Your strategy should be to purchase plenty of coverage at the best possible price and still be able to protect your assets.
Discount Jeep Patriot insurance in Chandler is definitely available on the web in addition to many Chandler insurance agents, so you need to shop Chandler car insurance with both to get a complete price analysis. There are still a few companies who do not offer the ability to get quotes online and these small insurance companies provide coverage only through independent agencies.
We just showed you many tips how you can get a better price on Jeep Patriot insurance in Chandler. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the best rates are with some of the lesser-known companies. These smaller insurers can often provide lower car insurance rates in certain areas than the large multi-state companies such as Progressive or GEICO.
More information is located below:
- Teen Driver Statistics (Insurance Information Institute)
- Who Has Affordable Chandler Car Insurance Quotes for Retired Military? (FAQ)
- Who Has Cheap Auto Insurance for a Honda Accord in Chandler? (FAQ)
- How Much is Chandler Car Insurance for a Honda Civic? (FAQ)
- Who Has Cheap Chandler Car Insurance for a Learners Permit? (FAQ)
- Who Has Affordable Car Insurance Quotes for Nurses in Chandler? (FAQ)
- What Car Insurance is Cheapest for Good Students in Chandler? (FAQ)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- What Does No-Fault Insurance Cover? (Allstate)