Compare Jeep Patriot Insurance Quotes in Durham

Do you want to save money by finding low-cost Jeep Patriot insurance in Durham? Are you drained from robbing Peter to pay Paul to keep your car insured? Your situation is no different than most other vehicle owners in North Carolina.

It’s a fact that car insurance companies don’t want you shop around. Insureds who compare rates at least once a year will most likely switch to a new company because they stand a good chance of finding lower rate quotes. Surprisingly, a recent survey revealed that consumers who compared rates annually saved an average of $865 a year compared to policyholders who never compared prices.

If finding the cheapest price for Jeep Patriot insurance is your target objective, then having a grasp of how to quote prices and compare car insurance can make the process more efficient.

How to find cheaper rates for Jeep Patriot insurance in Durham

If your goal is the lowest price, then the best way to find cheaper quotes for Jeep Patriot insurance is to compare prices at least once a year from providers in Durham.

First, gain an understanding of coverages and the measures you can control to lower rates. Many factors that cause rate increases like at-fault accidents, speeding tickets, and a poor credit score can be amended by making minor changes in your lifestyle. Later in this article we will cover the details to find cheap rates and earn a bigger discount.

Second, compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or Allstate, while independent agencies can provide prices for many different companies.

Third, compare the price quotes to the price on your current policy to see if a cheaper price is available. If you find a better price, make sure there is no lapse in coverage.

Fourth, provide adequate notice to your current company of your intent to cancel your current policy. Submit a down payment along with a signed application for the new policy. Once the paperwork is finalized, store the certificate of insurance somewhere easily accessible.

One key aspect when comparing rates is to use the same physical damage deductibles and liability limits on each quote and and to get rate quotes from as many different companies as possible. Doing this provides a fair rate comparison and a thorough selection of prices.

Numerous auto insurance companies battle for your insurance dollar, so it’s not easy to compare every provider to find the absolute best price available on Jeep Patriot insurance in Durham.

If you have a current insurance policy, you will surely be able to lower your rates using the techniques presented in this article. Finding the cheapest insurance coverage in Durham can initially seem challenging. Although North Carolina consumers must know how big insurance companies market on the web and use this information to your advantage.

Best companies for Jeep Patriot insurance

The providers in the list below offer quotes in North Carolina. If you want the best cheap auto insurance in Durham, we suggest you visit two to three different companies to find the most affordable car insurance rates.

Jeep Patriot insurance coverage information

The table displayed next showcases detailed analysis of insurance costs for Jeep Patriot models. Understanding more about how policy premiums are figured can be useful when making smart choices when buying a car insurance policy.

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Table data does not factor in vehicle location which can influence prices greatly.

How high should deductibles be?

One frequently asked question is how high should the physical damage deductibles be. The rates below sum up the premium difference when you select higher and lower physical damage coverage deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price estimates do not factor in garaging location in Durham which can influence insurance rates considerably.

Based on this data, using a $100 deductible would cost the average driver about $16 more each month or $192 every year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average more than 25 months between claim filings, you would most likely save money by going with a higher deductible.

The example below shows how choosing a deductible and can increase or decrease Jeep Patriot insurance costs for each different age group. The data is based on a single male driver, full coverage, and no other discounts are factored in.

Get Cheaper Insurance Premiums by Understanding These Factors

One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that help calculate your policy premiums. If you have a feel for what influences your rates, this enables you to make decisions that will entitle you to lower rates.

• Prevent auto insurance lapses – Letting your insurance expire is a fast way to trigger a rate increase. In addition to paying higher rates, the inability to provide proof of insurance could result in a hefty fine and possibly a revoked license.
• Extra coverages that aren’t used – There are a ton of extra add-on coverages you can purchase when buying auto insurance. Things like personal injury protection, better glass coverage, and Farm Bureau memberships may be wasting your money. They may seem like a good idea at first, but your needs may have changed so remove them and pocket the money.
• High physical damage deductibles lower rates – Insurance for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. Examples of some claims that would be covered are collision with another vehicle, collision with an animal, and damage caused by flying debris. Comprehensive and collision coverage deductibles represent how much money the insured will be required to pay before your auto insurance pays a claim. The more of the claim you are required to pay out-of-pocket, the bigger discount you will receive.
• Pleasure use saves money – The more miles you rack up on your Jeep annually the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars determined by how the vehicle is used. Autos not used for work or commuting cost less to insure as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your vehicle rating correctly shows the correct driver usage. An improperly rated Patriot can cost quite a bit.

• How’s your driving record? – Being a careful driver impacts premiums far more than you think. Careful drivers pay lower auto insurance prices compared to bad drivers. Only having one driving citation could increase your next policy renewal to the point where it’s not affordable. Drivers who have received serious violations such as DUI, reckless driving or excessive speeding are required to complete a SR-22 with their state’s licensing department in order to keep their license.

  The diagram below illustrates how speeding tickets and at-fault claims can influence Jeep Patriot insurance costs for each age group. The price estimates are based on a single male driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

• Premiums can be impacted by your employer – Occupations like judges, police officers, and emergency personnel tend to pay the highest rates in part from job stress and lots of time spent away from family. Conversely, occupations like professors, athletes and performers receive lower rates.
• Marriage brings a discount – Having a wife or husband can actually save you money compared to being single. Having a spouse generally demonstrates drivers are more mature and statistics prove married drivers tend to have fewer serious accidents.
• Costs are affected by your address – Living in less populated areas is a good thing when trying to find low car insurance rates. People who live in big cities have much more traffic and more time behind the wheel. Less people translates into fewer accident claims.

• Insurance loss data for a Jeep Patriot – Insurers analyze past claim statistics when they file their rates in each state. Vehicles that have a higher amount or frequency of claims will be charged more to insure.

  The table below shows the historical insurance loss data for Jeep Patriot vehicles. For each coverage category, the statistical loss for all vehicles, regardless of make or model, equals 100. Percentages below 100 imply a favorable loss record, while percentages above 100 point to more claims or larger claims.

  
  

  Jeep Patriot Insurance Claim Statistics

  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

  BETTER

  AVERAGE

  WORSE

  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

These discounts can lower your insurance rates

Insurance is not an enjoyable expense, but you may qualify for discounts that you may not even know about. Larger premium reductions will be automatically applied at the time of purchase, but some discounts are required to be manually applied before being credited.

• Savings for New Vehicles – Putting coverage on a new Patriot can get you a discount compared to insuring an older model.
• Employee of Federal Government – Federal government employees can earn a discount up to 10% with certain companies.
• Policy Bundle Discount – If you have multiple policies with one company you may earn as much as 10 to 15 percent.
• Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts may qualify for discounts of 20% or more.
• Distant Student – Children who are attending college and won’t have access to an insured vehicle may qualify for this discount.
• ABS Brakes – Vehicles with ABS braking systems or traction control are much safer to drive and will save you 10% or more on Patriot insurance in Durham.
• Pay Upfront and Save – By making one initial payment instead of paying each month you could save 5% or more.
• Military Rewards – Having a family member in the military may qualify for rate reductions.
• Defensive Driving Course – Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.
• Good Student – Excelling in school can get you a discount of up to 25%. The good student discount can last until age 25.

It’s important to understand that most of the big mark downs will not be given to the whole policy. The majority will only reduce specific coverage prices like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

The example below illustrates the difference between Jeep Patriot insurance prices with and without discounts applied to the policy premium. The price estimates are based on a female driver, no claims or violations, North Carolina state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, homeowner, multi-policy, and marriage discounts applied.

If you would like to choose from a list of insurance companies who offer discounts in North Carolina, follow this link.

Buying from insurance agencies

A lot of people would prefer to go talk to an agent and that can be a smart move The best thing about comparing rates online is the fact that drivers can get better rates and still have an agent to talk to.

After filling out this short form, your coverage information is instantly submitted to local insurance agents in Durham who will give you quotes for your insurance coverage. It’s much easier because you don’t need to leave your house since rate quotes are delivered instantly to you. You can get cheaper auto insurance rates and an insurance agent to talk to. In the event you want to get a rate quote from a specific company, you can always search and find their rate quote page and submit a quote form there.

Picking an insurance company is decision based upon more than just the bottom line cost. These are some questions your agent should answer.

• If you are a high risk driver, do they have special markets for your coverage?
• Can they give you a list of client referrals?
• Is the agent and/or agency licensed to do business in North Carolina?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Will the agent or a CSR service your policy?
• How many companies do they write for?
• Will you get a loaner vehicle if you car is being repaired?

Durham car insurance agents come in two flavors

If you’re trying to find a local agent, it’s helpful to know the types of insurance agents and how they are distinctly different. Insurance agencies in Durham are either exclusive agents or independent agents.

Exclusive Agents

Agents of this type have only one company to place business with and examples are State Farm, Allstate and AAA. They generally cannot compare rates from other companies so always compare other rates. Exclusive insurance agents are well schooled on their company’s products which aids in selling service over price.

The following is a short list of exclusive insurance agents in Durham willing to provide rate quotes.

More Durham agents

Independent Auto Insurance Agents

Agents of this type do not work for one specific company and that is an advantage because they can write policies through lots of different companies and possibly get better coverage at lower prices. If premiums increase, they simply move the coverage in-house and you don’t have to switch agencies.

When shopping rates, we recommend you include price quotes from multiple independent agents for the best price selection.

Below is a list of independent insurance agents in Durham that are able to give comparison quotes.

More Durham agents

Your car insurance coverage should be tailored to you

When quoting and comparing the best car insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine whether or not you might need an agent’s assistance.

• Where can I find DUI or SR-22 insurance?
• What can I do if my company won’t pay a claim?
• Does coverage extend to my business vehicle?
• What is the minimum liability in North Carolina?
• Can I cancel at any time?
• Is my trailer covered?
• If my pet gets injured in an accident are they covered?
• Am I better off with higher deductibles on my Jeep Patriot?
• Am I covered while delivering pizza?
• Can I afford low physical damage deductibles?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

You can find affordable coverage

Drivers leave their current company for any number of reasons including lack of trust in their agent, extreme rates for teen drivers, an unsatisfactory settlement offer and being labeled a high risk driver. No matter why you want to switch, switching insurance companies is not as difficult as it may seem.

We just presented many ideas to get a better price on Jeep Patriot insurance in Durham. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding the cheapest Jeep Patriot rate quotes. Consumers could even find that the most savings is with a small local company.

When getting Durham auto insurance quotes online, it’s very important that you do not reduce needed coverages to save money. Too many times, an accident victim reduced comprehensive coverage or liability limits only to discover later that they should have had better coverage. Your strategy should be to get the best coverage possible at the best price, but do not skimp to save money.

Steps to finding cheaper rates for Jeep Patriot insurance in Durham

Really, the only way to find affordable Jeep Patriot insurance in Durham is to do a yearly price comparison from insurance carriers in North Carolina. Rates can be compared by following these guidelines.

First, it will benefit you to learn about how insurance companies determine prices and the factors you can control to prevent expensive coverage. Many rating criteria that increase rates such as accidents, traffic violations, and an imperfect credit score can be eliminated by making minor changes in your lifestyle.

Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like GEICO and Allstate, while independent agencies can provide rate quotes for a wide range of companies.

Third, compare the new rates to your existing rates to determine if you can save on Patriot insurance. If you find better rates and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, notify your agent or company to cancel your current auto insurance policy. Submit a down payment and signed policy application to your new insurance company. Make sure you safely store the proof of insurance paperwork in an easily accessible location in your vehicle.

The most important part of shopping around is to try to compare the same coverage limits and deductibles on each quote request and and to get rates from every insurance company. Doing this guarantees a fair price comparison and maximum price selection.

To read more, take a look at these articles:

• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
• What Insurance is Cheapest for Uninsured Drivers in Durham? (FAQ)
• How Much is Durham Car Insurance for 18 Year Olds? (FAQ)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Preventing Carjacking and Theft (Insurance Information Institute)