Find Cheaper Jeep Patriot Insurance in Philadelphia

Are you sick of overpaying and want the cheapest Jeep Patriot insurance in Philadelphia? Nobody looks forward to paying premiums for auto insurance, in particular when they could find lower prices if they just compared rates.

It’s safe to conclude that auto insurance companies don’t want you to look at other companies. Insureds who shop for lower rates are likely to switch to a new company because they have good chances of finding lower rate quotes. A study showed that people who shopped around every year saved $865 annually as compared to drivers who never shopped around for cheaper prices.

If saving the most money on Jeep Patriot insurance in Philadelphia is the reason you’re reading this, then understanding how to quote and compare insurance coverage can save money and time. Insurance companies such as Allstate, Progressive and GEICO all claim big savings with advertising and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

If you are already insured or are shopping for new coverage, follow these tips to get lower rates without reducing coverage. Locating the most cost-effective car insurance policy in Philadelphia is much easier if you know where to start. Vehicle owners just have to understand the quickest method to find the lowest price online from multiple companies.

Philadelphia insurance discounts for a Jeep Patriot

Buying insurance is not cheap, but there’s a good chance there are discounts that many people don’t even know exist. A few discounts will be applied when you get a quote, but a few must be specially asked for before they will apply.

• Good Student – Maintaining excellent grades could provide a savings of up to 20% or more. The discount lasts until age 25.
• ABS Braking Discount – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
• Drive Safe and Save – Accident-free drivers could pay up to 40% less than drivers with accidents.
• Employee of Federal Government – Federal government employees may reduce rates when you quote Philadelphia car insurance but check with your company.
• Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
• College Student – Older children who attend college more than 100 miles from Philadelphia and do not take a car to college may be able to be covered for less.
• Senior Citizen Rates – If you’re over the age of 55, you can get a small discount on rates.
• E-sign Discounts – Some companies will provide an incentive get Philadelphia car insurance on their website.

Keep in mind that most of the big mark downs will not be given to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like all the discounts add up to a free policy, you won’t be that lucky.

The illustration below shows the comparison of Jeep Patriot insurance prices with and without discounts applied to the rates. The data assumes a female driver, a clean driving record, no claims, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, homeowner, multi-car, and safe-driver discounts applied.

Larger insurance companies and some of the discounts are:

• GEICO offers discounts for military active duty, driver training, five-year accident-free, federal employee, seat belt use, and good student.
• SAFECO may offer discounts for drive less, multi-car, bundle discounts, homeowner, anti-lock brakes, teen safety rewards, and anti-theft.
• State Farm discounts include passive restraint, student away at school, multiple autos, accident-free, Steer Clear safe driver discount, and anti-theft.
• MetLife offers discounts including multi-policy, accident-free, good driver, claim-free, defensive driver, and good student.
• 21st Century offers premium reductions for 55 and older, automatic seat belts, theft prevention, air bags, driver training, early bird, and defensive driver.
• Progressive may have discounts that include multi-policy, good student, online signing, online quote discount, multi-vehicle, continuous coverage, and homeowner.

If you are trying to find affordable Jeep Patriot insurance quotes, ask each company or agent which discounts can lower your rates. Savings might not apply in your state. To see a list of insurance companies who offer insurance discounts in Pennsylvania, click this link.

The companies shown below are ready to provide quotes in Pennsylvania. If more than one company is shown, we suggest you visit as many as you can in order to find the most affordable rates.

Coverage information

The premium table shown below showcases a range of insurance policy prices for Jeep Patriot models. Understanding how car insurance premiums are determined is important for making smart buying decisions.

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price estimates do not factor in specific Philadelphia garaging location which can increase or decrease rates greatly.

Physical damage deductibles: Should you raise them?

The hardest decision when buying coverage is how high should the physical damage deductibles be. The tables below help summarize the differences in premium rates when you choose different coverage deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate information does not factor in vehicle garaging location which can increase or decrease rates substantially.

Based on the data above, we can derive that using a $250 deductible will cost you about $22 more each month or $264 a year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 34 months between claims, you would probably be better off going with the higher deductible. The illustration below shows an example of how you can make this decision for your own policy.

An important sidenote is that raising deductibles to save money results in more money out-of-pocket when you have a physical damage claim. You need to make sure you have some extra funds in the event you need to pay more for the deductible.

Drive responsibly or pay higher rates

The chart below shows how traffic citations and accident claims increase Jeep Patriot insurance rates for different ages of insureds. The premiums assume a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

Insurance can be complex

When it comes to buying your policy, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and your insurance should be unique as well.
These are some specific questions may help highlight if your situation would benefit from professional advice.

• Am I covered when delivering products for my home-based business?
• Is coverage enough to protect my assets?
• Do I need added coverage for expensive stereo equipment?
• Do I need PIP (personal injury protection) coverage in Pennsylvania?
• Why am I required to buy liability insurance?
• Do I need rental car coverage?
• Is there a penalty for late payment?
• Should I buy more coverage than the required Pennsylvania minimum liability coverage?
• Am I missing any policy discounts?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Auto insurance is available from agents near you

Many people just prefer to buy from a local agent and that can be a great decision Agents are trained risk managers and help in the event of a claim. One of the great benefits of getting free rate quotes online is you may find the lowest rates and still choose a local agent.

By using this simple form, the quote information is immediately sent to insurance agents in Philadelphia that provide free Philadelphia car insurance quotes for your business. It’s much easier because you don’t need to drive around because prices are sent straight to your inbox. In the event you want to get a rate quote from a specific insurance company, don’t hesitate to visit that company’s website and complete a quote there.

Finding a good insurance company is decision based upon more than just a cheap price quote. Any good agent in Philadelphia should know the answers to these questions.

• Are they in the agency full-time?
• Are they involved in claim handling?
• Is the agency covered by Errors and Omissions coverage?
• If your car is in the repair shop, do you have coverage for a rental car?
• Does the agency provide any after hours assistance?
• How long has their agency been in business in Philadelphia?

When narrowing the list to find local Philadelphia agents, it’s helpful to know the types of insurance agents and how they function. Auto insurance policy providers can either be independent or exclusive. Both types can write policy coverage, but it’s a good idea to understand why they differ because it can factor into the selection process.

Exclusive Agents

Agents that choose to be exclusive can only provide pricing for a single company and some examples include State Farm, Allstate, and Farm Bureau. Exclusive agents cannot provide other company’s prices so they really need to provide good service. Exclusive agents are very knowledgeable on the products they sell which helps overcome the inability to quote other rates.

Shown below are Philadelphia exclusive insurance agents willing to provide comparison quotes.

More insurance agents

Independent Auto Insurance Agents

These agents often have many company appointments and that gives them the ability to insure with a variety of different insurance companies and help determine which has the cheapest rates. If premiums increase, the business is moved internally and the insured can keep the same agent. When comparing auto insurance rates, you will definitely want to include price quotes from multiple independent agents for maximum quote selection.

Listed below are independent agencies in Philadelphia willing to provide rate quotes.

More insurance agents

If you get acceptable answers to any questions you have and locked in a price quote, most likely you have located an insurance agent that is reliable enough to properly insure your vehicles.

Find affordable rates by being thorough

When getting Philadelphia car insurance quotes online, make sure you don’t skimp on coverage in order to save money. There have been many cases where drivers have reduced full coverage only to find out that it was a big mistake. Your aim should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

There are still a few companies who don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents. Cost effective Jeep Patriot insurance can be found online as well as from insurance agents, and you should be comparing both to get a complete price analysis.

Additional insurance information can be found on the following sites:

• How to Avoid Staged Accidents (State Farm)
• Who Has Affordable Philadelphia Car Insurance Rates for Single Moms? (FAQ)
• What Auto Insurance is Cheapest for Postal Workers in Philadelphia? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for Nurses in Philadelphia? (FAQ)
• Who Has Affordable Philadelphia Car Insurance Quotes for a Ford Fusion? (FAQ)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Older Driver Statistics (Insurance Information Institute)