Cheapest 2009 Jeep Patriot Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Aug 24, 2022

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Sick and tired of trying to scrape together enough money to buy car insurance? You are no different than many other consumers.

Drivers have multiple car insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, too many choices makes it more difficult to get the best deal.

You need to price shop coverage periodically because prices are usually higher with each renewal. Even if you think you had the best deal for Patriot coverage a couple years back there is a good chance you can find better rates now. Don’t believe everything you read about car insurance online, so we’re going to give you a lot of great tips on how to reduce your car insurance bill.

Finding affordable coverage is quite easy. If you have car insurance now, you will be able to save some money using this strategy. But vehicle owners must understand how the larger insurance companies determine prices because it can help you find the best coverage.

Lower rates by qualifying for these seven discounts

Companies that sell car insurance don’t always publicize all their discounts in an easy-to-find place, so here is a list both the well known and also the lesser-known insurance coverage savings.

  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance from them.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Organization Discounts – Affiliation with a qualifying organization could qualify you for a break on your policy for Patriot coverage.
  • Homeowners Discount – Owning a house may trigger a insurance coverage policy discount because maintaining a house demonstrates responsibility.
  • Multi-car Discount – Insuring more than one vehicle on the same insurance coverage policy can get a discount on all vehicles.
  • E-sign – A few companies give back up to $50 for buying your policy over the internet.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount for Patriot coverage with a few insurance coverage companies.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way.

Car insurance companies that may offer these discounts may include but are not limited to:

Double check with each insurance company how you can save money. Some discounts might not apply everywhere.

Car insurance is unique, just like you

When buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions can help discover whether your personal situation will benefit from professional help.

  • Is my 2009 Jeep Patriot covered for smoke damage?
  • What is the minimum liability in my state?
  • I have health insurance so do I need medical payments coverage?
  • Should I have a commercial auto policy?
  • Will my rates increase for filing one claim?
  • What companies insure drivers after a DUI or DWI?
  • What is no-fault insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have coverage if my license is suspended?
  • How do I insure my teen driver?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Can you really save that much by switching?

Companies like State Farm and Allstate constantly bombard you with ads on television and other media. All the ads say the same thing that you can save if you switch your policy. How can each company make the same claim? It’s all in the numbers.

Insurance companies have a certain “appetite” for the driver that makes them money. An example of a preferred risk could be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. A driver who meets those qualifications will qualify for the lowest rates and most likely will cut their rates substantially.

Drivers who fall outside this ideal profile will be quoted a higher premium which usually ends up with business not being written. Company advertisements say “people who switch” not “everybody who quotes” save money. That’s the way insurance companies can make those claims. This emphasizes why it’s extremely important to get quotes from several different companies. You cannot predict which company will fit your personal profile best.

Learn about auto insurance coverages for a 2009 Jeep Patriot

Having a good grasp of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. These are typical coverage types offered by auto insurance companies.

Auto liability

This coverage provides protection from damage that occurs to a person or their property. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability can pay for things like repair bills for other people’s vehicles, medical services, court costs and bail bonds. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like theft, damage from flooding, hitting a bird, vandalism and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like ambulance fees, hospital visits, nursing services, doctor visits and funeral costs. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

This will pay to fix damage to your Patriot resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, sideswiping another vehicle, sustaining damage from a pot hole, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2009 Jeep Patriot.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

More effort can pay off

We covered a lot of techniques to shop for 2009 Jeep Patriot insurance online. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may even find the lowest rates come from the smaller companies. Some small companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

Discount insurance is attainable on the web in addition to many insurance agents, so you should compare both to get a complete price analysis. Some car insurance companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

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