Jeep Patriot Insurance Quotes in Cleveland

Shockingly, most insurance buyers kept their policy with the same company for more than four years, and nearly the majority have never shopped around. With the average insurance premium being $1,340, Ohio drivers could pocket $730 a year, but most undervalue how much savings they would realize if they switched to a more affordable policy.

If saving money is your primary concern, then the best way to quote cheaper Jeep Patriot insurance is to do an annual price comparison from insurers in Cleveland. Rate comparisons can be done by following these steps.

Step 1: Try to learn about car insurance and the modifications you can make to lower rates. Many rating factors that result in higher prices like speeding tickets, careless driving and a substandard credit score can be amended by being financially responsible and driving safely. This article gives more details to prevent expensive rate increases and get additional discounts that may be available.

Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like GEICO and State Farm, while independent agencies can quote rates from multiple sources. Compare rates now

Step 3: Compare the new rates to the premium of your current policy to see if a cheaper price is available. If you can save money and decide to switch, verify that coverage does not lapse between policies.

Step 4: Provide written notification to your current company of your intention to cancel your existing policy and submit payment along with a signed and completed policy application to the new company. Once coverage is bound, place the new certificate of insurance somewhere easily accessible.

One bit of advice is to use identical deductibles and limits on each quote and and to get price estimates from as many different companies as possible. Doing this ensures an accurate price comparison and the most accurate and complete price analysis.

Most companies such as 21st Century, Allstate and State Farm give pricing on the web. Comparing prices online for Jeep Patriot insurance in Cleveland is fairly simple because it’s just a matter of typing in your required coverages as requested by the quote form. When complete, their system automatically orders reports for credit and driving violations and quotes a price based on these factors. The ability to get online rate quotes for Jeep Patriot insurance in Cleveland makes it a lot easier to compare rates and it’s also necessary to have as many quotes as possible in order to find cheaper car insurance pricing.

To find out how much you can save on car insurance, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you type in deductibles and limits identical to your current policy. This guarantees you will have rate comparison quotes for similar insurance coverage.

The companies shown below have been selected to offer quotes in Cleveland, OH. To locate cheaper auto insurance in Cleveland, it’s a good idea that you visit several of them to get a more complete price comparison.

Insurance statistics for a Jeep Patriot

The price information shown next covers different insurance prices for Jeep Patriot models. Learning a little about how rate quotes are figured can help customers make smart choices when purchasing an auto insurance policy.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Prices do not factor in specific zip code location which can raise or lower premiums greatly.

Raise deductibles and save

When comparing insurance rates, the most common question is at what level do you set your deductibles. The tables below can help you understand the difference in cost between high and low policy deductibles. The first pricing table uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price information does not factor in vehicle location which can influence premiums considerably.

Using the data above, we can ascertain that using a $250 deductible will cost you roughly $9 more each month or $108 for a full year than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 28 months between claims, you would probably be better off if you opt for a higher deductible.

One big caveat is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. That will necessitate some savings in the bank in the event you have to pay more to get your vehicle repaired.

The diagram below highlights how deductible choice and can affect Jeep Patriot yearly insurance costs for each age group. Data assumes a single female driver, full physical damage coverage, and no policy discounts are applied.

Why insurance is not optional

Even though Cleveland Patriot insurance rates can get expensive, maintaining insurance is a good idea for several reasons.

• Most states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability coverage if you want to drive legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your Patriot has a loan, it’s guaranteed your bank will make it a condition of the loan that you have full coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank may buy a policy for your Jeep at an extremely high rate and require you to fork over for the expensive policy.
• Insurance protects not only your car but also your assets. It will also pay for medical expenses incurred in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of having insurance definitely exceed the price paid, especially with large liability claims. The average driver in Ohio overpays as much as $800 each year so it’s recommended you shop around each time the policy renews to make sure the price is not too high.

You may qualify for discounts for Jeep Patriot insurance in Cleveland

Some insurance providers don’t list all discounts in a way that’s easy to find, so the following list contains both the well known and also the lesser-known credits that you can use to lower your rates.

• Memberships – Having an affiliation with a civic or occupational organization in Cleveland could earn you a nice discount on auto insurance.
• Discount for Swiching Early – Some auto insurance companies reward drivers for signing up prior to the expiration date on your current Patriot insurance policy. It’s a savings of about 10%.
• Discount for Life Insurance – Some insurance carriers give lower auto insurance rates if you buy a life insurance policy as well.
• Student Discounts – Being a good student can save 20 to 25%. The good student discount can last up to age 25.
• Senior Citizen Discount – Older drivers can possibly qualify for a slight reduction on a Cleveland car insurance quote.
• Low Miles Discount – Keeping the miles down on your Jeep can qualify you for lower premium rates on the low mileage vehicles.

Consumers should know that most discounts do not apply to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

The chart below shows the comparison of Jeep Patriot auto insurance rates with and without discounts applied. The data is based on a male driver, no claims or violations, Ohio state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multi-policy, claim-free, and multi-car discounts applied.

The best auto insurance companies and some of the premium reductions they offer are included below.

• Progressive policyholders can earn discounts including homeowner, multi-vehicle, online signing, multi-policy, continuous coverage, online quote discount, and good student.
• SAFECO has savings for bundle discounts, teen safety rewards, accident prevention training, anti-lock brakes, and multi-car.
• American Family may offer discounts for good driver, defensive driver, TimeAway discount, mySafetyValet, accident-free, and air bags.
• MetLife offers premium reductions for multi-policy, accident-free, defensive driver, good student, claim-free, and good driver.
• GEICO includes discounts for five-year accident-free, air bags, anti-theft, driver training, daytime running lights, multi-policy, and good student.
• The Hartford offers discounts for good student, vehicle fuel type, bundle, defensive driver, driver training, and anti-theft.

If you want cheaper Cleveland car insurance quotes, ask every insurance company which discounts you may be entitled to. Some discounts may not apply to policies in your state.

It’s not one size fits all

When buying proper insurance coverage for your personal vehicles, there really is no one-size-fits-all type of policy. Your situation is unique so your insurance should reflect that
For instance, these questions might help in determining if your situation might need professional guidance.

• Is my Jeep Patriot covered for flood damage?
• When should I remove my kid from my policy?
• Are my tools covered if they get stolen from my vehicle?
• What does roadside assistance cover?
• How does medical payments coverage work?
• Am I covered if I drive in a foreign country?
• What happens if I owe more than my Jeep Patriot is worth?
• Where can I find DUI or SR-22 insurance?
• Should I file a claim if it’s only slightly more than my deductible?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Getting quotes from local Cleveland insurance agents

Certain consumers would prefer to talk to a local agent and that can be a smart move A nice benefit of getting free rate quotes online is you may find better rates and still have an agent to talk to. Buying from and supporting small agencies is important particularly in Cleveland.

After filling out this simple form, the coverage information is emailed to agents in your area who will gladly provide quotes to get your business. It makes it easy because there is no need to visit any agencies as quotes are delivered directly to your email. Get lower rates AND an agent nearby. If you have a need to compare rates from a specific car insurance provider, you just need to visit that company’s website and fill out their quote form.

If you are wanting to purchase car insurance from a reliable agent, it’s important to understand the different types of agents and how they work. Agents can be classified as either independent agents or exclusive agents depending on their employer.

Independent Agencies or Brokers

Agents of this type can sell policies from many different companies so they can quote policies with many different companies and find the cheapest car insurance rates. If you want to switch companies, they simply move the coverage in-house which is easy for the insured.

If you are comparing car insurance prices, it’s recommended you include rate quotes from independent agents so that you can do a thorough price comparison.

Listed below is a short list of independent agents in Cleveland that may be able to give you free price quotes.

More insurance agents

Exclusive Insurance Agencies

These type of agents can only write with one company such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to give you multiple price quotes so it’s a take it or leave it situation. These agents receive extensive training on their company’s products and that can be a competitive advantage.

Below are Cleveland exclusive agencies willing to provide price quotes.

More insurance agents

Picking an car insurance agent should depend on more than just a cheap price quote. Here are some questions to ask:

• Does the agency provide any after hours assistance?
• Is there a local claims center in Cleveland?
• By raising physical damage deductibles, how much would you save?
• How long has their agency been in business in Cleveland?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• When do they do policy reviews?
• Will the company cover a rental car if your car is getting fixed?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

Car insurance coverage information

Understanding the coverages of your policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, hail damage, damage from a tornado or hurricane, vandalism and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Jeep Patriot.

Since a lot of drivers only carry the minimum required liability limits (Ohio limits are 25/50/25), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, hitting a mailbox, driving through your garage door, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible on your Patriot in order to get cheaper collision rates.

Liability car insurance – This provides protection from damages or injuries you inflict on a person or their property. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like medical services, pain and suffering and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible. Ohio requires minimum liability limits of 25/50/25 but it’s recommended drivers buy better liability coverage.

The illustration below shows why low liability limits may not be adequate coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses for nursing services, pain medications, hospital visits, chiropractic care and funeral costs. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Find cheap rates by comparing often

As you restructure your insurance plan, do not buy less coverage just to save a little money. There have been many situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible for the lowest cost while not skimping on critical coverages.

Some insurance companies may not provide online rate quotes and usually these regional insurance providers sell through local independent agencies. Cheap Jeep Patriot insurance in Cleveland can be found both online as well as from independent agents in Cleveland, so you should compare both to have the best rate selection.

More information can be found below:

• What is Covered by GAP Insurance? (Allstate)
• Who Has Affordable Car Insurance for Drivers Over Age 60 in Cleveland? (FAQ)
• How Much is Cleveland Auto Insurance for a Dodge Journey? (FAQ)
• Teen Driving Statistics (iihs.org)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)