Jeep Patriot Insurance Quotes in San Jose

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Insurance quote for Jeep Patriot in San JoseIf saving the most money is your goal, then the best way to get low-cost Jeep Patriot insurance is to make a habit of comparing prices annually from insurers who can sell car insurance in San Jose. You can shop around by following these steps.

  • Step 1: Learn about what coverages are included in your policy and the measures you can take to prevent expensive coverage. Many factors that result in higher prices like traffic tickets, fender benders, and an unacceptable credit history can be remedied by making minor changes to your lifestyle. This article gives ideas to get cheaper coverage and get discounts that may be available to you.
  • Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from a single company like Progressive or Allstate, while independent agents can provide price quotes from multiple sources. View companies
  • Step 3: Compare the quotes to your existing rates to determine if you can save on Patriot insurance. If you find a better price and change companies, make sure there is no lapse in coverage.
  • Step 4: Give proper notification to your current agent or company of your intent to cancel your current auto insurance policy and submit a signed application and payment to the new insurer. Immediately place the new certificate of insurance with your vehicle's registration.

The critical component of shopping around is that you'll want to compare identical coverage information on each price quote and and to get price estimates from as many companies as possible. This helps ensure a level playing field and a complete selection of prices.

It's astonishing, but a large majority of drivers kept their policy with the same company for more than four years, and 38% of customers have never even compared quotes to find lower-cost rates. Many drivers in California can cut their rates by approximately $469 a year, but they don't understand how simple it is to compare rate quotes online.

If you're already insured, you will definitely be able to get lower rates using the concepts covered in this article. Finding more affordable car insurance policy in San Jose is not as confusing as people think. But California drivers need to learn the way companies price online insurance because rates are impacted by many factors.

Lower-cost San Jose car insurance quotes with discounts

Not too many consumers would say car insurance is affordable, but you can get discounts to help bring down the price. Many of these discounts will be applied automatically at the time of purchase, but some discounts are required to be specially asked for before you will receive the discount. If you check and find you aren't receiving every discount available, you could be saving more on your car insurance.Cheaper car insurance with discounts

  • Safety Course Discount - Taking a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Mature Driver Discount - Drivers that qualify as senior citizens may qualify for lower premium rates.
  • Drivers Education - Have your child complete a driver education course as it can save substantially.
  • Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • No Accidents - Drivers with accident-free driving histories get the best car insurance rates as opposed to frequent claim filers.
  • Sign Online - Certain larger companies will provide an incentive for buying your policy on your computer.
  • Good Grades Discount - This discount can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Discount for Swiching Early - Some larger companies provide a discount for signing up before your current expiration date. The savings is around 10%.
  • Military Rewards - Being on active duty in the military could trigger a small discount.

We need to note that most credits do not apply to the whole policy. The majority will only reduce specific coverage prices like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, you aren't that lucky.

The chart below visualizes the comparison of Jeep Patriot auto insurance costs with and without discounts applied to the policy premium. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, claim-free, safe-driver, and marriage discounts applied.

Companies and a partial list of their discounts are detailed below.

  • American Family may have discounts that include defensive driver, accident-free, TimeAway discount, early bird, and air bags.
  • Nationwide offers discounts including defensive driving, multi-policy, good student, Farm Bureau membership, and accident-free.
  • MetLife policyholders can earn discounts including multi-policy, good student, claim-free, accident-free, good driver, defensive driver
  • 21st Century has savings for automatic seat belts, teen driver, air bags, 55 and older, student driver, and defensive driver.
  • Farmers Insurance includes discounts for switch companies, pay in full, alternative fuel, mature driver, homeowner, electronic funds transfer, and multi-car.
  • Allstate offers premium reductions for anti-theft, senior citizen, premier discount, 55 and retired, and new car.

Check with every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be offered in San Jose. If you would like to see a list of providers that have a full spectrum of discounts in San Jose, click here.

The method we recommend to compare rate quotes for Jeep Patriot insurance in San Jose is to realize almost all companies pay for the opportunity to compare rate quotes. To start a quote, the only thing you need to do is give them rating details including your occupation, how much education you have, if you lease or own, and whether you drive to work or school. That rating data is then sent to multiple companies and they return cost estimate instantly.

To get price quotes for your Jeep Patriot now, click here and see if a lower rate is available in San Jose.

The auto insurance companies shown below are our best choices to provide free quotes in California. If the list has multiple companies, we recommend you click on several of them to get a more complete price comparison.

Insurance analysis for a Jeep Patriot

The premium information shown below showcases estimates of coverage costs for Jeep Patriot models. Having a good grasp of how rate quotes are figured can assist in making smart buying decisions.

Jeep Patriot Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $158 $306 $500 $30 $150 $1,144 $95
Patriot Sport 4WD $158 $306 $500 $30 $150 $1,144 $95
Patriot Limited 2WD $182 $372 $500 $30 $150 $1,234 $103
Patriot Limited 4WD $182 $372 $500 $30 $150 $1,234 $103
Get Your Own Custom Quote Go

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can alter prices considerably.

Choosing deductibles

One of the most common insurance questions is how low should you set your deductibles. The comparison tables below determine the premium difference when you choose different physical damage deductibles. The first set of rates uses a $250 deductible and the second price table uses a $500 deductible.

Jeep Patriot insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $298 $472 $442 $26 $132 $1,395 $116
Patriot Sport 4WD $298 $472 $442 $26 $132 $1,395 $116
Patriot Limited 2WD $342 $576 $442 $26 $132 $1,543 $129
Patriot Limited 4WD $342 $576 $442 $26 $132 $1,543 $129
Get Your Own Custom Quote Go
Jeep Patriot insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $242 $382 $442 $26 $132 $1,224 $102
Patriot Sport 4WD $242 $382 $442 $26 $132 $1,224 $102
Patriot Limited 2WD $278 $464 $442 $26 $132 $1,342 $112
Patriot Limited 4WD $278 $464 $442 $26 $132 $1,342 $112
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rates do not factor in specific San Jose garaging location which can decrease or increase price quotes considerably.

Using the data above, we can ascertain that using a $250 deductible costs roughly $16 more each month or $192 annually averaged for all Patriot models than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go more than 16 months between claims, you would probably be better off if you elect the higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $123
Average monthly premium for $500 deductibles (subtract): - $107
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

Jeep Patriot liability-only versus full coverage

The diagram below shows the comparison of Jeep Patriot car insurance costs when comparing full coverage to liability only. The information is based on a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no discounts are taken into consideration.

When to switch to liability coverage only

There is no definitive formula for dropping physical damage coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let's pretend your Jeep Patriot book value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after paying your policy deductible. If it's costing you more than $300 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some cases where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should not buy liability only.

How much insurance do I need?

When it comes to buying insurance from an agent or online, there really is no cookie cutter policy. You are unique and your insurance should be unique as well.Drive safe and save For example, these questions might help in determining whether or not you may require specific advice.

  • Are my company tools covered if they get stolen?
  • Do I need roadside assistance coverage?
  • Can I afford to buy a different vehicle if my Jeep Patriot is totaled?
  • When should I buy a commercial auto policy?
  • How do I insure my teen driver?
  • Can I drive in Mexico and have coverage?
  • Should I waive the damage coverage when renting a car?

If you're not sure about those questions, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.

Should I talk to an insurance agent?

A lot of people prefer to get advice from a local agent and that is recommended in a lot of cases The best thing about getting online price quotes is the fact that you can find the best rates and also buy local.

Insurance agents in San JoseTo make it easy to find an agent, after completing this quick form, your insurance data is sent to companies in San Jose who will give competitive quotes to get your business. You won't need to search for an agent because prices are sent to you instantly. You can most likely find cheaper rates AND a local agent. If you want to get a comparison quote from a specific car insurance provider, you just need to search and find their rate quote page and fill out the quote form the provide.

Choosing the best provider should include more criteria than just the quoted price. Before buying a policy in San Jose, get answers to these questions.

  • Does the agency have a positive business rating?
  • Are they giving you every discount you deserve?
  • Which insurance company do they prefer to write with?
  • Does the agent have a valid license to sell insurance in California?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Do they see any coverage gaps in your plan?
  • Are they actively involved in the community?

Compare rates from both independent and exclusive car insurance agents

If you are wanting to purchase car insurance from a good insurance agency, it can be helpful to understand the different types of agents and how they can write your policy. San Jose agents are either independent or exclusive depending on the company they work for.

Exclusive Insurance Agents

Exclusive agencies are contracted to one company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agencies are unable to compare other company's rates so it's a take it or leave it situation. Exclusive agents are highly trained on their company's products which helps them sell insurance even at higher premiums. Some consumers prefer to choose to use a exclusive agent primarily because of the brand legacy rather than having the cheapest rates.

Below is a list of exclusive agents in San Jose that are able to give price quotes.

More insurance agents

Independent Agents

Independent agencies are not limited to a single company and that allows them to write policies through lots of different companies and find you the best rates. If your premiums go up, they simply switch companies in-house and you don't have to find a new agent. When comparison shopping, you should always get several quotes from independent agents to ensure the widest selection of prices. Many can place coverage with smaller companies which may have better rates.

Shown below is a short list of independent agents in San Jose willing to provide price quotes.

More insurance agents

In Summary

Cost effective Jeep Patriot insurance can be purchased both online and from local insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and most of the time these small insurance companies provide coverage only through local independent agencies.

We covered a lot of tips how to save on Jeep Patriot insurance in San Jose. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers may even find the best price on auto insurance is with the smaller companies. These smaller insurers may have significantly lower premium rates on certain market segments compared to the large companies like State Farm or Progressive.

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