Trying to find cheaper insurance for a Jeep Patriot in Arizona can normally be an all-consuming task, but you can learn our auto insurance buying tips to save time.
There are more efficient ways to find auto insurance online and you need to know the quickest way to quote coverages for your Jeep and get the lowest possible price from both online companies and Mesa agents.
Consumers should take time to price shop coverage occasionally due to the fact that insurance prices are rarely the same from one policy term to another. Even if you got the lowest quotes on Jeep Patriot insurance in Mesa a couple years back other companies may now be cheaper. There is a lot of wrong information about Patriot insurance online but we’re going to give you some great ways to lower your auto insurance premiums.
The best way to compare insurance rates from multiple companies is to take advantage of the fact most insurance companies participate in online systems to give rate comparisons. All consumers are required to do is provide details such as what you do for a living, how you use your vehicles, if it has an anti-theft system, and whether you are single or married. That information is then submitted to all major companies and you will receive price estimates within a short period of time.
To compare lower-cost Jeep Patriot insurance rates now, click here and enter your zip code.
The providers in the list below have been selected to offer quotes in Arizona. If your goal is to find cheap car insurance in Arizona, it’s a good idea that you compare several of them in order to get a fair rate comparison.
Get cheaper Jeep Patriot insurance rates in Mesa
Some providers do not advertise all available discounts in an easy-to-find place, so we break down both the well known and the harder-to-find discounts you could be receiving when you buy Mesa auto insurance online. If you do not double check each discount possible, it’s possible you qualify for a lower rate.
- No Claim Discounts – Drivers with accident-free driving histories pay much less in comparison to drivers who are more careless.
- Good Student – Performing well in school can earn a discount of 20% or more. This discount can apply up to age 25.
- Discount for Multiple Policies – If you have multiple policies and place coverage with the same company you may earn at least 10 to 15 percent or more.
- Renewal Discounts – A few insurance companies allow discounts for signing up before your current coverage expires. It can save you around 10%.
- Seat Belt Usage – Drivers who require all occupants to use a seat belt could save 15% off the PIP or medical payment premium.
- Safe Drivers – Safe drivers could pay up to 40% less than drivers with accident claims.
While discounts sound great, it’s important to understand that many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like all the discounts add up to a free policy, it’s just not the way it works.
The example below shows the comparison of Jeep Patriot insurance costs with and without discounts being applied to the rates. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, multi-car, multi-policy, and marriage discounts applied.
Companies that may offer policyholders many of the previously listed discounts include:
Check with each company or agent which discounts you may be entitled to. Depending on the company, some discounts might not be available to policyholders in Mesa.
Analysis of Jeep Patriot rates
The information shown next showcases estimates of prices for Jeep Patriot models. Being able to understand how car insurance prices are determined can benefit drivers when making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $198 | $368 | $362 | $22 | $108 | $1,058 | $88 |
| Patriot Sport 4WD | $198 | $368 | $362 | $22 | $108 | $1,058 | $88 |
| Patriot Limited 2WD | $226 | $448 | $362 | $22 | $108 | $1,166 | $97 |
| Patriot Limited 4WD | $226 | $448 | $362 | $22 | $108 | $1,166 | $97 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in vehicle garaging location which can revise premium rates greatly.
Deductible comparison
When buying insurance, a common question is how high or low should comp and collision deductibles be. The premium rates below can help you understand the rate fluctuation when you buy lower versus higher physical damage deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Patriot Sport 4WD | $224 | $382 | $300 | $18 | $90 | $1,039 | $87 |
| Patriot Limited 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Patriot Limited 4WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $164 | $258 | $300 | $18 | $90 | $830 | $69 |
| Patriot Sport 4WD | $164 | $258 | $300 | $18 | $90 | $830 | $69 |
| Patriot Limited 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Patriot Limited 4WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Estimates do not factor in vehicle location which can raise or lower price quotes substantially.
Based on these figures, using a $100 deductible will cost you about $19 more each month or $228 annually than opting for the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 21 months between claim filings, you would come out ahead if you elect the higher deductible.
How careless driving impacts Mesa insurance rates
The information below shows how speeding tickets and at-fault collisions increase Jeep Patriot insurance prices for each age group. The premium estimates are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
Jeep Patriot full coverage rates compared to liability only
The chart below shows the comparison of Jeep Patriot auto insurance rates with full physical damage coverage and with liability coverage only. The premiums are based on no claims or driving citations, $500 deductibles, drivers are single, and no discounts are applied.
When to stop buying full coverage
There is no written rule of when to drop full coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your Jeep Patriot settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $3,000 after paying your deductible. If you are currently paying more than $300 annually to have full coverage, then you may want to consider only buying liability coverage.
There are some conditions where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Insurance agent or online?
Many drivers just prefer to sit down with an agent and that is not a bad decision Good insurance agents can help you build your policy and help file insurance claims. The best thing about comparing insurance prices online is you may find the best rates and also buy local. Putting coverage with small agencies is definitely important in Mesa.
By using this short form, your insurance data gets sent to participating agents in Mesa who will give you bids to get your business. You won’t need to search for any insurance agencies since rate quotes are delivered straight to your inbox. If you want to get a comparison quote from a particular provider, you just need to go to their quote page and give them your coverage information.
Listed below is a short list of insurers in Mesa that are able to give comparison quotes for Jeep Patriot insurance in Mesa.
- Phil Borgia – State Farm Insurance Agent
1635 N Greenfield Rd #1 – Mesa, AZ 85205 – (480) 981-8681 – View Map - Access Auto Insurance
1933 W Main St #5 – Mesa, AZ 85201 – (480) 668-4944 – View Map - Allstate Insurance: Roger Bentley
3740 E Southern Ave Ste 201 – Mesa, AZ 85206 – (480) 830-4650 – View Map - State Farm : Mike Wilson
1046 E McKellips Rd – Mesa, AZ 85203 – (480) 926-0388 – View Map
Selecting an company needs to be determined by more than just a cheap price. Any agent in Mesa should be willing to answer these questions.
- Is there a 24/7 contact number?
- Will the company cover a rental car if your car is getting fixed?
- Does the quote include credit and driving reports?
- Are they actively involved in the community?
- How will an accident affect your rates?
Situations that may require an agent’s advice
When it comes to adequate coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.
These are some specific questions can aid in determining whether your personal situation will benefit from professional help.
- What are the liability requirements in my state?
- When should I not file a claim?
- What is the premium to book value ratio for dropping full coverage?
- Who is covered by my policy?
- Can my babysitter drive my car?
- If I use my vehicle for business use is it covered?
- What discounts do I qualify for?
- What if a claim settlement is too low?
- Do I need replacement cost coverage on my Jeep Patriot?
- Does my insurance cover a custom paint job?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.
How to Lower Your Insurance Prices
A large part of saving on insurance is knowing a few of the rating criteria that are used to determine your policy premiums. When consumers understand what controls the rates you pay, this allows you to make good choices that may reward you with lower premium levels.
The following are some of the factors utilized by car insurance companies to help set premiums.
Rates can be impacted by your vocation – Did you know that where you work can have an impact on rates? Jobs like judges, business owners, and emergency personnel are shown to have the highest average rates due to intense work requirements and extremely grueling work hours. Other jobs such as scientists, students and homemakers pay the least.
No claims equals lower rates – Companies in Arizona provide lower rates to drivers who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is meant to be used in the event of the large, substantial claims.
Responsible credit equals lower costs – Your credit score can be a huge factor in determining what you pay. If your credit score is lower than you’d like, you may save money insuring your Jeep Patriot by repairing your credit. People that have excellent credit scores tend to be more responsible and file fewer claims than those with poor credit.
Lower performance equals lower insurance costs – The make and model of the car or truck you drive makes a huge difference in your auto insurance rates. Lower performance four cylinder passenger cars generally have the cheapest insurance rates, but that’s not the only thing that factors into the final price.
The data below assumes a single female driver age 50, full coverage with $250 deductibles, and no discounts or violations. The data compares Jeep Patriot rates compared to other makes and models that have a range of risk factors.
Bundle policies and save money – Many insurance companies will give better rates to buyers who buy several policies from them, otherwise known as a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even though this discount sounds good, you still need to get quotes from other companies to make sure you are getting the best deal.
Avoid unnecessary add-on coverages – There are a ton of extra add-on coverages that can waste your money on your insurance policy. Insurance for things like rental car coverage, better glass coverage, and additional equipment coverage are some examples. They may seem good initially, but now you might not need them so eliminate them to save money.
Having a spouse pays dividends – Walking down the aisle may earn you lower rates on insurance. Marriage translates into being more mature than a single person and insurance companies reward insureds because married drivers tend to file fewer claims.
Loss statistics for a Jeep Patriot – Auto insurance companies analyze claim trends for every vehicle to help calculate premium rates. Vehicles that the data determines to have a trend towards higher claims will have increased rates.
The table below demonstrates the historical loss data for Jeep Patriot vehicles. For each policy coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is a value of 100. Values under 100 are indicative of better than average losses, while percentages above 100 point to more losses or an increased chance of a larger loss.
| Specific Jeep 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 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance in Arizona serves several purposes
Despite the high cost of buying insurance for a Jeep Patriot in Mesa, paying for insurance is a good idea for several reasons.
- Most states have minimum liability requirements which means the state requires a specific minimum amount of liability coverage if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Jeep Patriot, most banks will stipulate that you have insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Jeep at a more expensive rate and require you to fork over the higher price.
- Insurance protects both your Jeep and your personal assets. It also can pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay to defend you if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of buying enough insurance are without a doubt worth the cost, especially if you ever need it. According to a 2015 survey, the average American driver is overpaying over $750 every year so you should quote rates at least once a year to help ensure money is not being wasted.
Quote often and quote early
Discount Jeep Patriot insurance in Mesa can be found both online as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies do not provide online rate quotes and most of the time these small insurance companies only sell coverage through independent insurance agencies.
Insureds who switch companies do it for many reasons like not issuing a premium refund, high prices, unfair underwriting practices and lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company is easier than you think.
As you restructure your insurance plan, do not skimp on coverage in order to save money. In too many instances, an insured cut uninsured motorist or liability limits only to regret that the savings was not a smart move. The proper strategy is to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.
Steps to finding cheaper Jeep Patriot insurance in Mesa
It takes a few minutes, but the best way to save on car insurance rates is to begin comparing prices regularly from insurance carriers who can sell car insurance in Mesa.
- Take a few minutes and learn about what is in your policy and the factors you can control to lower rates. Many policy risk factors that result in higher prices like traffic tickets, fender benders, and a less-than-favorable credit rating can be eliminated by improving your driving habits or financial responsibility.
- Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like Progressive or Farmers Insurance, while independent agents can quote prices from multiple insurance companies. View a list of agents
- Compare the quotes to your current policy premium to see if you can save by switching companies. If you can save some money and decide to switch, ensure coverage does not lapse between policies.
- Notify your company or agent of your intention to cancel the current policy and submit any necessary down payment along with the completed application for the new policy. Once received, place the new certificate verifying proof of insurance in your vehicle.
A tip to remember is to use similar deductibles and liability limits on every quote request and and to get rate quotes from as many carriers as you can. Doing this guarantees the most accurate price comparison and the best price quote selection.
More tips and info about auto insurance is available in these articles:
- Preventing Carjacking and Theft (Insurance Information Institute)
- Who Has Cheap Car Insurance Quotes for a Nissan Rogue in Mesa? (FAQ)
- Who Has Affordable Mesa Auto Insurance Quotes for a Jeep Wrangler? (FAQ)
- Who Has the Cheapest Mesa Auto Insurance Quotes for High School Students? (FAQ)
- Who Has the Cheapest Mesa Car Insurance Rates for First-time Drivers? (FAQ)
- How Much is Mesa Car Insurance for Teenagers? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Good Students in Mesa? (FAQ)
- How Much are Mesa Car Insurance Quotes for Teachers? (FAQ)
- Vehicle Insurance (Wikipedia)
- Choosing a Car for Your Teen (State Farm)
- Auto Insurance FAQ (Farmers Insurance)