Jeep Patriot Insurance Quotes in Orlando

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Do you need a better way to compare cheaper Jeep Patriot insurance in Orlando? Trying to come up with a payment for high-priced car insurance can take a big chunk out of your accounts and possibly require postponing other expenditures. Shopping your coverage around is a smart way to make sure you're not throwing money away.

Discount Jeep Patriot insuranceIt's a fact that auto insurance companies don't want you quoting rates from other companies. Consumers who get comparison quotes once a year will, in all likelihood, switch companies because there is a great chance of finding a cheaper policy. A recent survey found that drivers who compared price quotes annually saved on average $72 a month as compared to drivers who never shopped around for better prices.

If finding the cheapest price on Jeep Patriot insurance in Orlando is your ultimate goal, then understanding how to get free comparison quotes and analyze cheaper coverage can make the process more efficient.

Companies like Progressive, GEICO and Farmers Insurance increase brand awareness with fancy advertisements and it can be hard to see through the deception and effectively compare rates to find the best deal.

Most of the larger companies such as Progressive, GEICO, Allstate and State Farm allow you to get pricing on their websites. Comparing Jeep Patriot insurance rates online is quite simple as you just enter your personal and coverage information on the page. When the form is submitted, their rating system sends out for reports for credit and driving violations and generates pricing information based on many factors. Getting online price quotes for Jeep Patriot insurance in Orlando makes it a lot easier to compare rates and it's very important to compare as many rates as possible in order to find the best rate on car insurance.

To find out if lower rates are available, consider comparing rates from the companies shown below. If you have coverage now, it's recommended you input the limits and deductibles identical to your current policy. This way, you will be getting comparison quotes based on identical coverages.

The companies in the list below are ready to provide price comparisons in Florida. If you want cheap car insurance in Orlando, we recommend you get prices from several of them to get a more complete price comparison.

Why do I need car insurance?

Even though it can be expensive, maintaining insurance is mandatory in Florida but it also protects more than you think.

  • Most states have compulsory liability insurance requirements which means you are required to buy a specific level of liability if you don't want to risk a ticket. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you bought your Jeep Patriot with a loan, it's most likely the lender will require you to buy full coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the lender may insure your Jeep at a much higher rate and make you pay the higher premium.
  • Insurance safeguards not only your Jeep Patriot but also your assets. It will also cover hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage will also pay attorney fees if you cause an accident and are sued. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of buying enough insurance greatly outweigh the cost, especially when you need to use it. As of last year, the average driver in Florida overpays more than $865 each year so shop around once a year at a minimum to ensure rates are competitive.

Rates and statistics

The coverage information below showcases different insurance premium costs for Jeep Patriot models. Learning more about how car insurance premiums are determined is important for you to make informed decisions when comparing rates.

Jeep Patriot Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $270 $504 $542 $32 $162 $1,510 $126
Patriot Sport 4WD $270 $504 $542 $32 $162 $1,510 $126
Patriot Limited 2WD $310 $614 $542 $32 $162 $1,660 $138
Patriot Limited 4WD $310 $614 $542 $32 $162 $1,660 $138
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in zip code location which can alter auto insurance rates substantially.

Rate comparison for different deductibles

When comparing car insurance rates, the most common question is which deductibles should you choose. The rates below lay out the cost difference between high and low coverage deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Jeep Patriot insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $312 $532 $418 $24 $124 $1,435 $120
Patriot Sport 4WD $312 $532 $418 $24 $124 $1,435 $120
Patriot Limited 2WD $358 $648 $418 $24 $124 $1,597 $133
Patriot Limited 4WD $358 $648 $418 $24 $124 $1,597 $133
Get Your Own Custom Quote Go
Jeep Patriot insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $174 $280 $418 $24 $124 $1,020 $85
Patriot Sport 4WD $174 $280 $418 $24 $124 $1,020 $85
Patriot Limited 2WD $200 $342 $418 $24 $124 $1,108 $92
Patriot Limited 4WD $200 $342 $418 $24 $124 $1,108 $92
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in specific location information which can alter rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $38 more each month or $456 every year than buying the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 24 months between claim filings, you would save more money if you choose the higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $127
Average monthly premium for $1,000 deductibles (subtract): - $89
Monthly savings from raising deductible: $38
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

The example below illustrates how your choice of deductibles and can influence Jeep Patriot insurance premiums for different age groups. The premiums are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

Impact of violations and accidents on rates in Orlando

The information below illustrates how speeding tickets and at-fault accidents can impact Jeep Patriot insurance costs for different ages of insureds. The prices are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

Car insurance rates based on gender

The illustration below shows the difference between Jeep Patriot car insurance costs for male and female drivers. The prices are based on a clean driving record, no claims, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied.

Full coverage or liability only

The diagram below illustrates the difference between Jeep Patriot car insurance costs with and without full coverage. The prices are based on a clean driving record, no at-fault accidents, $250 deductibles, marital status is single, and no other discounts are factored in.

Guidelines for dropping full coverage

There is no exact formula to drop full coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let's assume your Jeep Patriot settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $5,000 after paying your deductible. If you are paying over $500 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are some conditions where dropping full coverage is not in your best interest. If you haven't satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage.

Lower rates by qualifying for discounts

Some insurers don't always advertise their entire list of discounts very well, so the list below contains a few of the more well known as well as some of the hidden credits that you can use to lower your rates.Cheaper insurance with discounts

  • Sign Early and Save - Select insurance companies give a discount for switching to them prior to your current Patriot insurance policy expiring. Ten percent is about the average savings.
  • ABS Braking Discount - Vehicles that have anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Seat Belt Discounts - Drivers who require all occupants to wear their seat belts can save 10% or more on medical payment and PIP coverage.
  • Military Deployment Discount - Being on active deployment in the military could qualify you for better prices.
  • Club Memberships - Joining a qualifying organization can get you a small discount on your next insurance statement.
  • No Charge for an Accident - This one is not really a discount per se, but certain companies will allow you to have one accident without getting socked with a rate hike so long as you are claim-free prior to the accident.
  • Low Miles Discount - Low mileage vehicles can qualify you for substantially lower insurance rates.
  • 55 and Retired - If you qualify as a senior citizen, you may qualify for lower premium rates.
  • Full Payment Discount - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Discount for Good Grades - Performing well in school may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.

We need to note that some credits don't apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, companies wouldn't make money that way.

The chart below illustrates the comparison of Jeep Patriot car insurance rates with and without discounts applied to the premium. Data assumes a male driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, marriage, safe-driver, and multi-policy discounts applied.

A few popular companies and their offered discounts can be read below.

  • GEICO may offer discounts for defensive driver, good student, military active duty, federal employee, multi-policy, seat belt use, and daytime running lights.
  • Mercury Insurance may include discounts for good driver, ease of repair, age of vehicle, location of vehicle, good student, accident-free, and low natural disaster claims.
  • Farmers Insurance offers discounts including electronic funds transfer, switch companies, teen driver, multi-car, and good student.
  • Auto-Owners Insurance has discounts for paperless, mature driver, safe driver, good student, multi-policy, and teen driver.
  • Liberty Mutual offers discounts for newly married, multi-policy, new graduate, teen driver discount, hybrid vehicle, and new vehicle discount.
  • SAFECO discounts include anti-theft, homeowner, teen safety rewards, safe driver, and drive less.
  • Progressive may have discounts that include continuous coverage, multi-vehicle, good student, online quote discount, and multi-policy.
  • USAA has savings for multi-vehicle, annual mileage, vehicle storage, new vehicle, multi-policy, military installation, and driver training.

If you are trying to find low cost Orlando auto insurance quotes, ask every company what discounts are available to you. All car insurance discounts may not apply to policyholders in every state.

When to get professional advice

When it comes to proper insurance coverage, there is no cookie cutter policy. Each situation is unique and your car insurance should unique, too.Higher deductibles save money These are some specific questions may help highlight if you might need professional guidance.

  • Is there a penalty for late payment?
  • Is a blown tire covered by insurance?
  • What does roadside assistance cover?
  • Who is covered by my policy?
  • Do I need replacement cost coverage on my Jeep Patriot?
  • Can I still get insurance after a DUI?
  • Why am I required to get a high-risk car insurance policy?

If you can't answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.