It takes a little time, but the best way to find more affordable Jeep Patriot insurance is to start comparing prices yearly from providers who provide auto insurance in Plano. You can compare prices by completing these steps.
- Step 1: Read about car insurance and the modifications you can make to prevent rate increases. Many risk factors that are responsible for high rates such as inattentive driving and a substandard credit history can be remedied by making small lifestyle or driving habit changes. This article gives additional tips to get affordable coverage and find more discounts that you may not know about.
- Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can give you price quotes from multiple insurance companies.
- Step 3: Compare the price quotes to your existing policy and see if there is a cheaper rate in Plano. If you can save some money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Provide notification to your current agent or company to cancel your current auto insurance policy. Submit the completed application along with a down payment to the new company. As soon as coverage is bound, place your new proof of insurance paperwork along with your vehicle registration.
An important part of this process is to try to compare identical deductibles and limits on every quote and and to get rate quotes from every insurance company. Doing this guarantees a level playing field and the best price selection.
Smart shoppers know that insurance companies don’t want you to compare rates. Consumers who get comparison quotes once a year will presumably switch insurance companies because the odds are good of getting low-cost coverage. Surprisingly, a recent survey revealed that drivers who routinely compared rates saved about $3,400 over four years compared to those who never compared prices.
If finding the best rates on Jeep Patriot insurance is your target objective, then knowing the best way to quote and compare coverages can help simplify the process.
If you currently have auto insurance, you will most likely be able to lower your rates using the following tips. Finding quotes for affordable policy in Plano is quite easy. Although Texas vehicle owners can benefit by having an understanding of how insurance companies determine how much to charge and apply this information to your search.
Just remember that comparing more prices will enable you to find a lower rate than you’re paying now. Some insurance companies are not set up to provide online rate quotes, so you also need to get rates from the smaller companies as well.
The companies shown below offer quotes in Texas. If you want to find the best car insurance in Plano, TX, we recommend you compare several of them in order to find the cheapest rates.
Premium rates and analysis
The table displayed next showcases detailed analysis of insurance policy prices for Jeep Patriot models. Understanding how auto insurance premiums are formulated can assist in making decisions when shopping your coverage around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Patriot Sport 2WD||$122||$212||$358||$22||$108||$822||$69|
|Patriot Sport 4WD||$122||$212||$358||$22||$108||$822||$69|
|Patriot Limited 2WD||$140||$260||$358||$22||$108||$888||$74|
|Patriot Limited 4WD||$140||$260||$358||$22||$108||$888||$74|
|Get Your Own Custom Quote Go|
Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Price information does not factor in specific garaging location which can modify coverage prices noticeably.
The information below demonstrates how choosing different deductibles and can affect Jeep Patriot insurance premiums for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.
How careless driving impacts insurance rates
The chart below illustrates how traffic citations and fender-benders can drive up Jeep Patriot yearly insurance costs for different age groups. The data is based on a single female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
Premiums by gender and age
The chart below shows the comparison of Jeep Patriot insurance rates for male and female drivers. The data assumes no tickets, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, single marital status, and no discounts are applied.
Jeep Patriot full coverage rates compared to liability only
The information below illustrates the comparison of Jeep Patriot insurance rates when comparing full coverage to liability only. The prices are based on no violations or claims, $100 deductibles, single marital status, and no discounts are factored in.
Deciding between full coverage and liability only
There is no exact rule for dropping physical damage coverage, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s pretend your Jeep Patriot replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,000 after the deductible is paid. If it’s costing you more than $800 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are some cases where eliminating full coverage is not advised. If you haven’t satisfied your loan, you are required to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not buy liability only.
Do I just need basic coverages?
When quoting and choosing proper insurance coverage, there is no “perfect” insurance plan. Your situation is unique and your auto insurance should be unique as well.
These are some specific questions could help you determine whether or not you could use an agent’s help.
- How much can I save by bundling my policies?
- Are there any extra discounts I can get?
- Does insurance cover damages from a DUI accident?
- Will damage be repaired with OEM parts?
- What can I do if my company denied a claim?
- Do I need roadside assistance coverage?
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.
When to get advice from an insurance agent
A small number of people just prefer to visit with an insurance agent and that is OK! One of the best bonuses of comparing rates online is that drivers can save money and get the best rates and still buy from a local agent. And providing support for local insurance agents is important particularly in Plano.
To make it easy to find an agent, after completing this simple form, your information is sent to insurance agents in Plano who will give you bids and help you find cheaper coverage. You won’t need to contact an agency since price quotes are sent to you instantly. You can most likely find cheaper rates without having to waste a lot of time. If for some reason you want to compare prices from a specific insurance company, you would need to search and find their rate quote page to submit a rate quote request.
Types of car insurance agents in Plano
When narrowing the list to find an insurance agent, you should know the types of insurance agents and how they work. Agents are considered either independent or exclusive.
Independent Car Insurance Agencies
These type of agents do not write with just one company and that gives them the ability to insure through many different car insurance companies and potentially find a lower price. If prices rise, they simply switch companies in-house and the insured can keep the same agent.
When searching for an agent, you should always contact multiple independent agents for the best price selection. They also have the ability to place coverage with mutual insurance companies that many times have cheaper rates.
Listed below is a short list of independent insurance agents in Plano that can possibly get you pricing information.
- Encore Insurance Agency, L.L.C.
2301 Ohio Dr – Plano, TX 75093 – (877) 745-5005 – View Map
- Sterling Insurance Group
3415 Custer Rd #161 – Plano, TX 75023 – (972) 964-4825 – View Map
- A-Z Insurance Agency
1110 E Parker Rd #106 – Plano, TX 75074 – (972) 200-5070 – View Map
Exclusive insurance agents are contracted to one company such as State Farm, AAA, and Liberty Mutual. They are unable to compare rates from other companies so they have to upsell other benefits. Exclusive agents are well schooled in insurance sales and that enables them to sell even at higher rates. Consumers sometimes use the same agent mostly because of the prominence of the brand rather than having low rates.
The following are Plano exclusive insurance agents that can give you price quotes.
- Allstate Insurance: Tinh Tieu
1721 W Plano Pkwy Ste 127 – Plano, TX 75075 – (972) 596-5511 – View Map
- Ruth Bookhammer – State Farm Insurance Agent
1106 14th St – Plano, TX 75074 – (469) 814-0551 – View Map
- Earl Manns Jr – State Farm Insurance Agent
3020 Legacy Dr #190 – Plano, TX 75023 – (972) 208-3705 – View Map
Finding the right insurance agency should include more criteria than just a cheap price. The following questions are important to ask.
- What insurance companies do they recommend if they are an independent agent?
- Is the agent CPCU or CIC certified?
- How long has their agency been in business in Plano?
- Are they able to influence company decisions when a claim is filed?
- Will the quote change when the policy is issued?