Auto Insurance Rate Quotes for a Jeep Patriot in Tampa

If your goal is the lowest price, then the best way to get the cheapest auto insurance rates is to start comparing rates regularly from insurance carriers that insure vehicles in Tampa.

1. Get an understanding of how companies set rates and the factors you can control to keep rates down. Many risk factors that cause high rates such as accidents, traffic tickets, and a negative credit score can be rectified by making small lifestyle or driving habit changes. Later in this article we will cover the details to get cheaper rates and find overlooked discounts.
2. Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes for a wide range of insurance providers.
3. Compare the new quotes to your existing coverage to determine if you can save on Patriot insurance. If you can save money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

The key thing to remember is to try to use the same amount of coverage on every quote and to quote with as many different insurance providers as possible. This guarantees an accurate price comparison and the most accurate and complete price analysis.

It’s easy to assume that insurance companies don’t want you to look for cheaper rates. People who compare price quotes are likely to switch companies because there is a good probability of finding a cheaper policy. A recent survey revealed that drivers who made a habit of comparing rates saved an average of $865 annually compared to those who never compared prices.

If finding budget-friendly car insurance in Tampa is the reason you’re reading this, understanding how to get rate quotes and compare insurance can make the process less intimidating.

Finding affordable insurance coverage in Tampa is quite easy if you know the best way to do it. If you’re already insured, you will definitely be able to find better prices using the tips covered below. Shoppers just have to use the most effective way to shop for insurance from multiple carriers.

Companies offer many types of discounts on Jeep Patriot insurance in Tampa

Car insurance is not cheap, but there’s a good chance there are discounts that may help make it more affordable. Certain discounts will be triggered automatically when you purchase, but some need to be asked for before you will receive the discount. If you don’t get every credit available, it’s possible you qualify for a lower rate.

• Driving Data Discount – Insureds that choose to allow driving data collection to spy on their driving habits by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if their driving habits are good.
• Anti-lock Brakes – Vehicles equipped with ABS or steering control can stop better under adverse conditions so companies give up to a 10% discount.
• Seat Belt Usage – Requiring all passengers to use a seat belt can save 10% or more off the PIP or medical payment premium.
• Low Mileage – Low mileage vehicles can earn better car insurance rates on cars that stay parked.
• Early Switch Discount – Some larger companies give discounts for switching to them before your current coverage expires. It could save around 10% when you buy Tampa auto insurance online.
• Theft Deterrent System – Cars and trucks that have factory anti-theft systems are less likely to be stolen so companies will give you a small discount.
• Auto/Home Discount – If you can combine your homeowners and auto policy and insure them both with the same insurance company you could save over 10 percent off each policy depending on the company.
• Driver Education Discount – Teen drivers should complete a driver education course in school or through a local driver safety program.
• Defensive Driving Course – Passing a course that instructs on driving safety can save you 5% or more and easily pay for the cost of the class.

Drivers should understand that most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like it’s possible to get free car insurance, nobody gets a free ride.

The illustration below shows the difference between Jeep Patriot insurance rates with and without discounts applied to the rates. The costs are based on a female driver, no claims, a clean driving record, Florida 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 claim-free, multi-car, marriage, homeowner, safe-driver, and multi-policy discounts applied.

Large car insurance companies and a selection of discounts include:

• 21st Century may offer discounts for student driver, 55 and older, automatic seat belts, driver training, homeowners, and theft prevention.
• Progressive discounts include multi-policy, online signing, continuous coverage, multi-vehicle, homeowner, good student, and online quote discount.
• State Farm offers discounts for passive restraint, driver’s education, good driver, Drive Safe & Save, and multiple autos.
• Nationwide has savings for business or organization, good student, Farm Bureau membership, easy pay, defensive driving, multi-policy, and accident-free.
• Esurance includes discounts for Switch & Save, emergency road assistance, homeowner, multi-car, and Pac-12 alumni.
• The Hartford offers discounts including anti-theft, air bag, vehicle fuel type, defensive driver, and driver training.

If you want the cheapest Jeep Patriot rate quotes, ask every company the best way to save money. All car insurance discounts may not be offered in your state.

Most companies allow you to get price estimates online. Getting online rates for Jeep Patriot insurance in Tampa is pretty painless as you just type in the coverages you want into the quote form. Once entered, their system automatically retrieves reports for credit and driving violations and generates pricing information. This makes comparing rates easy, and it’s also necessary to compare as many rates as possible in order to find the most affordable premium possible.

To quickly compare rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you type in deductibles and limits as shown on your current policy. This ensures you will receive a price comparison for similar coverage.

The companies shown below provide free quotes in Tampa, FL. If you want the best cheap car insurance in Tampa, we suggest you compare several of them in order to find the most affordable rates.

Rates and statistics

The coverage table displayed next outlines estimates of insurance coverage prices for Jeep Patriot models. Learning how rate quotes are figured can be valuable when making decisions when shopping around.

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price information does not factor in specific location which can influence coverage rates significantly.

Auto insurance deductibles

One common question asked by Tampa drivers is which comprehensive and collision deductibles to buy. The rates shown below show the premium difference between high and low physical damage coverage deductibles. The first data table uses a $250 deductible for comp and collision and the second rate chart uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Table data does not factor in Tampa location which can increase or decrease auto insurance rates substantially.

Based on this data, using a $250 deductible would cost the average driver about $27 more each month or $324 for a full year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 28 months between claims, you would probably save some money if you decide on a higher deductible.

Smart Consumers Can Lower Insurance Rates

Many factors are part of the calculation when you get a price on insurance. Some factors are common sense such as your driving record, but other factors are more obscure such as whether you are married or your vehicle rating.

• No insurance claims equals cheaper prices – Companies in Florida provide cheaper rates to people who are not frequent claim filers. If you’re an insured who likes to file claims you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance is meant to be used in the event of larger claims.

• Are you male or female? – Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Both genders cause fender benders in similar percentages, but guys cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like driving under the influence (DUI). Youthful male drivers tend to get in the most accidents so they pay the highest premiums.

  The information below shows the comparison of Jeep Patriot auto insurance costs for male and female drivers. Data assumes no claims or driving citations, full physical damage coverage, $100 deductibles, marital status is single, and no other discounts are factored in.

• Limits of liability – The liability section of your policy will protect you if you are ruled to be at fault for an accident. It will provide you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.

• Premiums are high for teenagers – Older insureds are more responsible, file fewer claims, and are safer drivers. Beginning drivers tend to be easily distracted when at the wheel of a vehicle therefore insurance rates are much higher.

  The data below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Safer cars save money – Safe vehicles cost less to insure. The safest vehicles help reduce the chance of injuries in an accident and better occupant protection means less claims paid passed on to you as lower rates. If the Jeep Patriot scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
• Deter car thieves – Owning a car with a theft deterrent system can earn a premium discount. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop car theft and help bring rates down.

• Traffic violations mean higher premiums – Even a single ticket may cause rates to rise forty percent or more. Drivers who don’t get tickets receive lower rates compared to bad drivers. Drivers unfortunate enough to have careless violations such as hit and run, DWI or reckless driving convictions might be required by their state to submit a SR-22 form with their state in order to legally drive a vehicle.

  The information below shows how violations and at-fault fender-benders can raise Jeep Patriot car insurance rates for different age categories. The premium estimates are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are factored in.

• Improve your credit history and save – Having a bad credit history will be a significant factor in your rate calculation. If your credit score could use some work, you could potentially save money when insuring your Jeep Patriot by taking the time to improve your credit score. Drivers with good credit tend to be better risks to insure than drivers who have worse credit.

• Jeep Patriot insurance loss statistics – Companies analyze claim trends for every vehicle to calculate a rate that offsets possible losses. Models that historically have higher frequency or amount of claims will have higher rates.

  The table shown below demonstrates the actual insurance loss data for Jeep Patriot vehicles. For each coverage type, the statistical loss for all vehicles, without regard to make or model, is considered to be 100. Percentages below 100 represent a good loss history, while percentage values above 100 indicate more frequent losses or an increased likelihood of larger losses.

  
  

  Jeep Patriot Insurance Loss Statistics

  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

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Insurance agents near you

Certain consumers still like to get advice from a local agent and that is OK! Professional agents are trained to spot inefficiencies and help in the event of a claim. A nice benefit of comparing rate quotes online is the fact that you can find cheap insurance quotes and still have an agent to talk to.

To help locate an agent, after submitting this form (opens in new window), your information is emailed to insurance agents in Tampa who will return price quotes for your business. It makes it easy because there is no need to search for any insurance agencies as quotes are delivered immediately to you. If for some reason you want to get a rate quote from one company in particular, just go to their quote page and give them your coverage information.

Selecting an company should include more criteria than just a cheap price quote. The questions below may impact your decision as well.

• Will they give you a referral list?
• Which companies can they place coverage with?
• When do they do policy reviews?
• What insurance companies do they recommend if they are an independent agent?
• Do you qualify for any additional discounts?
• If you are a high risk driver, do they have special markets for your coverage?

When finding a local Tampa insurance agent, it’s helpful to know the types of insurance agents to choose from. Agents in Tampa can either be independent or exclusive depending on the company they work for. Both sell and service insurance coverage, but it’s a good idea to understand the differences since it could factor into the kind of agent you use.

Exclusive Insurance Agencies

These type of agents can only provide one company’s prices and some examples include Farmers Insurance or State Farm. Exclusive agents cannot provide rate quotes from other companies so you might not find the best rates. Exclusive agents are very knowledgeable on the products they sell and that can be a competitive advantage.

Shown below are Tampa exclusive insurance agents that can give you price quotes.

More insurance agents

Independent Agents

These type of agents do not have single company limitations so as a result can place your coverage with many different companies and potentially find a lower price. If premiums increase, the business is moved internally which requires no work on your part.

If you need lower rates, we recommend you include rate quotes from a couple of independent agencies to maximize your price options.

Below is a short list of independent insurance agents in Tampa who can help you get price quote information.

More insurance agents

It may be expensive, but it’s not optional

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

• Almost all states have minimum liability requirements which means state laws require a specific level of liability coverage in order to be legal. 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 your vehicle has a lienholder, it’s guaranteed your bank will stipulate that you buy full coverage to guarantee payment of the loan. If the policy lapses, the bank or lender will purchase a policy for your Jeep at a significantly higher premium and make you pay the higher premium.
• Insurance safeguards not only your Jeep Patriot but also your assets. It will also provide coverage for all forms of medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are sued as the result of an accident. If your Jeep gets damaged, your car insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of having car insurance more than cancel out the cost, especially for larger claims. According to a recent study, the average American driver overpays as much as $800 each year so compare quotes from several companies every year to ensure rates are competitive.

More effort can pay off

As you quote Tampa auto insurance, you should never sacrifice coverage to reduce premiums. There are too many instances where an insured dropped full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at the lowest possible cost.

Some insurance providers do not provide online rate quotes and many times these regional carriers sell through independent agencies. The cheapest Jeep Patriot insurance in Tampa can be bought on the web and also from your neighborhood Tampa agents, so compare prices from both to get a complete price analysis.

More information is located at the links below

• Cellphones, Texting and Driving (iihs.org)
• Who Has Cheap Auto Insurance Quotes for a Toyota RAV4 in Tampa? (FAQ)
• Who Has Affordable Auto Insurance for a GMC Acadia in Tampa? (FAQ)
• What Auto Insurance is Cheapest for Handicapped Drivers in Tampa? (FAQ)
• Understanding your Policy (NAIC.org)
• Distracted Driving Statistics (Insurance Information Institute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)