Auto Insurance Quotes for a Jeep Patriot in Scottsdale

Insurance rates Jeep Patriot in ScottsdaleWe don’t have to tell you that insurance companies don’t want you shop around. People who do rate comparisons will presumably buy a new policy because there is a high probability of finding better rates. A recent survey revealed that consumers who compared rates once a year saved as much as $860 a year compared to people who never shopped around for cheaper prices.

If finding the lowest price on insurance is the reason for your visit, then having some insight into how to find companies and compare insurance premiums can make it easier to shop your coverage around.

The preferred way to get discount Jeep Patriot insurance in Scottsdale is to regularly compare price quotes from companies in Arizona. This can be done by completing these steps.

  1. Spend some time learning about how companies set rates and the steps you can take to keep rates in check. Many factors that drive up the price like accidents, traffic violations, and a less-than-favorable credit score can be improved by making minor driving habit or lifestyle changes. Read the full article for additional tips to get cheaper rates and get additional discounts that may have been overlooked.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like GEICO or State Farm, while independent agents can provide price quotes from many different companies.
  3. Compare the new rate quotes to your existing policy and see if you can save money. If you find a lower rate, ensure there is no coverage lapse between policies.

A good tip to remember is to use similar coverage information on every quote and to quote with all possible companies. Doing this helps ensure a fair rate comparison and many rates to choose from.

Choosing the most cost-effective auto insurance policy in Scottsdale is not that difficult as long as you know where to start. Just about everyone who needs cheaper auto insurance will probably find a lower price. But Arizona consumers must learn how companies determine prices because it varies considerably.

When comparison shopping, there are several ways of comparing rate quotes from all the different companies. The recommended way to do a complete rate comparison consists of shopping online. When comparing auto insurance rates, know that having more price comparisons provides better odds of finding more affordable insurance.

The providers in the list below are ready to provide free rate quotes in Arizona. If multiple companies are listed, we suggest you visit as many as you can to get the best price comparison.

Rates and statistics

The data table shown next covers detailed analysis of insurance coverage prices for Jeep Patriot models. Having a good understanding how rate quotes are calculated can aid in making smart choices when choosing a car insurance company.

Jeep Patriot Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $150 $238 $308 $18 $92 $806 $67
Patriot Sport 4WD $150 $238 $308 $18 $92 $806 $67
Patriot Limited 2WD $172 $290 $308 $18 $92 $880 $73
Patriot Limited 4WD $172 $290 $308 $18 $92 $880 $73
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Information does not factor in specific location which can revise premium rates greatly.

Analysis of deductible levels

When comparing car insurance rates, the most common question is which deductible level should you buy. The rates shown below lay out the difference in cost when you choose different physical damage deductibles. The first data set uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Jeep Patriot insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $202 $320 $300 $18 $90 $955 $80
Patriot Sport 4WD $202 $320 $300 $18 $90 $955 $80
Patriot Limited 2WD $232 $390 $300 $18 $90 $1,055 $88
Patriot Limited 4WD $232 $390 $300 $18 $90 $1,055 $88
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Jeep Patriot insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $124 $202 $300 $18 $90 $734 $61
Patriot Sport 4WD $124 $202 $300 $18 $90 $734 $61
Patriot Limited 2WD $144 $246 $300 $18 $90 $798 $67
Patriot Limited 4WD $144 $246 $300 $18 $90 $798 $67
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can affect insurance rates greatly.

We can derive from the above data that using a $250 deductible costs an average of $20 more each month or $240 for a full year than choosing the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 38 months between claims, you would save more money if you opt for a higher deductible. The table below illustrates a better example of how this determination is made.

Average monthly premium for $250 deductibles: $84
Average monthly premium for $1,000 deductibles (subtract): – $64
Monthly savings from raising deductible: $20
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

Jeep Patriot insurance rates: Men versus women

The diagram below shows the comparison of Jeep Patriot auto insurance costs for male and female drivers. Data assumes no claims, a clean driving record, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are taken into consideration.

Comparison of full coverage and liability-only policies

The information below illustrates the comparison of Jeep Patriot insurance prices when comparing full coverage to state minimum liability only. The rate quotes are based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are applied.

Guidelines for eliminating full coverage

There isn’t a steadfast formula to eliminate physical damage coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s say your Jeep Patriot settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $3,000 after the policy deductible has been paid. If it’s costing in excess of $300 annually to have full coverage, then you may want to consider only buying liability coverage.

There are a few situations where dropping physical damage coverage is not recommended. If you haven’t paid off your loan, you are required to maintain full 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 if your current one is in an accident, you should keep full coverage in place.

Auto insurance is not optional

Despite the high cost of buying insurance for a Jeep Patriot in Scottsdale, insuring your vehicle may not be optional for several reasons.

The benefits of buying enough insurance greatly outweigh the cost, especially for larger claims. As of last year, the average driver in Arizona is wasting up to $830 a year so it’s very important to do a rate comparison every year to save money.

Learn How to Quote Car Insurance at a Discount

Part of the car insurance buying process is learning the factors that come into play when calculating the price you pay for car insurance. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to lower rates.

The items below are some of the items used by companies to determine your prices.

Higher deductibles lower premiums – Coverage for physical damage, also called ‘full coverage’, insures against damage to your Jeep. Examples of covered claims are a broken side mirror, vandalism, or theft. Physical damage deductibles define the amount the insured will be required to pay before a claim is paid by your company. The larger the amount you’re willing to pay, the less your company will charge you for insurance.

Know your credit rating – Having a good credit score is likely to be a major factor in determining what you pay. Therefore, if your credit score is lower than you’d like, you could pay less to insure your Jeep Patriot by improving your rating. Drivers who have excellent credit scores tend to be better risks to insure than drivers who have bad credit.

Rural vs Urban Areas – Being located in a rural area can be a good thing when insuring your vehicles. Fewer drivers on the road means fewer accidents. City drivers have much more traffic and longer commutes to work. Spending more time driving means higher likelihood of an accident.

Insurance is expensive for youthful drivers – Young drivers in Arizona have been known to be easily distracted when driving and because of this, their car insurance rates are much higher. Having to add a first-time driver onto a policy can break the bank. Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims, and get fewer tickets.

The data below assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

Lower rates for safer vehicles – Cars with high safety ratings tend to be cheaper to insure. Vehicles engineered for safety result in less severe injuries and better occupant protection means your insurance company pays less which can mean better rates for you. If your Jeep is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

Avoid car insurance policy lapses – Having an insurance coverage lapse can be a fast way to bump up your car insurance costs. Not only will you pay higher rates, getting caught without coverage could earn you a license revocation or jail time. You will then be forced to prove you have insurance by filing a SR-22 with the Arizona motor vehicle department to get your license reinstated.

Does your vocation raise your rates? – Occupations such as doctors, air traffic controllers, and emergency personnel are shown to have the highest rates attributed to intense work situations and long work hours. Conversely, professions such as professors, athletes and performers pay lower than average rates.

Marriage is a factor – Having a spouse may earn you lower rates compared to being single. Having a significant other translates into being more stable financially it has been statistically shown that married drivers get in fewer accidents.

Jeep Patriot insurance loss statistics – Insurance companies use historical loss data to determine a rate that will be profitable for them. Models that tend to have higher claim frequency or loss amount will cost more to insure.

The next table illustrates the insurance loss data for Jeep Patriot vehicles. For each policy coverage, the statistical loss for all vehicles averaged together equals 100. Values that are below 100 indicate better than average losses, while numbers shown that are more than 100 indicate more frequent claims or an increased likelihood of larger losses.

Jeep Patriot Insurance Loss Statistics
Vehicle Make and 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

Statistics from for 2013-2015 Model Years

These discounts can lower your auto insurance quotes

Some companies do not advertise their entire list of discounts in an easy-to-find place, so below is a list a few of the more common and the more hidden credits available to bring down your rates. If you’re not getting every credit you qualify for, you may be paying too high a price.Cheaper auto insurance with discounts

Policy discounts save money, but most discount credits are not given to the whole policy. Most only apply to specific coverage prices like medical payments or collision. Despite the appearance that adding up those discounts means a free policy, it just doesn’t work that way.

The information below visualizes the comparison of Jeep Patriot car insurance rates with and without discounts applied to the policy rates. The information is based on a female driver, a clean driving record, no claims, Arizona 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, safe-driver, multi-policy, multi-car, claim-free, and marriage discounts applied.

Some of the larger companies who might offer some of the discounts shown above possibly include:

Check with all the companies which credits you are entitled to. All car insurance discounts may not apply in Scottsdale.

Special considerations

When selecting adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique and your insurance should unique, too.Higher deductibles save money
For instance, these questions could help you determine if your situation might need professional guidance.

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

When should I talk to an insurance agency?

Some consumers would prefer to get advice from a local agent and that is not a bad decision One of the best bonuses of price shopping on the web is you can get better rates and also buy local.

Upon completion of this simple form, your coverage information is emailed to companies in Scottsdale who will gladly provide quotes to get your business. You don’t have to do any legwork because quoted prices will be sent straight to your inbox. You can find better rates without the usual hassles of price shopping. If you want to get a comparison quote from a specific auto insurance provider, you just need to search and find their rate quote page and give them your coverage information.

Finding the right company should depend on more than just the bottom line cost. Here are some questions you should ask.

When finding a reputable agency, it’s important to understand the types of agencies and how they function. Scottsdale agents can be categorized as either independent (non-exclusive) or exclusive.

Exclusive Agents

These agents can only place business with one company such as State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to compare other company’s rates so they have no alternatives for high prices. They are very knowledgeable on what they offer which helps them compete with independent agents. Some insured continue to purchase coverage from exclusives mainly due to the prominence of the brand instead of buying on price only.

The following are exclusive insurance agencies in Scottsdale that are able to give comparison quotes.

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Independent Agents

Agents in the independent channel do not have single company limitations and that gives them the ability to insure with multiple insurance companies enabling the ability to shop coverage around. If they quote lower rates, they can switch companies in-house which is easy for the insured. If you are comparing auto insurance prices, it’s recommended you get some free quotes from several independent insurance agents to get the most accurate price comparison. They also have the ability to place coverage with smaller regional carriers that can offer cheaper rates than bigger companies.

Shown below are independent insurance agencies in Scottsdale that are able to give price quote information.

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Affordable insurance premiums are possible

When you buy Scottsdale auto insurance online, it’s a bad idea to reduce needed coverages to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at the best price, but do not skimp to save money.

In this article, we presented quite a bit of information on how to compare Jeep Patriot insurance premium rates in Scottsdale. It’s most important to understand that the more providers you compare, the higher your chance of finding affordable Scottsdale auto insurance quotes. You may even find the best premium rates are with a smaller regional carrier. These companies may have significantly lower prices on certain market segments than their larger competitors like Allstate and Progressive.

Lower-priced insurance in Scottsdale is available on the web in addition to many Scottsdale insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and these small insurance companies sell through local independent agents.

Additional detailed information is available in the articles below: