Save on Jeep Patriot Insurance in Los Angeles

Finding better insurance prices for a Jeep Patriot in California can be difficult, but you can use the following methods to find lower rates.

There is a better way to compare insurance rates and we’ll show you the absolute fastest way to get price quotes on a Jeep and get the lowest price from Los Angeles insurance agents and online providers.

All the larger auto insurance companies provide pricing on the web. Getting online quotes for Jeep Patriot insurance in Los Angeles is fairly simple as you just type in your coverage information as detailed in the form. After you complete the form, their system pulls your driving and credit reports and generates a price.

This helps simplify price comparisons, and it is important to do this if you want to get the most affordable premium possible.

To find out if lower rates are available, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you type in the insurance coverages as shown on your current policy. This guarantees you will have rate quotes based on the exact same insurance coverage.

The companies shown below have been selected to offer quotes in California. If multiple providers are shown, we suggest you visit two to three different companies in order to get a fair rate comparison.

Rates and other information

The information shown below covers detailed analysis of insurance premium costs for Jeep Patriot models. Having knowledge of how insurance quotes are formulated can aid in making smart policy decisions.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Estimates do not factor in vehicle location which can impact coverage rates noticeably.

Deductible comparison

The hardest decision when buying coverage is how high should your deductibles be. The following tables can help illustrate the rate fluctuation between high and low deductibles. The first rate table uses a $250 deductible and the second price grid uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Information does not factor in zip code location which can influence coverage prices considerably.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $16 more each month or $192 annually averaged for all Patriot models than selecting the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally average more than 16 months between claim filings, you would save money by going with a higher deductible. The table below shows how you can do this calculation yourself.

One important issue to know is that increasing deductibles to save money results in more money out-of-pocket when you have a claim. You need to have enough extra money in the event you have to pay more for the deductible.

The chart below illustrates how choosing a deductible and can influence Jeep Patriot insurance costs for each age group. The premiums assume a single male driver, comp and collision included, and no additional discounts are factored in.

How accidents and tickets impact rates

The illustration below shows how violations and accidents raise Jeep Patriot yearly insurance costs for different insured age categories. The premiums assume a married female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

Rate comparison of males versus females

The diagram below shows the difference between Jeep Patriot auto insurance rates for male and female drivers. The data assumes no accidents, no driving violations, comp and collision included, $250 deductibles, drivers are single, and no other discounts are factored in.

Jeep Patriot liability rates compared to full coverage

The chart below shows the difference between Jeep Patriot car insurance costs with full coverage and liability only. The rate quotes are based on no claims or driving citations, $100 deductibles, single marital status, and no policy discounts are applied.

Guidelines for eliminating full coverage

There is no definitive rule to delete physical damage insurance, but there is a guideline you can consider. 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 you may want to consider only buying liability coverage.

For example, let’s pretend your Jeep Patriot claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying your deductible. If you are paying more than $400 annually for full coverage, then it may be the right time to buy liability only.

There are some scenarios where only buying liability is not a good idea. If you still owe money on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.

Best reasons to buy car insurance in California

Despite the fact that car insurance is not cheap in Los Angeles, paying for car insurance is not optional due to several reasons.

• The majority of states have mandatory liability insurance requirements which means state laws require a specific minimum amount of liability insurance in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you took out a loan on your Patriot, almost every bank will require that you have full coverage to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank or lender will purchase a policy for your Jeep at a more expensive rate and require you to reimburse them much more than you were paying before.
• Insurance safeguards not only your Jeep but also your financial assets. It will also cover medical bills for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued 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 repair the damage minus the deductible amount.

The benefits of insuring your Patriot greatly outweigh the cost, particularly if you ever have a claim. Today the average American driver is overpaying over $825 a year so we recommend shopping around at every policy renewal to be sure current rates are still competitive.

Save with these eight discounts on Jeep Patriot insurance in Los Angeles

Companies that sell car insurance don’t necessarily list their entire list of discounts in a way that’s easy to find, so here is a list some of the best known in addition to some of the lesser obvious discounts that you may qualify for.

• Online Discount – Many companies may give you up to $50 for buying a policy and signing up on the web.
• Sign Early and Save – Some larger companies give discounts for signing up prior to your current Patriot insurance policy expiring. It could save around 10% when you buy Los Angeles car insurance online.
• Full Payment Discount – By paying your policy upfront rather than paying monthly you can avoid monthly service charges.
• Discount for New Cars – Adding a new car to your policy can save up to 30% since newer vehicles have better safety ratings.
• Life Insurance – Car insurance companies who offer life insurance give a small discount if you purchase a life insurance policy as well.
• Accident Free – Drivers with accident-free driving histories can earn big discounts in comparison to drivers who are more careless.
• Home Ownership Discount – Just owning your own home can earn you a little savings since owning and maintaining a home shows financial diligence.
• College Student Discount – Older children living away from Los Angeles attending college and leave their car at home can receive lower rates.

You should keep in mind that some credits don’t apply to the entire cost. Most only reduce the cost of specific coverages such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

The example below visualizes the comparison of Jeep Patriot car insurance rates with and without policy discounts. The rates are based on a male driver, no claims or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, claim-free, multi-car, and safe-driver discounts applied.

Companies and their offered discounts are included below.

• GEICO may have discounts that include multi-vehicle, driver training, five-year accident-free, defensive driver, daytime running lights, seat belt use, and multi-policy.
• Mercury Insurance has discounts for accident-free, age of vehicle, good driver, anti-theft, low natural disaster claims, and location of vehicle.
• Farmers Insurance policyholders can earn discounts including electronic funds transfer, bundle discounts, mature driver, homeowner, switch companies, and teen driver.
• Auto-Owners Insurance offers premium reductions for anti-lock brakes, group or association, company car, mature driver, anti-theft, multiple vehicles, and air bags.
• Liberty Mutual may include discounts for hybrid vehicle, new vehicle discount, new graduate, good student, newly retired, preferred payment discount, and new move discount.
• SAFECO offers discounts including bundle discounts, homeowner, teen safety rewards, drive less, anti-theft, safe driver, and anti-lock brakes.
• Progressive offers discounts for online signing, continuous coverage, good student, online quote discount, multi-policy, multi-vehicle, and homeowner.
• USAA may offer discounts for new vehicle, good student, defensive driver, annual mileage, family discount, loyalty savings, and multi-policy.

Before buying, ask every prospective company to apply every possible discount. Some of the discounts discussed earlier may not be offered in your state. To locate insurers that can offer you the previously mentioned discounts in Los Angeles, follow this link.

There’s no such thing as the perfect car insurance policy

When it comes to choosing the best car insurance coverage, there really isn’t a one-size-fits-all type of policy. Everyone’s situation is a little different and your car insurance should be unique as well.
Here are some questions about coverages that might help in determining if your situation might need an agent’s assistance.

• Is my camper covered for physical damage?
• Should I buy additional glass protection?
• When should I remove my kid from my policy?
• Am I covered if hit by an uninsured driver?
• Am I insured when driving a different vehicle?
• What is the ISO rating for a Jeep Patriot?
• Should I file a claim if it’s only slightly more than my deductible?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Shop online but buy locally

Many drivers just want to sit down with an agent and that is a smart decision Agents are very good at helping people manage risk and help file insurance claims. An additional benefit of comparing insurance online is the fact that drivers can get lower car insurance rates and still choose a local agent. Supporting local agents is important particularly in Los Angeles.

After completing this short form, your information is emailed to agents in your area that give free quotes to get your business. It’s much easier because you don’t need to contact an agency as quotes are delivered to you directly. If for some reason you want to get a comparison quote from a particular provider, you would need to find their quoting web page and submit a quote form there.

When looking for a local insurance agency, there are a couple of different agency structures and how they differ in how they quote coverages. Insurance agents in Los Angeles are either independent agents or exclusive agents. Either can properly insure your vehicles, but it’s important to point out how they are different since it may influence the selection process.

Independent Insurance Agents (or Brokers)

Agents that choose to be independent are not limited to a single company and that gives them the ability to insure amongst many companies and find you the best rates. To move your coverage to a new company, your policy is moved internally and the insured can keep the same agent.

When comparing insurance prices, we recommend you get several quotes from a couple of independent agencies for maximum quote selection. Most can insure with small regional insurance companies that many times have cheaper rates.

Shown below is a small list of independent agencies in Los Angeles who can help you get competitive price quotes.

• Starco Insurance
  1905 S Western Ave #19 – Los Angeles, CA 90018 – (310) 215-9991 – View Map
• Malcom Brown Insurance Agency
  2861 Robertson Blvd – Los Angeles, CA 90034 – (310) 280-0946 – View Map
• STARC INSURANCE AGENCY,INC
  5250 W Century Blvd #426 – Los Angeles, CA 90045 – (888) 400-4004 – View Map

View more agents

Exclusive Insurance Agencies

Exclusive agencies can only place business with one company and examples are State Farm, Allstate and AAA. Exclusive agents cannot provide prices from multiple companies so keep that in mind. Exclusive agents are trained well on what they offer which helps them compete with independent agents. Some people will only purchase coverage from exclusives primarily because of the brand name rather than having low rates.

Shown below is a list of exclusive insurance agents in Los Angeles willing to provide comparison quotes.

• Helen Lee – State Farm Insurance Agent
  2535 W Olympic Blvd – Los Angeles, CA 90006 – (213) 738-0700 – View Map
• Laura Mora – State Farm Insurance Agent
  5858 N Figueroa St a – Los Angeles, CA 90042 – (323) 478-9346 – View Map
• Young Pyo – State Farm Insurance Agent
  3700 Wilshire Blvd #567 – Los Angeles, CA 90010 – (213) 365-1600 – View Map

View more agents

Picking an car insurance agent requires more thought than just the price. These questions are important to ask:

• If your car is totaled, how to they determine the replacement cost?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• How will an accident affect your rates?
• Does their agency support local causes in Los Angeles?
• Do they reduce claim amounts on high mileage vehicles?

Auto insurance policy coverages for a Jeep Patriot

Understanding the coverages of auto insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average auto insurance policy.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for prosthetic devices, nursing services and funeral costs. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like rock chips in glass, damage from flooding, a tree branch falling on your vehicle, vandalism and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, sideswiping another vehicle, hitting a parking meter, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible on your Patriot to save money on collision insurance.

Auto liability insurance

Liability coverage will cover damage that occurs to people or other property. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 15/30/5 which stand for a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and $5,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like emergency aid, medical services, medical expenses and funeral expenses. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible. California requires drivers to carry at least 15/30/5 but you should think about purchasing higher limits.

The chart below demonstrates why buying low liability limits may not provide you with enough coverage.

UM/UIM Coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many California drivers have only the minimum liability required by law (15/30/5), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Don’t give up on affordable premiums

We just covered some good ideas how you can lower your Jeep Patriot insurance rates in Los Angeles. The key concept to understand is the more times you quote, the better your comparison will be. Drivers may even discover the best rates are with a lesser-known regional company. Regional companies may often insure only within specific states and give better rates compared to the large companies like Allstate and Progressive.

As you quote Los Angeles car insurance, never reduce needed coverages to save money. There are too many instances where someone dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The goal is to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.

Additional information

• Choosing a Car for Your Teen (State Farm)
• Who Has Cheap Los Angeles Auto Insurance Quotes for Postal Workers? (FAQ)
• Who Has Affordable Auto Insurance for a Ford Focus in Los Angeles? (FAQ)
• Who Has Affordable Car Insurance Quotes for a Ford Escape in Los Angeles? (FAQ)
• What Auto Insurance is Cheapest for Safe Drivers in Los Angeles? (FAQ)
• Who Has Affordable Los Angeles Car Insurance Quotes for Active Military? (FAQ)
• Side Impact Crash Tests (iihs.org)
• Auto Theft Statistics (Insurance Information Institute)
• Older Drivers FAQ (iihs.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)