Do you want to stop overpaying and find the cheapest Jeep Patriot insurance in Tucson? Getting affordable Tucson Jeep Patriot insurance quotes might appear somewhat difficult for consumers new to quoting and comparing prices on the web. With such a large number of companies in the marketplace, how can consumers even start to compare the different rates to find the best price?
It’s an obvious statement that car insurance companies want to keep your business as long as possible. Drivers who shop around for a cheaper policy will, in all likelihood, switch companies because there is a high probability of finding a more affordable policy. A recent survey found that drivers who routinely compared quotes saved on average $3,400 over four years compared to other drivers who never shopped around for better prices.
If finding the lowest price on insurance is the reason you’re reading this, knowing how to choose a company and compare cheaper coverage can save time and make the process easier.
You need to compare rates before your next renewal due to the fact that insurance rates tend to go up over time. Despite the fact that you may have had the best deal on Jeep Patriot insurance in Tucson at your last renewal you can probably find a better price now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the only way to properly buy coverages while reducing your premium.
When comparison shopping, comparing a wide range of rates helps improve the odds of finding more affordable insurance.
The companies shown below are our best choices to provide quotes in Arizona. To buy the best cheap auto insurance in Arizona, it’s highly recommended you visit several of them to get a more complete price comparison.
Coverage analysis
The data table shown below showcases estimates of insurance rates for Jeep Patriot models. Being more informed about how car insurance prices are figured is important for you to make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $182 | $318 | $404 | $24 | $122 | $1,050 | $88 |
| Patriot Sport 4WD | $182 | $318 | $404 | $24 | $122 | $1,050 | $88 |
| Patriot Limited 2WD | $210 | $388 | $404 | $24 | $122 | $1,148 | $96 |
| Patriot Limited 4WD | $210 | $388 | $404 | $24 | $122 | $1,148 | $96 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in specific garaging location which can decrease or increase auto insurance rates greatly.
The illustration below illustrates how your deductible choice and can affect Jeep Patriot yearly insurance costs for different age groups. The price estimates are based on a married male driver, full coverage, and no policy discounts are applied.
Poor driving habits will raise your insurance rates
The chart below illustrates how speeding tickets and accident claims impact Jeep Patriot yearly insurance costs for different categories of driver ages. The rate quotes are based on a single male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.
Male drivers versus female drivers
The example below compares Jeep Patriot auto insurance rates for male and female drivers. Data assumes no violations or accidents, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are factored in.
Car insurance is not optional in Arizona
Even though it can be expensive, car insurance may be mandatory for several reasons.
- Just about all states have mandatory liability insurance requirements which means state laws require a specific minimum amount of liability if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Patriot, it’s guaranteed your bank will stipulate that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your Jeep at a significantly higher premium and require you to fork over for it.
- Insurance protects not only your car but also your assets. It will also cover hospital and medical expenses incurred in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance are without a doubt worth the cost, specifically if you ever have a liability claim. As of last year, the average driver in Arizona is overpaying over $810 a year so compare rate quotes at every renewal to help ensure money is not being wasted.
Parts of your car insurance policy
Understanding the coverages of your car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.
Medical payments and PIP coverage
Med pay and PIP coverage kick in for expenses for things like EMT expenses, ambulance fees and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Jeep Patriot.
Since many Arizona drivers only purchase the least amount of liability that is required (15/30/10 in Arizona), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Comprehensive auto coverage
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as damage from a tornado or hurricane, damage from getting keyed, rock chips in glass and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Coverage for collisions
Collision coverage pays for damage to your Patriot from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things like crashing into a building, sideswiping another vehicle, crashing into a ditch, hitting a parking meter and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible on your Patriot to bring the cost down.
Auto liability
This provides protection from damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 15/30/10 that translate to a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $10,000. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against claims such as repair bills for other people’s vehicles, medical services, medical expenses and loss of income. How much coverage you buy is your choice, but you should buy higher limits if possible. Arizona requires drivers to carry at least 15/30/10 but drivers should carry higher limits.
The next chart demonstrates why minimum state limits may not be enough.
Final considerations
We’ve covered a lot of ways to get a better price on Jeep Patriot insurance in Tucson. It’s most important to understand that the more you quote Tucson auto insurance, the better your chances of lowering your rates. You may even be surprised to find that the lowest priced auto insurance comes from a small local company.
Lower-priced Jeep Patriot insurance in Tucson can be sourced on the web as well as from insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers don’t offer online rate quotes and many times these small insurance companies prefer to sell through local independent agents.
When getting Tucson auto insurance quotes online, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where drivers have reduced full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at the best possible price.
Steps to buying lower priced Jeep Patriot insurance in Tucson
The preferred way to find cheaper Jeep Patriot insurance in Tucson is to start comparing rates regularly from different companies that insure vehicles in Arizona.
- Try to learn a little about how your policy works and the factors you can control to prevent high rates. Many things that are responsible for high rates such as traffic citations and an imperfect credit rating can be eliminated by improving your driving habits or financial responsibility.
- Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or Allstate, while independent agencies can give you price quotes for many different companies.
- Compare the new quotes to your existing rates to see if switching to a new carrier will save money. If you can save money and switch companies, make sure there is no coverage gap between policies.
- Give notification to your current company of your decision to cancel your current auto insurance policy and submit a down payment along with a completed application to the new company. As soon as you have the new policy, put the proof of insurance certificate in a readily accessible location in your vehicle.
One important bit of advice is that you use similar limits and deductibles on every quote and and to get prices from every insurance company. Doing this helps ensure a level playing field and a good representation of prices.
Helpful learning opportunities
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Safety Belts FAQ (iihs.org)
- What is Full Coverage? (Allstate)
- Teen Driving Statistics (iihs.org)