How long has it been since you sat down and looked for cheaper Jeep Patriot insurance in Indianapolis? Nobody that owns a car gets a kick out of paying for auto insurance, especially when they could find better rates elsewhere.
It's hard to believe, but most auto insurance buyers have bought auto insurance from the same company for a minimum of four years, and almost 40% of drivers have never compared rate quotes at all. The average driver in Indiana could save almost 55% each year by just shopping around, but they assume it's a waste of time to compare other rate quotes.
Big companies like GEICO, 21st Century and Progressive all claim big savings with ad campaigns and it can be hard to sift through the bull and take the time to shop coverage around.
Best companies for low-cost Jeep Patriot insurance in Indiana
The following companies are ready to provide comparison quotes in Indiana. If multiple companies are shown, we suggest you compare several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Patriot Sport 2WD||$112||$214||$364||$22||$110||$822||$69|
|Patriot Sport 4WD||$182||$352||$294||$18||$88||$934||$78|
|Patriot Limited 2WD||$152||$230||$368||$22||$110||$882||$74|
|Patriot Limited 4WD||$240||$450||$380||$22||$114||$1,206||$101|
|Get Your Own Custom Quote Go|
Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in vehicle garaging location which can alter coverage rates greatly.
Higher deductibles save money
The information below demonstrates how deductible levels and can raise or lower Jeep Patriot insurance premiums for different ages of insureds. The premiums are based on a married male driver, full physical damage coverage, and no other discounts are factored in.
Safe drivers pay less for car insurance
The illustration below demonstrates how citations and accident claims can influence Jeep Patriot insurance premiums for each different age group. Data assumes a single male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
Get cheaper rates on Jeep Patriot insurance in Indianapolis with these seven auto insurance discounts
Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be asked for prior to getting the savings.
- One Accident Forgiven - This one is not really a discount per se, but companies like GEICO and Liberty Mutual will forgive one accident without getting socked with a rate hike as long as you don't have any claims prior to being involved in the accident.
- New Vehicle Savings - Buying a new car model can save you some money because newer models have to meet stringent safety requirements.
- Passive Restraints - Vehicles equipped with air bags or motorized seat belts can qualify for discounts up to 30%.
- Save over 55 - Seniors can get reduced rates.
- Good Student Discount - This discount can earn a discount of 20% or more. You can use this discount normally up to age 25.
- Anti-lock Brake System - Cars and trucks with anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
- Own a Home - Owning your own home or condo can help you save on auto insurance since home ownership means you have a higher level of financial diligence.
Just know that most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, insurance companies wouldn't stay in business. But all discounts will bring down the cost of coverage.
Some companies who might offer most of these discounts include:
When comparing rates, check with every prospective company which discounts can lower your rates. Discounts may not apply in your state. For a list of auto insurance companies who offer auto insurance discounts in Indianapolis, follow this link.
Compare rates but buy from a local Indianapolis insurance agent
A small number of people prefer to get professional advice from a licensed agent and that is not a bad decision A good thing about price shopping on the web is you can get cheap rate quotes and still have an agent to talk to.
Once you complete this short form, your insurance data is sent to agents in your area who will give you bids to get your business. It makes it easy because there is no need to drive around as quotes are delivered to you directly. You can find the lowest rates and a licensed agent to talk to. If you wish to compare rates from a specific auto insurance provider, you just need to visit that company's website to submit a rate quote request.
Picking an insurer is decision based upon more than just the quoted price. Here are some questions you might want to ask.
- What discounts might you be missing?
- Are they full-time agents?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Will one accident increase rates?
- Are they paid to recommend certain coverages?
- Is auto insurance their primary focus in Indianapolis?
- What company do they have the most business with?
When narrowing the list to find a reputable insurance agent or broker, it helps to know the two types of insurance agents from which to choose. Auto insurance agents in Indianapolis may be either independent agents or exclusive agents.
These type of agents can only quote rates from one company like Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to place coverage with different providers so it's a take it or leave it situation. Exclusive insurance agents are very knowledgeable on their products and sales techniques which aids in selling service over price.
Shown below is a short list of exclusive insurance agencies in Indianapolis that can give you price quotes.
Charlotte Adams-Jones - State Farm Insurance Agent
5034 E 56th St - Indianapolis, IN 46226 - (317) 252-5933 - View Map
Independent Auto Insurance Agencies
These type of agents often have affiliation with several companies so they can write business through lots of different companies and find you cheaper rates. If you want to switch companies, the agent simply finds a different carrier and you don't have to switch agencies. When searching for an agent, it's a good idea to include price quotes from several independent agencies to have the best price comparison.
The following are Indianapolis independent agents that can give you comparison quotes.
If you feel you receive good answers to any questions you may have as well as offering an affordable quote, you may have just found an insurance agency that can be relied on to insure your vehicles.
Advertising and car insurance
Companies like State Farm, Allstate and GEICO constantly bombard you with television, radio, and online ads. They all seem to seem to make the promise about how much you will save just by switching your policy. Is it even possible that every company can charge less that you're paying now? This is the way they can do it.
Companies give the cheapest rates for the driver that will add to their bottom line. An example of a desirable risk might have to be between the ages of 30 and 50, has other policies, and drives less than 10,000 miles a year. A customer who meets those qualifications gets the lowest auto insurance rates and will most likely save a lot of money.
People who are not a match for these criteria may be forced to pay higher premium rates and this results in the customer buying from someone else. The trick is to say "customers that switch" not "all people who quote" save that much. That's the way companies can make claims like that. Each company has different criteria, so drivers must compare as many free Indianapolis auto insurance quotes as you can. You cannot predict which car insurance company will have the best premium rates for your profile.
Auto insurance coverages
Understanding the coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.
Comprehensive insurance - This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as damage from a tornado or hurricane, rock chips in glass, fire damage, falling objects and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.
Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like pain medications, rehabilitation expenses, nursing services, dental work and X-ray expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
Collision coverage - This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things like crashing into a building, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible on your Patriot in order to get cheaper collision rates.
Liability insurance - Liability insurance provides protection from damages or injuries you inflict on other's property or people by causing an accident. This coverage protects you against other people's claims. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/10 which stand for $25,000 in coverage for each person's injuries, a limit of $50,000 in injury protection per accident, and a limit of $10,000 paid for damaged property.
Liability can pay for things like repair costs for stationary objects, emergency aid, legal defense fees, attorney fees and structural damage. How much coverage you buy is a personal decision, but consider buying as large an amount as possible. Indiana state minimum liability requirements are 25/50/10 but it's recommended drivers buy more liability than the minimum.
Uninsured/Underinsured Motorist (UM/UIM) - This protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle's occupants and also any damage incurred to your Jeep Patriot.
Since a lot of drivers have only the minimum liability required by law (25/50/10), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Compare. Compare. Compare.
More affordable auto insurance in Indianapolis can be purchased from both online companies and from local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who don't offer price quotes online and many times these smaller providers work with local independent agencies.
We've covered quite a bit of information on how to reduce Jeep Patriot insurance rates online in Indianapolis. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from the least-expected company. They can often provide lower car insurance rates in certain areas than the large multi-state companies such as Progressive or GEICO.
When getting Indianapolis auto insurance quotes online, don't be tempted to buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.
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