Save Money on Jeep Patriot Insurance in Fresno

Insurance quote for Jeep Patriot in FresnoTo save the most money, the best way to get budget Jeep Patriot insurance is to do a yearly price comparison from different companies who sell insurance in Fresno. You can compare rates by completing these steps.

  1. Learn about how insurance companies determine prices and the factors you can control to keep rates low. Many rating criteria that drive up the price like at-fault accidents, careless driving, and poor credit can be rectified by making minor changes in your lifestyle. This article provides tips to help find cheaper rates and get bigger discounts.
  2. Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates from multiple insurance companies.
  3. Compare the new rate quotes to your existing policy to determine if switching companies saves money. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

The key aspect of shopping around is to try to use similar coverage information on each quote request and and to get rate quotes from as many different companies as possible. This enables an apples-to-apples comparison and maximum price selection.

Shockingly, most consumers have been with the same company for more than four years, and approximately 40% of consumers have never even compared quotes to find cheap rates. With the average car insurance premium being $1,400, California drivers could save $469 a year just by getting comparison quotes, but they don’t know the large savings they would see if they switch to a new company.

Quoting and comparing the best auto insurance in Fresno is not as time-consuming as you think. Nearly everyone who shops for auto insurance will most likely find a lower price. But California drivers can benefit from knowing the way companies determine premium rates and apply this information to your search.

When quoting auto insurance, remember that comparing all the rates in your area helps you find a lower rate. Not every company does online rate quotes, so you need to compare rates from those companies as well.

The car insurance companies shown below can provide free rate quotes in Fresno, CA. If you want the best cheap auto insurance in Fresno, CA, we recommend you visit as many as you can to find the most competitive car insurance rates.

Rates and information analytics

The table below covers a range of insurance premium costs for Jeep Patriot models. Learning as much as possible about how insurance policy rates are formulated is important to be able to make smart choices when selecting a policy.

Jeep Patriot Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $186 $316 $416 $24 $124 $1,066 $89
Patriot Sport 4WD $186 $316 $416 $24 $124 $1,066 $89
Patriot Limited 2WD $214 $386 $416 $24 $124 $1,164 $97
Patriot Limited 4WD $214 $386 $416 $24 $124 $1,164 $97
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price estimates do not factor in specific location information which can impact auto insurance rates greatly.

Analysis of deductible levels

One common question asked by Fresno drivers is which comprehensive and collision deductibles to buy. The rates shown below can help you understand the differences in price when you buy lower versus higher insurance deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Jeep Patriot insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $332 $564 $442 $26 $132 $1,521 $127
Patriot Sport 4WD $332 $564 $442 $26 $132 $1,521 $127
Patriot Limited 2WD $380 $686 $442 $26 $132 $1,691 $141
Patriot Limited 4WD $380 $686 $442 $26 $132 $1,691 $141
Get Your Own Custom Quote Go

Jeep Patriot insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $184 $298 $442 $26 $132 $1,082 $90
Patriot Sport 4WD $184 $298 $442 $26 $132 $1,082 $90
Patriot Limited 2WD $210 $362 $442 $26 $132 $1,172 $98
Patriot Limited 4WD $210 $362 $442 $26 $132 $1,172 $98
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price information does not factor in specific zip code location which can alter auto insurance rates significantly.

Using the data above, we can ascertain that using a $100 deductible will cost you roughly $40 more each month or $480 a year across all Jeep Patriot models than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 23 months between claim filings, you would more than likely save some money by selecting a higher deductible.

The chart below illustrates how choosing a deductible and can influence Jeep Patriot yearly insurance costs for different age groups. The costs are based on a single male driver, full coverage, and no policy discounts are applied.

How violations and accidents impact rates

The information below demonstrates how citations and at-fault collisions can raise Jeep Patriot car insurance rates for each different age group. The prices are based on a married female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

Insurance premiums for males and females

The diagram below shows the difference between Jeep Patriot auto insurance rates for male and female drivers. The prices are based on no claims or driving violations, comp and collision included, $250 deductibles, single status, and no discounts are factored in.

How to Lower Your Insurance Rates

Smart consumers have a good feel for the rating factors that help calculate your policy premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that can help you get cheaper rates.

Deter theft and save – Driving a car with advanced anti-theft systems can help lower your rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft and help bring rates down.

Vocation and insurance prices – Occupational choices like military generals, air traffic controllers, and miners are shown to have the highest rates attributed to high stress levels and long work hours. Conversely, careers like professors, athletes and retirees receive lower rates.

Raising coverage deductibles lowers costs – The deductibles define how much you are required to spend before a claim is paid by your company. Physical damage insurance, also called ‘full coverage’, is used to repair damage to your car. A few examples of covered claims are rear-ending another vehicle, damage caused by hail, and damage caused by road hazards. The more expense you pay before a claim is paid (deductible), the less your insurance will be.

Safer the car lower the rate – Vehicles that have high safety ratings tend to have better insurance rates. Safe vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Jeep Patriot has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.

Frequent claims increase rates – Companies in California award lower rates to insureds that do not abuse their auto insurance. If you file a lot of claims you can expect either policy cancellation or increased premiums. Auto insurance is intended for claims that pose a financial burden.

Insurance losses for a Jeep Patriot – Insurers include the past claim history for a vehicle to help determine prices. Vehicles that are shown to have higher number or severity of losses will cost more for specific coverages.

The information below illustrates the historical insurance loss data for Jeep Patriot vehicles. For each coverage category, the loss probability for all vehicles, without regard to make or model, is equal to 100. Percentages below 100 suggest losses that are better than average, while values over 100 show a trend for more claims or an increased chance of larger losses than average.

Insurance Loss Ratings for Jeep Patriot Vehicles
Vehicle 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

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

It may be expensive, but it’s not optional

Despite the fact that insurance is not cheap in Fresno, insurance serves an important purpose.

The benefits of carrying enough insurance more than cancel out the cost, particularly for liability claims. But the average driver in California is currently overpaying as much as $865 each year so it’s very important to do a rate comparison each time the policy renews to ensure rates are inline.