Insurance for Jeep PatriotDo you want to stop overpaying and find more competitive Jeep Patriot insurance in Denver? Locating the cheapest insurance for your Jeep Patriot in Colorado can be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to shop for insurance so you're going to learn the proper way to price shop coverage for a new or used Jeep and find the lowest price from both online companies and Denver agents.

You need to compare rates at least once a year because insurance prices are adjusted regularly by insurance companies. If you had the best rates on Jeep Patriot insurance in Denver a year ago there may be better deals available now. There are lots of tips to save on Patriot insurance online, but by reading this article, you're going to learn some tested techniques to find cheap insurance in Denver.

If you have a current insurance policy or want to find a cheaper company, take advantage of these tips to lower your rates without having to cut coverage. Finding and comparing the best-priced insurance in Denver is not as confusing as people think. Comparison shoppers only need to know the proper methods to compare insurance rates from many different companies.

Reducing your Jeep Patriot insurance rates is a fairly straight forward process. You just have to take a couple of minutes comparing rates online from several insurance companies.

The companies shown below provide price comparisons in Colorado. If multiple companies are listed, it's a good idea that you visit several of them in order to find the cheapest rates.

Jeep Patriot Insurance Cost Estimates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $150 $258 $338 $20 $100 $866 $72
Patriot Sport 4WD $204 $368 $396 $24 $118 $1,110 $93
Patriot Limited 2WD $170 $306 $330 $20 $98 $924 $77
Patriot Limited 4WD $212 $388 $338 $20 $100 $1,058 $88
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Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price estimates do not factor in your specific Denver location which can change price quotes significantly.

Should you raise deductibles?

The example below shows how different deductible levels and can raise or lower Jeep Patriot insurance prices for each different age group. The premiums are based on a single female driver, full coverage, and no discounts are taken into consideration.

Auto insurance deductibles

When buying auto insurance, a common question is how high or low should comp and collision deductibles be. The rates below determine the premium difference when you buy lower versus higher policy deductibles. The first table uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Jeep Patriot insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $236 $376 $352 $20 $106 $1,115 $93
Patriot Sport 4WD $236 $376 $352 $20 $106 $1,115 $93
Patriot Limited 2WD $272 $458 $352 $20 $106 $1,233 $103
Patriot Limited 4WD $272 $458 $352 $20 $106 $1,233 $103
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Jeep Patriot insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $146 $236 $352 $20 $106 $860 $72
Patriot Sport 4WD $146 $236 $352 $20 $106 $860 $72
Patriot Limited 2WD $168 $288 $352 $20 $106 $934 $78
Patriot Limited 4WD $168 $288 $352 $20 $106 $934 $78
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Prices do not factor in specific garaging location which can affect coverage rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $23 more each month or $276 each year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 33 months between claim filings, you would most likely save money if you choose the higher deductible. The table below illustrates how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $98
Average monthly premium for $1,000 deductibles (subtract): - $75
Monthly savings from raising deductible: $23
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 33 months

An important thing to remember is that a higher deductible means you will have to cover more of the damage yourself when you have a claim. You will want to have access to more funds in the event you have to pay the higher deductible in order to repair your vehicle.

Auto insurance rates are higher with tickets and accidents

The information below shows how violations and accident claims impact Jeep Patriot yearly insurance costs for each different age category. The information is based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

Get cheap Jeep Patriot insurance in Denver with discounts

Car insurance is not inexpensive, but you can get discounts that you may not even be aware of. Certain credits will be shown at the time of quoting, but less common discounts must be requested specifically before you will receive the discount.Car insurance discounts

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky.

Large car insurance companies and a summarized list of policyholder discounts include:

Before purchasing a policy, check with each insurance company what discounts are available to you. Some of the earlier mentioned discounts may not be available everywhere. To locate car insurance companies who offer car insurance discounts in Colorado, follow this link.

Auto insurance agents can help

Many drivers just want to talk to a local agent and doing so can bring peace of mind Insurance agents are highly skilled in risk management and help you file claims. One of the best bonuses of comparing rates online is the fact that drivers can get cheaper rates and still buy from a local agent.

Insurance agency in DenverAfter filling out this quick form, your insurance coverage information is submitted to local insurance agents that can provide free Denver car insurance quotes for your insurance coverage. You don't have to visit any agencies since price quotes are sent to the email address you provide. If for some reason you want to compare prices from a specific insurance company, don't hesitate to visit that company's website and fill out their quote form.

Finding the right provider should include more criteria than just a low price. A good agent in Denver will have answers to these questions.

Different types of Denver auto insurance agents

If you prefer to buy car insurance from a reputable insurance agent or broker, it can be helpful to understand the types of agencies from which to choose. Car insurance agents are considered either independent or exclusive. Either one can provide car insurance policies, but it is a good idea to know the subtle differences since it can impact which agent you choose.

Exclusive Agents

These type of agents are contracted to one company such as Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to provide rate quotes from other companies so they really need to provide good service. Exclusive agents are usually well trained on their products and sales techniques which helps them compete with independent agents. Consumers sometimes buy from the same agent for years partially due to high brand loyalty rather than having the cheapest rates.

The following are Denver exclusive insurance agents who may provide you with rate quotes.

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Independent Car Insurance Agencies

Agents that choose to be independent do not write with just one company so as a result can place your coverage through lots of different companies and get you the best rates possible. If prices rise, your agent can switch companies and the insured can keep the same agent. If you need lower rates, you need to get insurance quotes from several independent insurance agents to have the best price comparison. Most independent agents also contract with smaller companies which could offer lower prices.

Listed below is a short list of independent insurance agents in Denver willing to provide price quotes.

View more Denver agents

Upon getting satisfactory answers to your questions as well as an affordable premium quote, you've probably found an insurance agent that can be relied on to provide car insurance coverage. Just keep in mind you can always terminate your policy whenever you want so don't think you're contractually obligated to a specific agent for a certain time period.

Smart Buyers Know How to Get Car Insurance More Affordably

An important part of buying insurance is that you know some of the factors that come into play when calculating your premiums. If you know what determines premiums, this enables informed choices that may result in big savings. Many different elements are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, although some other factors are more obscure like your vehicle usage or your vehicle rating.

The factors shown below are a few of the "ingredients" car insurance companies consider when setting rates.

Men pay more for auto insurance - Over the last 30 years, statistics show women are more cautious behind the wheel. However, this does not mean women are better drivers. Males and females cause auto accidents in similar numbers, but the males tend to have higher claims. Men also get more serious tickets such as reckless driving.

Better car insurance rates on vehicles with better crash test results - Vehicles with good safety scores tend to have better insurance rates. Highly rated vehicles reduce the chance of injuries and lower rates of occupant injuries means your insurance company pays less and thus lower rates. If your Jeep scored at minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

Expect high rates for teens - Teenage drivers in Colorado have a tendency to be careless and easily distracted when driving with friends so car insurance rates are higher. Mature drivers tend to be more responsible, cost insurance companies less in claims, and usually have better credit.

What are your deductibles? - Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some instances where coverage would apply could be colliding with a building, hitting a deer, and burglary. Comp and collision deductibles state the amount of money you are willing to pay if you file a covered claim. The more of the claim you pay before a claim is paid (deductible), the less money you will pay for car insurance.

Insure car and home with the same company - Most car insurance companies provide lower prices to people that have more than one policy, otherwise known as a multi-policy discount. Even with this discount, you may still want to get quotes from other companies to guarantee you are still saving the most. You may still find a better deal by buying insurance from more than one company.

Eliminate extra coverages - Insurance companies have many optional add-on coverages that can add up on your Patriot policy. Insurance for rental car coverage, towing coverage, and additional equipment coverage may be costing you every month. They may seem like a good idea initially, but your money might be better spent on other coverage so get rid of them and save.

Urban areas may pay more - Being located in less populated areas has definite advantages when it comes to car insurance. Lower population corresponds to lower accident rates and a lower car theft rate. City drivers have to deal with more traffic problems and much longer commute distances. Longer commute distances means a statistically higher chance of an accident.

Insurance loss probability for a Jeep Patriot - Insurance companies use claims history to help calculate premium rates. Vehicles that tend to have a trend towards higher claims will cost more for specific coverages.

The table below shows the collected loss data for Jeep Patriot vehicles. For each policy coverage type, the claim probability for all vehicles averaged together is set at 100. Percentage numbers below 100 imply a favorable loss record, while numbers that are greater than 100 indicate frequent claims or an increased chance of larger losses than average.

Jeep Patriot Insurance Claim Statistics

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
BETTER
AVERAGE
WORSE

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

Why you need quality insurance for your Jeep Patriot

Despite the high insurance cost for a Jeep Patriot in Denver, insurance is required in Colorado but it also protects you in many ways.

The benefits of having auto insurance outweigh the cost, specifically if you ever have a liability claim. As of last year, the average driver in Colorado is wasting up to $869 every year so you should quote rates each time the policy renews to ensure rates are competitive.

Get the best coverage at the lowest price

You just read many ways to shop for Jeep Patriot insurance online. The key thing to remember is the more you quote Denver car insurance, the higher your chance of finding low cost Denver car insurance quotes. Consumers may even find the most savings is with a small local company.

Affordable Jeep Patriot insurance in Denver is possible both online in addition to many Denver insurance agents, so you need to quote Denver car insurance with both so you have a total pricing picture. Some insurance companies don't offer online rate quotes and many times these regional carriers prefer to sell through local independent agents.

Consumers who switch companies do it for any number of reasons including delays in paying claims, questionable increases in premium, high prices and even denial of a claim. Regardless of your reason for switching companies, choosing a new company is actually quite simple.

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