Consumers who just recently started price shopping insurance online will discover purchasing inexpensive Jeep Patriot insurance in Tacoma is not as easy as it seems.
Sadly, almost 70% of insureds in Washington kept buying from the same company for more than four years, and nearly half have never compared rates from other carriers. U.S. drivers could save 47% each year, but they just don't want to shop their coverage around.
You need to price shop coverage as often as possible due to the fact that insurance prices go up and down regularly. Even if you think you had the lowest rates on Jeep Patriot insurance in Tacoma last year the chances are good that you can find a lower rate quote today. Forget all the misinformation about car insurance because we're going to show you one of the easiest ways to save on car insurance.
If you currently have a car insurance policy, you stand a good chance to be able to save money using the ideas presented in this article. Comparing quotes for the cheapest policy in Tacoma is not as hard as you may think. Although Washington vehicle owners can benefit from knowing how big insurance companies set your policy premium because rates fluctuate considerably.
Companies offering affordable Jeep Patriot price quotes in Tacoma, WA
The following companies have been selected to offer free rate quotes in Washington. If several companies are displayed, we suggest you visit several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Patriot Sport 2WD||$118||$194||$300||$18||$90||$720||$60|
|Patriot Sport 4WD||$198||$316||$294||$18||$88||$914||$76|
|Patriot Limited 2WD||$218||$434||$384||$22||$114||$1,172||$98|
|Patriot Limited 4WD||$160||$304||$334||$20||$100||$918||$77|
|Get Your Own Custom Quote Go|
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Estimates do not factor in Tacoma location which can change prices greatly.
Full coverage versus liability only rates
The chart below visualizes the comparison of Jeep Patriot insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes a clean driving record, no at-fault accidents, $1,000 deductibles, single male driver, and no discounts are applied.
When to switch to liability coverage only
There is no specific rule of when to phase out physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let's assume your Jeep Patriot claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $7,000 after you pay the deductible. If premium cost is more than $700 annually to have full coverage, then it's probably a good time to buy liability coverage only.
There are some situations where only buying liability is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not eliminate full coverage.
Yearly car insurance costs for men versus women
The illustration below illustrates the difference between Jeep Patriot insurance premiums for male and female drivers. The information is based on no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, single marital status, and no discounts are applied to the premium.
Don't neglect these discounts
Insurance is not cheap nor is it fun to buy but there could be available discounts that could drop your premiums quite a bit. Some of these discounts will be visible at the time you complete a quote, but lesser-known reductions have to be specifically requested prior to getting the savings. If you're not getting every credit possible, you are paying more than you should be.
- New Vehicle Savings - Insuring a vehicle that is new may earn a small discount compared to insuring an older model.
- Multi-Vehicle Discounts - Having multiple cars or trucks with the same company can reduce the rates for all insured vehicles.
- Driver's Education for Students - Cut your cost by having your teen driver participate in a local driver's education class as it can save substantially.
- Paperwork-free - A few companies provide a small discount simply for signing on their website.
- Defensive Driver Discounts - Taking part in a course that instructs on driving safety can save you 5% or more if you qualify.
- Discount for Multiple Policies - If you can bundle your home and auto insurance with the same insurance company you could save up to 20% off your total Patriot insurance premium.
A quick disclaimer, many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, companies don't profit that way.
Larger insurance companies and their possible discounts include:
- State Farm offers premium reductions for anti-theft, defensive driving training, multiple policy, multiple autos, and driver's education.
- Progressive may have discounts that include continuous coverage, multi-vehicle, good student, online quote discount, and online signing.
- Travelers may offer discounts for student away at school, continuous insurance, driver training, multi-policy, and good student.
- American Family may include discounts for TimeAway discount, good driver, accident-free, mySafetyValet, and defensive driver.
- Liberty Mutual offers discounts including safety features, exclusive group savings, newly retired, new vehicle discount, and newly married.
If you are trying to find affordable Tacoma car insurance quotes, ask all the companies which discounts you may be entitled to. A few discounts may not apply to policyholders in your area. If you would like to choose from a list of insurers that offer multiple discounts in Washington, click this link.
Learn How to Lower Your Insurance Rates
Multiple criteria are part of the equation when pricing auto insurance. Most are fairly basic such as your driving history, but other factors are not as apparent like your vehicle usage or how financially stable you are. An important part of buying insurance is that you know some of the things that are used to determine the rates you pay for insurance. When consumers understand what determines premiums, this helps enable you to make changes that can help you get lower rates.
The factors shown below are some of the things companies use to determine rates.
Liability protection is cheap - Your policy's liability coverage will protect you if you are found to be at fault for personal injury or accident damage. It provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so buy as much as you can afford.
Always have insurance - Going without insurance can be a fast way to increase your insurance rates. In addition to paying higher rates, the inability to provide proof of insurance can result in fines or a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with the Washington motor vehicle department.
High physical damage deductibles equal low rates - Insurance for physical damage to your car, aka comp and collision, covers damage that occurs to your Jeep. Some instances where coverage would apply could be collision with another vehicle, vandalism, or theft. Physical damage deductibles state the amount of money you are required to spend if you file a covered claim. The larger the amount you have to pay, the lower your rates will be.
Deter theft and pay less - Purchasing a vehicle with advanced anti-theft systems can save you some money. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system help track and prevent auto theft.
Certain vocations raise rates - Careers such as military personnel, architects and financial analysts are shown to have the highest average rates due to intense work requirements and incredibly demanding work hours. Conversely, professions such as farmers, historians and homemakers have lower than average premiums.
Jeep Patriot insurance loss probability - Auto insurance companies analyze historical claim data when they calculate premium rates for each model. Models that the data determines to have increased claim numbers or amounts will cost more for coverage. The data below shows the collected loss data for Jeep Patriot vehicles.
For each policy coverage, the statistical loss for all vehicles as a whole is a value of 100. Values below 100 mean the vehicle has better than average losses, while values that are above 100 point to more losses or larger claims.
Insurance Loss Ratings for Jeep Patriot Vehicles
|Specific Jeep 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
Do I need an agent?
Some people would rather sit down and talk to an agent and doing that can be a smart decision The biggest benefit of comparing rate quotes online is that you can obtain cheap insurance quotes but also keep your business local. And buying from local insurance agents is important especially in Tacoma.
By using this quick form, your coverage information is submitted to local insurance agents in Tacoma who will give you bids to get your business. It simplifies rate comparisons since you won't have to search for an agent due to the fact that quote results will go instantly to you. You can most likely find cheaper rates and a licensed agent to talk to. If you want to quote rates from a specific company, just visit that company's website to submit a rate quote request.
Shown below is a list of insurers in Tacoma that can give you price quote information for Jeep Patriot insurance in Tacoma.
- AllState Insurance: Tacoma
1334 Fawcett Ave - Tacoma, WA 98402 - (253) 880-1825 - View Map
- Roe Insurance Services LLC
7642 Pacific Ave - Tacoma, WA 98408 - (253) 472-3977 - View Map
- Chris Lamb - State Farm Insurance Agent
5905 29th St NE - Tacoma, WA 98422 - (253) 927-9295 - View Map
- Farmers Insurance - Colleen Casey
6720 Regents Blvd #112 - Tacoma, WA 98466 - (253) 365-6486 - View Map
Selecting an company needs to be determined by more than just the price. These are some questions you should get answers to.
- Can glass repairs be made at your home?
- Does the agency have a good rating with the Better Business Bureau?
- Did they already check your driving record and credit reports?
- Are they properly licensed to sell insurance in Washington?
- Does the company have a local claim office in Tacoma?
- Which family members are covered?
- In the event of vehicle damage, can you pick the collision repair facility?
- Does their agency support local causes in Tacoma?
Cheaper coverage is out there
Consumers change insurance companies for a variety of reasons including denial of a claim, policy cancellation, delays in responding to claim requests and high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.
As you quote Tacoma car insurance, it's not a good idea to buy less coverage just to save a little money. There are many occasions where an accident victim reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at the best cost while still protecting your assets.
We just presented a lot of tips how to lower your Jeep Patriot insurance prices in Tacoma. It's most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from some of the smallest insurance companies.
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