Cheap Pittsburgh Jeep Patriot Insurance

Inconceivable but true, the vast majority of insurance customers have remained with the same insurance company for at least four years, and nearly the majority have never shopped around. Pennsylvania drivers could save $690 a year by just comparing rate quotes, but they won’t spend time to compare rate quotes online.

Insurance for Jeep PatriotIf saving money is your primary concern, then the best way to get affordable Jeep Patriot insurance in Pittsburgh is to make a habit of regularly comparing prices from providers who can sell car insurance in Pennsylvania.

  1. Read and learn about the coverage provided by your policy and the factors you can control to drop your rates. Many risk factors that drive up the price such as accidents, traffic tickets, and poor credit history can be amended by making minor driving habit or lifestyle changes.
  2. Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from one company like Progressive or Allstate, while independent agents can provide prices for a wide range of insurance providers. Find a Pittsburgh insurance agent
  3. Compare the quotes to your current policy to see if a cheaper price is available in Pittsburgh. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
  4. Tell your current agent or company to cancel your existing policy. Submit the signed application along with the required initial payment to the new company. As soon as you can, safely store the proof of insurance paperwork along with the vehicle’s registration papers.

An important note is to try to use identical limits and deductibles on each price quote and and to get quotes from as many companies as possible. Doing this provides a fair price comparison and the best rate selection.

If you have a policy now or just want cheaper coverage, take advantage of these tips to get lower rates while maintaining coverages. Locating the best rates in Pittsburgh can initially seem challenging. Consumers just need to learn the quickest method to compare rates from many different companies online.

The companies in the list below offer quotes in Pennsylvania. If you want the best auto insurance in Pittsburgh, it’s a good idea that you click on several of them to get a more complete price comparison.

Lower-cost Pittsburgh auto insurance rates with discounts

Buying auto insurance is not cheap, but companies offer discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically at the time you complete a quote, but a few need to be inquired about before being credited.Cheaper auto insurance with discounts

One thing to note about discounts is that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

The example below illustrates the difference between Jeep Patriot premium costs with and without discounts applied to the premium. The data assumes a female driver, no violations or accidents, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, claim-free, marriage, and multi-car discounts applied.

Car insurance companies that have most of the discounts above are:

If you need low cost Pittsburgh auto insurance quotes, ask every company which discounts you qualify for. Depending on the company, some discounts might not apply in your area.

Jeep Patriot coverage statistics

The data table below highlights a range of insurance rates for Jeep Patriot models. Having a better idea how auto insurance premiums are calculated can help customers make decisions on which insurance to purchase.

Jeep Patriot Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $202 $324 $340 $20 $102 $988 $82
Patriot Sport 4WD $202 $324 $340 $20 $102 $988 $82
Patriot Limited 2WD $232 $394 $340 $20 $102 $1,088 $91
Patriot Limited 4WD $232 $394 $340 $20 $102 $1,088 $91
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in specific location information which can increase or decrease auto insurance rates substantially.

Higher deductibles save money

When shopping for auto insurance, a common question is how high should your deductibles be. The rates shown below can help show the differences in price when you choose different policy deductibles. The first data table uses a $100 deductible for comp and collision and the second set of rates uses a $1,000 deductible.

Jeep Patriot insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $246 $420 $330 $20 $98 $1,139 $95
Patriot Sport 4WD $246 $420 $330 $20 $98 $1,139 $95
Patriot Limited 2WD $284 $512 $330 $20 $98 $1,269 $106
Patriot Limited 4WD $284 $512 $330 $20 $98 $1,269 $106
Get Your Own Custom Quote Go

Jeep Patriot insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $136 $222 $330 $20 $98 $806 $67
Patriot Sport 4WD $136 $222 $330 $20 $98 $806 $67
Patriot Limited 2WD $158 $270 $330 $20 $98 $876 $73
Patriot Limited 4WD $158 $270 $330 $20 $98 $876 $73
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price information does not factor in Pittsburgh location which can alter insurance rates significantly.

Based on this data, using a $100 deductible costs about $31 more each month or $372 every year averaged for all Patriot models than buying the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 29 months between claim filings, you would probably be better off by going with a higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $100 deductibles: $101
Average monthly premium for $1,000 deductibles (subtract): – $70
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

An important sidenote is that raising deductibles to save money results in more money out-of-pocket when you have a physical damage claim. That will require access to more funds in the event you have to pay the higher deductible.

The illustration below illustrates how your choice of deductibles and can change Jeep Patriot premium costs for different age categories. The premiums assume a married male driver, full coverage, and no other discounts are factored in.

Safe drivers Pittsburgh pay cheaper rates

The chart below shows how violations and at-fault claims drive up Jeep Patriot yearly insurance costs for each age group. The price estimates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

Auto insurance prices based on gender

The diagram below illustrates the difference between Jeep Patriot annual premium costs for male and female drivers. The data assumes no accidents, no driving violations, full physical damage coverage, $100 deductibles, marital status is single, and no other discounts are factored in.

Can’t I compare rates from local Pittsburgh insurance agents?

Some people would prefer to have an agent’s advice and we recommend doing that Agents can help you choose the best coverages and give you someone to call. An additional benefit of comparing rate quotes online is that you can obtain cheap auto insurance quotes and still buy from a local agent. Buying from and supporting neighborhood agents is still important in Pittsburgh.

After completing this simple form, the quote information is emailed to participating agents in Pittsburgh who will gladly provide quotes to get your business. You never need to contact any agents since rate quotes are delivered to the email address you provide. If you wish to compare rates from one company in particular, don’t hesitate to go to their quote page and fill out their quote form.

Pittsburgh auto insurance agents are either independent or exclusive

When narrowing the list to find a local agent, it helps to know the two different types of agents and how they are distinctly different. Auto insurance policy providers are classified as either independent (non-exclusive) or exclusive. Either type can sell and service auto insurance coverage, but it’s good to learn why they differ since it can affect the type of agent you choose.

Independent Insurance Agents

Agents that elect to be independent do not work for one specific company so they can write business through lots of different companies and possibly get better coverage at lower prices. If premiums increase, your agent can just switch to a different company and that require little work on your part. When searching for an agent, you absolutely need to get rate quotes from at least one independent agent in order to compare the most rates.

Shown below is a partial list of independent agencies in Pittsburgh who may provide price quotes.

1900 Painters Run RdPittsburgh, PA 15241(412) 257-4300View Map

4601 Clairton BlvdPittsburgh, PA 15236(412) 882-9000View Map

421 Cochran RdPittsburgh, PA 15228(412) 563-5900View Map

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Exclusive Auto Insurance Agents

Exclusive insurance agents work for only one company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to compare rates from other companies so it’s a take it or leave it situation. They are usually well trained on their company’s products which helps overcome the inability to quote other rates.

Listed below are Pittsburgh exclusive agencies that are able to give price quotes.

4486 Steubenville PikePittsburgh, PA 15205(412) 921-1182View Map

9026 St Simon WayPittsburgh, PA 15237(412) 364-7170View Map

1236 Grove RdPittsburgh, PA 15234(412) 884-8100View Map

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Finding the right auto insurance agent should include more criteria than just a low price. These are some valid questions you should ask.

When should I discuss my situation with an agent?

Always keep in mind that when comparing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.Safe vehicles cost less to insure

Here are some questions about coverages that may help highlight whether you would benefit from professional advice.

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Insurance Price Influencing Factors

Many things are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but other criteria are more obscure such as whether you are married or your financial responsibility.

Three main reasons to buy auto insurance

Despite the potentially high cost of Jeep Patriot insurance, buying auto insurance may be mandatory for several reasons.

The benefits of having auto insurance more than cancel out the cost, particularly when you have a large claim. Despite what companies tell you, the average driver is currently overpaying as much as $865 each year so shop around at every policy renewal to make sure the price is not too high.

One last thing about your coverage

When searching for affordable Pittsburgh auto insurance quotes, it’s not a good idea to buy poor coverage just to save money. In many instances, an insured dropped uninsured motorist or liability limits and discovered at claim time that it was a big mistake. Your goal should be to buy enough coverage at the best possible price, not the least amount of coverage.

Drivers leave their current company for many reasons like high prices, poor customer service, lack of trust in their agent and even not issuing a premium refund. It doesn’t matter what your reason, finding the right car insurance provider is not as difficult as it may seem.

Affordable Jeep Patriot insurance in Pittsburgh is definitely available on the web and also from your neighborhood Pittsburgh agents, so you need to quote Pittsburgh auto insurance with both in order to have the best chance of saving money. Some car insurance companies may not offer price quotes online and usually these smaller providers only sell coverage through independent insurance agents.

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