Car Insurance Rates for a Jeep Patriot in Fort Worth

Feel like you’re a prisoner to an overpriced auto insurance policy? It’s quite common and many consumers are feeling buyer’s remorse and feel like there’s no way out.

Discount Jeep Patriot insuranceUnimaginable but true, the vast majority of drivers kept their coverage with the same auto insurance company for four years or more, and just under half have never compared rates with other companies. U.S. consumers could save themselves $850 a year just by getting comparison quotes, but they don’t want to spend time to save money by comparing rate quotes.

Multiple auto insurance companies compete for your insurance dollar, so it’s not easy to compare every provider and uncover the absolute best price available on Jeep Patriot insurance in Fort Worth.

You need to take a look at other company’s rates before your next renewal since prices are usually higher with each renewal. Just because you found the lowest rate on Jeep Patriot insurance in Fort Worth last year a different company probably has better premium rates today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the best methods to eliminate unnecessary coverages and save money on Jeep Patriot insurance in Fort Worth.

Jeep Patriot insurance quotes comparison

Most major insurance companies like Allstate, GEICO and Progressive make it easy to get coverage price quotes directly from their websites. Getting quotes for Jeep Patriot insurance in Fort Worth is easy for anyone as you just enter the coverages you want into a form. After you complete the form, the quote system collects your credit score and driving record and provides a quote based on many factors. This streamlines rate comparisons, and it is important to get many rate quotes if you want to get the most affordable premium possible.

To compare rates now, consider comparing rates from the companies shown below. If you have a policy now, it’s recommended you enter the insurance coverages identical to your current policy. Doing this guarantees you’re receiving comparison quotes using the exact same coverages.

The companies shown below provide price comparisons in Fort Worth, TX. If multiple companies are shown, it’s a good idea that you get prices from several of them in order to find the most affordable rates.

Lower-cost Jeep Patriot insurance quotes in Fort Worth

Insuring your fleet can be pricey, but there’s a good chance there are discounts that many consumers don’t even know exist. Certain credits will be shown at quote time, but once in a while a discount must be specially asked for prior to receiving the credit.Save money with discounts

As a footnote on discounts, some credits don’t apply to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, insurance companies wouldn’t stay in business.

The example below illustrates the comparison of Jeep Patriot yearly insurance costs with and without some available policy discounts. The premiums are based on a male driver, no claims or violations, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, multi-policy, safe-driver, and marriage discounts applied.

Popular car insurance companies and a summarized list of policyholder discounts are:

Before you buy a policy, ask all companies you are considering the best way to save money. Discounts might not be offered on policies in Fort Worth. If you would like to see a list of providers who offer discounts in Fort Worth, click here.

Jeep Patriot insurance coverage information

The coverage information shown below highlights detailed analysis of insurance rates for Jeep Patriot models. Having knowledge of how insurance policy premiums are calculated can be valuable when making smart choices when comparing insurance quotes.

Jeep Patriot Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $232 $404 $514 $30 $154 $1,334 $111
Patriot Sport 4WD $232 $404 $514 $30 $154 $1,334 $111
Patriot Limited 2WD $266 $492 $514 $30 $154 $1,456 $121
Patriot Limited 4WD $266 $492 $514 $30 $154 $1,456 $121
Get Your Own Custom Quote Go

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price estimates do not factor in specific zip code location which can affect rates considerably.

Physical damage deductible comparison

When buying insurance, a common question is where should you set your physical damage deductibles. The rates shown below outline how much more rates are between high and low physical damage coverage deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Jeep Patriot insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $286 $486 $382 $22 $114 $1,315 $110
Patriot Sport 4WD $286 $486 $382 $22 $114 $1,315 $110
Patriot Limited 2WD $328 $592 $382 $22 $114 $1,463 $122
Patriot Limited 4WD $328 $592 $382 $22 $114 $1,463 $122
Get Your Own Custom Quote Go

Jeep Patriot insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $158 $256 $382 $22 $114 $932 $78
Patriot Sport 4WD $158 $256 $382 $22 $114 $932 $78
Patriot Limited 2WD $182 $312 $382 $22 $114 $1,012 $84
Patriot Limited 4WD $182 $312 $382 $22 $114 $1,012 $84
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can alter price quotes noticeably.

Based on the figures above, using a $100 deductible could cost the average driver approximately $35 more each month or $420 every year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 26 months between claims, you would probably come out ahead going with the higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $116
Average monthly premium for $1,000 deductibles (subtract): – $81
Monthly savings from raising deductible: $35
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $35
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

One important issue to know is that raising deductibles to save money means you will have to cover more of the damage yourself when you file a claim. You need enough savings in the event you need to pay the higher deductible.

The information below demonstrates how deductibles and can affect Jeep Patriot yearly insurance costs for different age groups. The information is based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Should you buy full coverage?

The diagram below visualizes the comparison of Jeep Patriot auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The rate quotes are based on no claims, a clean driving record, $100 deductibles, single status, and no additional discounts are factored in.

When to stop paying for full coverage

There is no clear-cut formula to delete physical damage insurance, but there is a broad guideline. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s assume your Jeep Patriot replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after paying your policy deductible. If premium cost is more than $400 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are some situations where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should maintain full coverage.

Compare rates but still have a local neighborhood Fort Worth car insurance agent

Many drivers prefer to talk to a local agent and that is just fine! An additional benefit of comparing rate quotes online is you may find cheaper rates but also keep your business local. And buying from small agencies is important especially in Fort Worth.

Insurance agents in Fort WorthFor easy comparison, once you complete this form (opens in new window), your insurance coverage information is instantly submitted to agents in your area who want to provide quotes for your insurance coverage. You won’t even need to visit any agencies since price quotes are sent to you instantly. It’s the lowest rates without having to waste a lot of time. If you want to compare prices from one company in particular, just visit that company’s website and give them your coverage information.

What types of auto insurance agents are in Fort Worth?

If you need to find a local agent, you need to know there are two types of agencies and how they are slightly different. Car insurance agencies can be categorized as either independent (non-exclusive) or exclusive.

Independent Car Insurance Agents (or Brokers)

Independent agents are not required to write business for one company so they have the ability to put coverage with lots of companies and find you the best rates. If prices rise, your policy is moved internally and you don’t have to do anything. When searching for an agent, you will want to compare prices from multiple independent agents in order to have the best price comparison.

Listed below is a list of independent agents in Fort Worth that may be able to give pricing information.

3559 Williams Rd Suite 110Fort Worth, TX 76116(817) 370-0125View Map

5049 Trail Lake DrFort Worth, TX 76133(817) 292-2929View Map

4475 Hemphill StFort Worth, TX 76115(817) 744-8150View Map

More insurance agents

Exclusive Agencies

These agents have only one company to place business with and examples are Farmers Insurance, Allstate, or State Farm. They generally cannot give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. They are highly trained on their company’s products and that allows them to sell at a higher price point.

Listed below is a short list of exclusive agents in Fort Worth who can help you get price quote information.

Tom Price – State Farm Insurance Agent
6015 Harris Pkwy #100Fort Worth, TX 76132(817) 731-8855View Map

3525 Denton HwyFort Worth, TX 76117(817) 838-2342View Map

Jerry Yowell – State Farm Insurance Agent
4900 Overton Ridge Blvd Ste 211Fort Worth, TX 76132(817) 292-5775View Map

More insurance agents

Choosing an car insurance agent shouldn’t rely on just the premium amount. Before buying a policy in Fort Worth, get answers to these questions.

After getting good answers to these questions and an acceptable price quote, you’ve probably found a car insurance agent that is a good match to insure your vehicles.

How Your Patriot Insurance Rates are Determined

Lots of things are part of the calculation when premium rates are determined. Some are obvious like a motor vehicle report, but some are more transparent like your continuous coverage or your financial responsibility. Part of the insurance buying process is learning the rating factors that are used to determine the price you pay for insurance. If you know what determines base rates, this enables you to make decisions that could result in cheaper rates.

Choosing the best vehicle insurance in Texas is an important decision

Despite the fact that car insurance is not cheap in Fort Worth, buying car insurance is required for several reasons.

The benefits of having insurance outweigh the cost, especially for larger claims. But the average driver in Texas is overpaying more than $800 each year so compare rates at every renewal to make sure the price is not too high.

Be persistent and save

When you buy Fort Worth auto insurance online, make sure you don’t buy poor coverage just to save money. There have been many situations where someone dropped liability coverage limits to discover at claim time that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest cost and still be able to protect your assets.

We just presented many ideas to save on Jeep Patriot insurance in Fort Worth. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may even discover the best price on insurance is with a lesser-known regional company. They can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

Lower-priced insurance in Fort Worth is definitely available online as well as from insurance agents, so get free Fort Worth auto insurance quotes from both of them to have the best chance of lowering rates. Some insurance companies do not offer price quotes online and many times these regional insurance providers only sell coverage through independent agents.

Steps to buying affordable Jeep Patriot insurance in Fort Worth

It takes a few minutes, but the best way to find lower priced auto insurance rates is to compare prices at least once a year from different companies who can sell car insurance in Fort Worth. Rate comparisons can be done by following these steps.

  1. Try to comprehend individual coverages and the things you can control to keep rates low. Many things that increase rates like getting speeding tickets and a not-so-good credit score can be controlled by improving your driving habits or financial responsibility.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like Progressive and State Farm, while independent agents can provide price quotes from many different companies. Begin your rate comparison
  3. Compare the quotes to your existing policy and see if you can save money. If you can save some money and make a switch, ensure coverage does not lapse between policies.
  4. Give proper notification to your current agent or company to cancel your current auto insurance policy. Submit a completed policy application and payment for the new policy. Be sure to keep the new proof of insurance certificate along with your vehicle registration.

One key aspect of rate comparisons is to use similar limits and deductibles on each quote and and to get quotes from every company you can. Doing this enables a fair price comparison and a complete selection of prices.

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