2013 Jeep Patriot Car Insurance Rates – 8 Policy Discounts

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Are you a victim of an underperforming, overpriced auto insurance policy? Believe me, there are many consumers feeling the pinch from expensive auto insurance.

Because you have many companies to choose from, it can be impossible to find the lowest price provider.

The best way to compare rates is to realize auto insurance companies provide online access to compare their rates. The one thing you need to do is give them rating details like the year, make and model of vehicles, your credit rating estimate, if it has an alarm system, and how many miles driven. Your details is instantly submitted to all major companies and you get price estimates within a short period of time.

Verify you’re getting all your discounts

Insuring your fleet can be pricey, but there are discounts available to reduce the price significantly. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be asked about in order for you to get them.

  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on Patriot coverage with select insurance companies.
  • No Charge for an Accident – A few companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Homeowners Savings – Simply owning a home may trigger a car insurance policy discount because maintaining a house requires personal responsibility.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you will save at least 10% off all policies.
  • Sign Online – A handful of insurance companies will give a small break for buying your policy on their website.
  • College Student – Any of your kids who live away from home and don’t have a car may be able to be covered for less.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less on Patriot coverage than less cautious drivers.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.

It’s important to understand that some of the credits will not apply to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, it doesn’t quite work that way. But all discounts will bring down the cost of coverage.

To see a list of providers with discount car insurance rates, follow this link.

When should I talk to an agent?

When choosing coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if you might need an agent’s assistance.

  • What is an SR-22 filing?
  • Why do I need rental car insurance?
  • How does medical payments coverage work?
  • When should I not file a claim?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is pleasure use cheaper than using my 2013 Jeep Patriot to commute?
  • Does my personal policy cover me when driving out-of-state?
  • If my 2013 Jeep Patriot is totaled, can I afford another vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I pay less if my vehicle is kept in my garage?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Car insurance coverage specifics

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types available from car insurance companies.

Liability – Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as structural damage, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, vandalism, hail damage, hitting a deer and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

CollisionCollision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a mailbox, sustaining damage from a pot hole, rolling your car and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Jeep Patriot.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages do not exceed the liability coverage limits.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for expenses for things like rehabilitation expenses, doctor visits, nursing services and X-ray expenses. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

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