Save Money on Jeep Patriot Insurance in Colorado Springs

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Insurance rates Jeep Patriot in Colorado SpringsIf you want to save money, the best way to save on Jeep Patriot insurance is to start comparing rates regularly from insurers that insure vehicles in Colorado Springs.

  • First, spend a few minutes and learn about what coverages are included in your policy and the things you can change to keep rates low. Many rating factors that drive up the price like at-fault accidents, speeding tickets, and your credit history can be eliminated by improving your driving habits or financial responsibility.
  • Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like GEICO or State Farm, while agents who are independent can give you price quotes from multiple insurance companies.
  • Third, compare the new quotes to your existing rates to see if you can save by switching companies. If you find a lower rate quote, ensure there is no coverage lapse between policies.
  • Fourth, provide notification to your current company of your decision to cancel your current car insurance policy and submit the signed application along with the required initial payment to the new insurer. Once the paperwork is finalized, put the proof of insurance paperwork along with the vehicle's registration papers.

A good tip to remember is to try to compare similar deductibles and liability limits on every quote and and to get quotes from as many different companies as possible. This guarantees a fair rate comparison and a good representation of prices.

It's safe to conclude that auto insurance companies don't want policyholders to compare prices from other companies. People who perform rate comparisons will, in all likelihood, buy a different policy because of the good chance of finding a cheaper policy. A recent survey revealed that people who did price comparisons regularly saved on average $860 a year as compared to drivers who never compared other company's rates.

If finding the cheapest price for Jeep Patriot insurance in Colorado Springs is why you're reading this, then having a good understanding how to choose a company and compare insurance can make it easier for you to save money.

The best way we recommend to get rate comparisons for Jeep Patriot insurance in Colorado Springs utilizes the fact most insurance companies allow for online access to compare rate quotes. All you need to do is provide a little information like daily mileage, what your job is, whether your vehicle is owned or leased, and whether you are single or married. That rating information is instantly submitted to many of the top insurers and you should receive rate quotes quickly.

If you would like to compare rates now, click here and complete the quick form.

The companies shown below can provide free rate quotes in Colorado. If multiple companies are listed, we recommend you visit two to three different companies to get the most competitive price.

Insurance policy discounts you can't miss

Companies don't always advertise every possible discount in an easy-to-find place, so the list below contains a few of the more common and the harder-to-find savings tricks you should be using when you buy Colorado Springs auto insurance online. If you don't get every credit you qualify for, you could be saving more on your insurance.Cheaper insurance with discounts

  • Good Grades Discount - A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • No Charge for an Accident - Not necessarily a discount, but companies like GEICO and Allstate will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Federal Employees - Having worked for a branch of the government could cut as much as 10% off with a few insurance companies.
  • Claim-Free Discount - Insureds who avoid accidents and claims are rewarded with significantly better rates on Colorado Springs auto insurance quote in comparison to insureds who have frequent claims or accidents.
  • Own a Home and Save - Being a homeowner may earn you a small savings because maintaining a house requires personal responsibility.
  • Student Discount for Driver Training - Have your child successfully take a driver's education course as it can save substantially.
  • Defensive Driver Discounts - Taking time to complete a course in defensive driver could save 5% or more and make you a better driver.
  • Military Discounts - Having a family member in the military may qualify for rate reductions.
  • Multi-Vehicle Discounts - Buying insurance for several vehicles on a single policy qualifies for this discount.

Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, it doesn't quite work that way.

The illustration below shows the comparison of Jeep Patriot auto insurance costs with and without discounts. The information is based on a female driver, no claims or driving citations, Colorado state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, claim-free, multi-car, and multi-policy discounts applied.

Companies and the discounts they provide can be found below.

  • GEICO offers discounts for emergency military deployment, seat belt use, air bags, driver training, good student, and daytime running lights.
  • MetLife discounts include accident-free, claim-free, defensive driver, multi-policy, and good student.
  • State Farm includes discounts for multiple policy, multiple autos, driver's education, passive restraint, student away at school, and Steer Clear safe driver discount.
  • Progressive offers premium reductions for multi-policy, homeowner, online quote discount, good student, and continuous coverage.
  • Mercury Insurance offers discounts including professional/association, anti-theft, good student, age of vehicle, type of vehicle, and annual mileage.
  • 21st Century has discounts for anti-lock brakes, teen driver, automatic seat belts, theft prevention, air bags, and 55 and older.
  • Allstate may offer discounts for good student, multi-policy, teenSMART discount, eSmart discount, premier plus, farm vehicle, and EZ pay plan discount.

Double check with every insurance company how many discounts you can get. All car insurance discounts may not be offered in your state. To choose insurers that can offer you the previously mentioned discounts in Colorado, follow this link.

Rates and data analysis

The premium information shown next covers a range of insurance premium costs for Jeep Patriot models. Understanding how policy rates are calculated can assist in making informed purchases.

Jeep Patriot Insurance Rates in Colorado Springs, CO
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 based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Table data does not factor in zip code location which can alter auto insurance rates substantially.

Policy deductibles

When buying car insurance, a common question is how high should the physical damage coverage deductibles be. The premium rates below summarize the difference in cost when you buy lower versus higher comp and collision deductibles. The first pricing table uses a $100 physical damage deductible and the second data table uses a $1,000 deductible.

Jeep Patriot insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $264 $448 $352 $20 $106 $1,215 $101
Patriot Sport 4WD $264 $448 $352 $20 $106 $1,215 $101
Patriot Limited 2WD $302 $546 $352 $20 $106 $1,351 $113
Patriot Limited 4WD $302 $546 $352 $20 $106 $1,351 $113
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Jeep Patriot insurance premium rates 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
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Information does not factor in garaging location in Colorado Springs which can change insurance rates noticeably.

Based on the above data, using a $100 deductible costs roughly $32 more each month or $384 annually across all Jeep Patriot models than choosing the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 28 months between claim filings, you would come out ahead if you opt for a higher deductible.

How to calculate deductible break even point

Average monthly premium for $100 deductibles: $107
Average monthly premium for $1,000 deductibles (subtract): - $75
Monthly savings from raising deductible: $32
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

An important sidenote is that raising deductibles means you will have to cover more of the damage yourself when you have to file a claim. That will necessitate some extra savings in order to pay the deductible.

Irresponsible driving raises your rates

The diagram below shows how speeding tickets and accident claims can affect Jeep Patriot premium costs for different age groups. The prices are based on a single male driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

Rate comparison of male drivers versus female drivers

The diagram below shows the difference between Jeep Patriot insurance prices for male and female drivers. The price estimates are based on no violations or accidents, full coverage, $500 deductibles, marital status is single, and no discounts are applied.

How do Insurers Determine Jeep Patriot Insurance Premiums?

A large part of saving on car insurance is knowing some of the factors that go into determining your car insurance rates. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that could help you find cheaper rates. Many factors are part of the equation when premium rates are determined. Some are pretty understandable like a motor vehicle report, although others are not as apparent like where you live or how financially stable you are.

The items below are a few of the things car insurance companies consider when setting your rates.

Marriage discount - Being married helps lower the price when buying car insurance. Having a spouse means you're more responsible and statistics show drivers who are married are more cautious.

Youthful drivers cost more - Beginning drivers in Colorado have a tendency to get distracted easily when behind the wheel and because of this, their car insurance rates are much higher. Adding a beginning driver to your car insurance policy can really hurt. Mature drivers have been proven to be more responsible, statistically cause fewer accidents, and get fewer tickets.

The following chart uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

Miles driven impacts costs - The more miles you rack up on your Jeep annually the more it will cost to insure it. Almost all companies price each vehicle's coverage based upon how you use the vehicle. Cars used primarily for pleasure use receive lower rates compared to those used for work or business. A policy that improperly rates your Patriot is just wasting money. It's always a good idea to double check that your car insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money.

Lower prices with alarm systems - Choosing a vehicle with advanced anti-theft systems can help lower your rates. Systems that thwart thieves like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent vehicle theft.

Cars with good safety ratings means better rates - Safe vehicles cost less to insure. Safer cars result in less severe injuries and lower rates of occupant injuries means less money paid by your insurance company which can mean better rates for you.

A car insurance policy lapse is a bad thing - Driving with no insurance is not a good idea and your next policy will cost more because you let your coverage lapse. In addition to paying higher premiums, the inability to provide proof of insurance may result in a license revocation or jail time. You may have to file a SR-22 with the Colorado department of motor vehicles.

More stress means more cost - Jobs like judges, business owners, and stock brokers tend to have higher rates than the rest of us attributed to high stress and long work hours. Other occupations such as professors, students and homemakers pay the least.

Insurance losses for a Jeep Patriot - Car insurance companies use past insurance losses to determine a rate that will be profitable for them. Vehicles that historically have high amounts or severity of claims will have higher rates. The table shown below demonstrates the collected loss data for Jeep Patriot vehicles.

For each policy coverage type, the statistical loss for all vehicles, as a total average, equals 100. Values below 100 mean the vehicle has better than average losses, while percentage numbers above 100 indicate higher probability of having a loss or an increased chance of larger losses than average.

Insurance Loss Ratings for Jeep Patriot Vehicles
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

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

Neighborhood agents and insurance

Many drivers just prefer to go talk to an agent and that is OK! One of the best bonuses of comparing rate quotes online is the fact that you can find the best rates and still buy from a local agent.

To find an agent, once you fill out this short form, your insurance coverage information is immediately sent to insurance agents in Colorado Springs who will give competitive quotes for your insurance coverage. You won't even need to leave your computer because prices are sent to you instantly. You can find the lowest rates and an insurance agent to talk to. If you have a need to get a comparison quote from a particular provider, you would need to navigate to their website to submit a rate quote request.

Picking an insurer needs to be determined by more than just the bottom line cost. Any agent in Colorado Springs should be willing to answer these questions.

  • What insurance companies do they recommend if they are an independent agent?
  • Is there a Errors and Omissions policy in force?
  • Where are claims handled?
  • Does the company allow you to choose your own collision repair facility?
  • Will they give you a referral list?

Pick the best auto insurance agent in Colorado Springs for you

If you prefer to buy insurance from a local insurance agency, it can be helpful to understand the different agency structures and how they differ in how they quote coverages. Insurance agencies in Colorado Springs can be described as either independent or exclusive.

Exclusive Insurance Agents

Exclusive insurance agents work for only one company and examples are Farmers Insurance or State Farm. Exclusive agents cannot provide prices from multiple companies so they really need to provide good service. They are well schooled on sales techniques and that can be a competitive advantage. Consumers often buy insurance from these agents mostly because of the brand name and the convenience of having all coverages with one company.

The following is a short list of exclusive insurance agents in Colorado Springs who can help you get rate quotes.

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Independent Insurance Agents

These type of agents are appointed with more than one company so they can quote policies with a variety of different insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move your policy to a different company and you won't have to switch agencies. If you are trying to find cheaper rates, we highly recommend that you compare quotes from independent agents to maximize your price options. Most independent agents also contract with less well-known companies which may provide better rates.

Below is a short list of independent agents in Colorado Springs who can help you get rate quotes.

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Do I need special coverages?

When quoting and choosing the right insurance coverage, there really is not a best way to insure your cars. Everyone's situation is unique so this has to be addressed.Drive safe and save These are some specific questions can aid in determining if your situation might need professional guidance.

  • Am I covered if I have no license?
  • Does insurance cover tools stolen from my truck?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is my cargo covered for damage or theft?
  • Does my car insurance cover rental cars?
  • Are rock-chip repairs free?
  • When can I cancel my policy?

If you're not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Colorado car insurance company ratings

Insuring your vehicle with the top car insurance company is hard considering how many companies there are to choose from in Colorado. The ranking information listed below can help you select which coverage providers to look at comparing prices from.

Best Car Insurance Companies in Colorado
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Do the work, save more money

You just learned a lot of techniques to lower your Jeep Patriot insurance premium rates in Colorado Springs. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest premium rates are with the least-expected company. Smaller companies may only write in your state and offer lower prices as compared to the big name companies such as State Farm and Allstate.

As you shop your coverage around, make sure you don't skimp on coverage in order to save money. There are many occasions where an accident victim reduced liability limits or collision coverage and learned later they didn't purchase enough coverage. Your aim should be to buy a smart amount of coverage for the lowest cost while not skimping on critical coverages.

Affordable Jeep Patriot insurance in Colorado Springs is available both online and with local Colorado Springs insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some car insurance companies may not offer online rate quotes and these small insurance companies provide coverage only through local independent agents.

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