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.
Unimaginable 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.
- Safety Restraint Discount – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
- Auto/Life Discount – Insurance carriers who offer life insurance give a lower price if you buy life insurance.
- No Claim Discounts – Drivers who don’t have accidents can earn big discounts as opposed to drivers who are more careless.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if it’s offered in school.
- Distant College Student Discount – Youth drivers who are attending college without a vehicle on campus could qualify for this discount.
- Military Rewards – Having an actively deployed family member could mean lower car insurance rates.
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:
- Farm Bureau may offer discounts for multi-vehicle, driver training, multi-policy, good student, youthful driver, safe driver, and renewal discount.
- State Farm may include discounts for multiple policy, student away at school, driver’s education, defensive driving training, good driver, and good student.
- Progressive policyholders can earn discounts including online quote discount, continuous coverage, good student, multi-vehicle, and multi-policy.
- Allstate offers discounts including senior citizen, 55 and retired, FullPay discount, good student, defensive driver, new car, and premier plus.
- Nationwide has discounts for anti-theft, family plan, accident-free, defensive driving, and good student.
- MetLife offers discounts for good student, multi-policy, claim-free, good driver, defensive driver, accident-free
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.
| 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.
| 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 | |||||||
| 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.
For 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.
Hall Insurance Agency, Inc.
3559 Williams Rd Suite 110 – Fort Worth, TX 76116 – (817) 370-0125 – View Map
Fort Worth Insurance Agency
5049 Trail Lake Dr – Fort Worth, TX 76133 – (817) 292-2929 – View Map
Luna Insurance Agency
4475 Hemphill St – Fort Worth, TX 76115 – (817) 744-8150 – View Map
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 #100 – Fort Worth, TX 76132 – (817) 731-8855 – View Map
Bill Carter – State Farm Insurance Agent
3525 Denton Hwy – Fort Worth, TX 76117 – (817) 838-2342 – View Map
Jerry Yowell – State Farm Insurance Agent
4900 Overton Ridge Blvd Ste 211 – Fort Worth, TX 76132 – (817) 292-5775 – View Map
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.
- Who are their largest clients?
- Is the agency involved in supporting local community causes?
- Does the agent help file claims?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- How much will you save each year by using a higher deductible?
- Are all drivers listed on the coverage quote?
- Is the agency covered by Errors and Omissions coverage?
- Do they get extra compensation for selling add-on coverages?
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.
- Discounts for married couples – Walking down the aisle may save some money when shopping for insurance. Marriage usually means you are more mature and responsible and statistics show drivers who are married are more cautious.
- Little extras can really add up – There are many extra bells and whistles that may not really be needed but may not be useful. Coverage for things like vanishing deductibles, towing coverage, and motor club memberships are probably not needed. You may think they are a good idea when you first buy your policy, but if you’ve never needed them in the past remove them and pocket the money.
- Policy lapses raise insurance rates – Not having insurance is illegal and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, being ticketed for driving with no insurance can result in a steep fine or even jail time. You may need to prove you have insurance by filing a SR-22 with the Texas department of motor vehicles.
- Small frequent claims are not good – Car insurance companies in Texas give discounts to policyholders who file claims infrequently. If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
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Insurance loss statistics a Jeep Patriot – Companies use statistical claims data to calculate a rate that will offset losses. Models that historically have a trend towards higher claim severity or frequency will cost more to insure.
The table below outlines the loss history for Jeep Patriot vehicles. For each coverage type, the claim amount for all vehicles, regardless of make or model, is equal to 100. Percentage values below 100 represent a good loss history, while percentage values above 100 indicate more frequent losses or larger claims.
Jeep Patriot Insurance Loss Statistics 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 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
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 majority of states have mandatory liability insurance requirements which means you are required to buy a specific level of liability if you don’t want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Patriot, most banks will make it mandatory that you buy insurance to guarantee loan repayment. If you let the policy lapse, the lender may have to buy a policy to insure your Jeep at a much higher premium rate and force you to pay for the expensive policy.
- Car insurance protects not only your Jeep but also your financial assets. It will also reimburse you for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if anyone sues you for causing an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
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.
- 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.
- 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
- 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.
- 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.
To read more, take a look at these articles:
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Who Has Affordable Auto Insurance Rates for Teachers in Fort Worth? (FAQ)
- Who Has Cheap Fort Worth Auto Insurance Rates for Ride Shares? (FAQ)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Speed and Speed Limit FAQ (iihs.org)
- How do I File a Claim? (Insurance Information Institute)
- Child Safety Seats (Insurance Information Institute)