Discount Jeep Patriot insuranceWould you like to save money by finding cheaper auto insurance rates in Fort Wayne, IN? Fort Wayne drivers have a choice when trying to find the best price on Jeep Patriot insurance. You can either spend your time struggling with agents to get rate comparisons or use the internet to get rate quotes. There is a better way to shop for auto insurance and you need to know the best way to compare rates for a Jeep and find the lowest possible price from Fort Wayne insurance agents and online providers.

All major car insurance companies such as State Farm, Allstate and GEICO give prices for coverage direct online. The process is very simple because you just enter your required coverages into the form. After the form is submitted, their system automatically orders your driving record and credit report and generates pricing information based on these and other factors.

Being able to quote online for Jeep Patriot insurance in Fort Wayne streamlines rate comparisons, and it is imperative to perform this step in order to find the best car insurance rates.

If you want to get comparison pricing now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you copy your coverages just like they are on your policy. Using the same limits helps guarantee you're receiving a fair comparison for the exact same coverage.

The companies shown below are our best choices to provide price quotes in Fort Wayne, IN. If multiple companies are shown, we recommend you get prices from several of them to get the best price comparison.

Jeep Patriot Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $154 $242 $280 $16 $84 $776 $65
Patriot Sport 4WD $202 $406 $364 $22 $110 $1,104 $92
Patriot Limited 2WD $242 $436 $280 $16 $84 $1,058 $88
Patriot Limited 4WD $186 $358 $294 $18 $88 $944 $79
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rates do not factor in vehicle location which can decrease or increase insurance rates substantially.

Deductible analysis

One of the more difficult decisions when buying car insurance is which deductibles should you choose. The tables below can help illustrate the differences in price between low and high insurance deductibles. The first set of rates uses a $250 deductible for comp and collision and the second rate table uses a $500 deductible.

Jeep Patriot insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $188 $300 $280 $16 $84 $893 $74
Patriot Sport 4WD $188 $300 $280 $16 $84 $893 $74
Patriot Limited 2WD $216 $366 $280 $16 $84 $987 $82
Patriot Limited 4WD $216 $366 $280 $16 $84 $987 $82
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Jeep Patriot insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $154 $242 $280 $16 $84 $776 $65
Patriot Sport 4WD $154 $242 $280 $16 $84 $776 $65
Patriot Limited 2WD $176 $294 $280 $16 $84 $850 $71
Patriot Limited 4WD $176 $294 $280 $16 $84 $850 $71
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Prices do not factor in your specific Fort Wayne location which can alter prices substantially.

Based on the above data, using a $250 deductible costs about $10 more each month or $120 every year than buying the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you go at least 25 months between claims, you would probably be better off if you choose the higher deductible.

Cost difference between full coverage and liability

The example below illustrates the comparison of Jeep Patriot car insurance costs with liability coverage only compared to full coverage. The costs are based on no violations or claims, $500 deductibles, single female driver, and no discounts are taken into consideration.

Should you pay for full coverage or liability only?

There is no definitive guideline of when to phase out comp and collision coverage, but there is a general guideline. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let's say your Jeep Patriot claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $2,000 after paying the physical damage deductible. If you are paying more than $200 a year to have full coverage, then you might want to consider buying only liability coverage.

There are some situations where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

It may be expensive, but it's not optional

Despite the high cost of buying insurance for a Jeep Patriot in Fort Wayne, buying insurance is required by state law in Indiana and it also provides benefits you may not be aware of.

The benefits of buying insurance definitely exceed the cost, especially if you ever need it. As of last year, the average driver in Indiana is wasting up to $855 a year so compare rate quotes each time the policy renews to save money.

Lower rates by qualifying for discounts

Insurance can be prohibitively expensive, but you can get discounts that you may not even be aware of. Many of these discounts will be applied automatically when you quote, but less common discounts must be asked for before they will apply. If they aren't giving you every credit you qualify for, you may be paying too high a price.Save money with discounts

Keep in mind that most discount credits are not given to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, companies don't profit that way.

Companies and a selection of discounts are:

When getting a coverage quote, ask each company or agent how you can save money. Discounts might not apply in your area. To choose providers that offer some of these discounts in Fort Wayne, click here to view.

Are insurance agencies obsolete?

Some consumers would rather talk to an insurance agent and that can be a smart move Experienced insurance agents can answer important questions and give you someone to call. A nice benefit of comparing insurance prices online is the fact that drivers can get lower rates but still work with a licensed agent.

Insurance agency in Fort WayneAfter completing this simple form, your information is instantly submitted to participating agents in Fort Wayne who will gladly provide quotes for your auto insurance coverage. You won't even need to do any legwork because quoted prices will be sent to your email. If you have a need to get a comparison quote from a specific company, you can always go to their quote page and give them your coverage information.

Selecting an provider should depend on more than just a cheap price. These questions are important to ask:

More quotes mean more car insurance savings

We covered some good ideas how to shop for Jeep Patriot insurance online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with some of the lesser-known companies.

Lower-priced Jeep Patriot insurance in Fort Wayne can be purchased from both online companies in addition to local insurance agencies, so you need to quote Fort Wayne car insurance with both to have the best rate selection. A few companies may not provide rate quotes online and many times these smaller providers only sell coverage through independent agencies.

When shopping online for car insurance, do not reduce coverage to reduce premium. There have been many situations where an insured cut uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. The ultimate goal is to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

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