Car Insurance Rates for a Jeep Patriot in Stockton

It goes without saying that car insurance companies don’t want you shop around. Drivers who get price quotes annually will, in all likelihood, buy a new policy because there are good odds of finding discount prices. Remarkably, a study showed that consumers who compared rate quotes regularly saved over $3,450 over four years compared to those who don’t regularly compare prices.

If finding the cheapest price for Jeep Patriot insurance is your ultimate goal, then having a grasp of how to get price quotes and compare cheaper coverage can make it easier to shop your coverage around.

Insurance quote for Jeep Patriot in StocktonThe best way to quote cheaper Jeep Patriot insurance is to regularly compare price quotes from companies that sell auto insurance in Stockton.

Step 1: Take a little time to learn about individual coverages and the measures you can take to drop your rates. Many policy risk factors that cause high rates like traffic citations and a negative credit score can be eliminated by making minor driving habit or lifestyle changes. Keep reading for additional ideas to find cheap prices and find overlooked discounts.

Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO and State Farm, while agents who are independent can give you price quotes from multiple companies.

Step 3: Compare the new rates to the premium of your current policy to determine if switching companies saves money. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Provide proper notification to your current company to cancel your current policy and submit payment and a signed application to the newly selected company. Make sure you safely store the proof of insurance certificate somewhere easily accessible.

A key point to remember is to compare the same level of coverage on every quote request and and to get price estimates from as many companies as possible. Doing this helps ensure an accurate price comparison and the best rate selection.

Cheap companies for Jeep Patriot insurance in California

The companies shown below are ready to provide quotes in California. If several companies are displayed, it’s a good idea that you visit two to three different companies to get the best price comparison.

Premium rates and analysis

The rate table displayed next showcases estimates of insurance policy prices for Jeep Patriot models. Having a good grasp of how auto insurance premiums are determined is important for you to make informed purchases.

Jeep Patriot Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $232 $402 $424 $26 $126 $1,210 $101
Patriot Sport 4WD $232 $402 $424 $26 $126 $1,210 $101
Patriot Limited 2WD $266 $490 $424 $26 $126 $1,332 $111
Patriot Limited 4WD $266 $490 $424 $26 $126 $1,332 $111
Get Your Own Custom Quote Go

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rate quotes do not factor in your specific Stockton location which can impact auto insurance rates greatly.

Choosing deductibles

One of the most common auto insurance questions is how high should your deductibles be. The comparison tables below approximate how much more rates are when you choose different physical damage coverage deductibles. The first data table uses a $100 deductible and the second rate table uses a $1,000 deductible.

Jeep Patriot insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $332 $564 $442 $26 $132 $1,521 $127
Patriot Sport 4WD $332 $564 $442 $26 $132 $1,521 $127
Patriot Limited 2WD $380 $686 $442 $26 $132 $1,691 $141
Patriot Limited 4WD $380 $686 $442 $26 $132 $1,691 $141
Get Your Own Custom Quote Go

Jeep Patriot insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $184 $298 $442 $26 $132 $1,082 $90
Patriot Sport 4WD $184 $298 $442 $26 $132 $1,082 $90
Patriot Limited 2WD $210 $362 $442 $26 $132 $1,172 $98
Patriot Limited 4WD $210 $362 $442 $26 $132 $1,172 $98
Get Your Own Custom Quote Go

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

Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $40 more each month or $480 for a full year than buying the higher $1,000 deductible. Because you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 23 months between claims, you would more than likely save some money if you choose the higher deductible.

Auto insurance premiums by gender

The illustration below illustrates the difference between Jeep Patriot yearly insurance costs for male and female drivers. The premiums assume no claims, a clean driving record, comp and collision included, $100 deductibles, single marital status, and no policy discounts are applied.

Discounts mean cheaper rates for Jeep Patriot insurance in Stockton

The price of auto insurance can be rather high, but there may be some discounts that you may not know about. Some discounts will apply at quote time, but some need to be manually applied in order for you to get them.Cheaper insurance with discounts

Remember that most of the big mark downs will not be given to the whole policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think you can get free auto insurance, nobody gets a free ride.

The illustration below visualizes the comparison of Jeep Patriot yearly insurance costs with and without discounts applied to the policy rates. Data assumes a female driver, no claims or driving citations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, homeowner, claim-free, and multi-car discounts applied.

A partial list of companies that have many of the previously listed discounts include:

When quoting, ask each company which discounts they offer. A few discounts might not apply in Stockton. To see a list of insurance companies that can offer you the previously mentioned discounts in Stockton, click this link.

Get Lower-cost Car Insurance with These Tips

Part of the car insurance buying process is learning some of the things that help calculate the rates you pay for car insurance. If you know what controls the rates you pay, this enables informed choices that will entitle you to lower premium levels. Many factors are part of the equation when quoting car insurance. Most are fairly basic like an MVR report, although some other factors are more transparent such as whether you are married or your financial responsibility.

Listed below are a partial list of the pieces used by insurance companies to determine your premiums.

Insurance agents can help

A small number of people still prefer to visit with an insurance agent and often times that is recommended Good insurance agents can point out coverage gaps and help you file claims. The best thing about comparing insurance prices online is that you can find the best rates and still buy from a local agent.

Insurance agents in StocktonOnce you complete this quick form, your insurance coverage information is transmitted to companies in Stockton that provide free Stockton car insurance quotes for your business. It’s much easier because you don’t need to drive around as quotes are delivered directly to you. If you want to get a price quote from a specific company, don’t hesitate to find their quoting web page and give them your coverage information.

Finding a good company should depend on more than just a low price. Here are some questions you should ask.

If you prefer to buy car insurance from a local insurance agency, it’s important to understand the different types of agents from which to choose. Insurance agencies in Stockton can either be independent or exclusive depending on the company they work for. Both types can provide car insurance policies, but it’s important to point out the subtle differences because it may have an impact on buying decisions.

Exclusive Car Insurance Agents

These type of agents can usually just insure with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agents receive a lot of sales training on sales techniques and that allows them to sell at a higher price point.

Listed below is a list of exclusive agents in Stockton that can give you comparison quotes.

4110 N El Dorado StStockton, CA 95204(209) 518-9465View Map

2333 W March Ln, Ste C1Stockton, CA 95207(209) 951-7739View Map

1833 W March Ln #2Stockton, CA 95207(209) 472-7704View Map

More Stockton agents

Independent Agents

Agents in the independent channel are not locked into one company and that gives them the ability to insure through lots of different companies and get the cheapest rates. If they quote lower rates, they simply move your policy to a different company and you stay with the same agent. If you are comparing car insurance prices, you definitely need to get rate quotes from at a minimum one independent agency for maximum quote selection.

The following is a short list of independent insurance agencies in Stockton who can help you get rate quotes.

2540 Pacific Ave #1Stockton, CA 95204(209) 957-9433View Map

4545 Georgetown Pl Ste A1Stockton, CA 95207(209) 337-0241View Map

6025 Pacific AveStockton, CA 95207(209) 474-7777View Map

More Stockton agents

The lowest rates come from being thorough

When shopping online for car insurance, it’s not a good idea to buy poor coverage just to save money. There have been many cases where an accident victim reduced liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. Your objective should be to get the best coverage possible at the best price but still have enough coverage for asset protection.

We just showed you many tips how you can get a better price on Jeep Patriot insurance in Stockton. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the best prices are with some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as Allstate, GEICO and Progressive.

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