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.

The 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.

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.

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.

• Low Mileage Discounts – Low annual miles could qualify for substantially lower premium rates.
• Stockton Homeowners Discount – Just owning your own home can save a few bucks because maintaining a house requires personal responsibility.
• Safety Course Discount – Passing a driver safety course could earn you a small percentage discount and make you a better driver.
• New Car Discount – Buying insurance on a new vehicle can cost up to 25% less since newer models have better safety ratings.
• Good Students Pay Less – This discount can save 20 to 25%. The good student discount can last up to age 25.
• No Claims – Drivers who don’t have accidents can earn big discounts when compared with policyholders that have many claims.
• Early Signing – A few insurance companies allow discounts for signing up prior to your current Patriot insurance policy expiring. It could save around 10% when you buy Stockton car insurance online.

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:

• American Family
• State Farm
• 21st Century
• Travelers
• GEICO

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.

• Pleasure use or commuting – Driving a lot of miles every year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based upon how much you drive. Vehicles left parked in the garage get more affordable rates compared to those used for work or business. Having the wrong rating on your Patriot may be costing you. Make sure your car insurance declarations sheet is rated on how each vehicle is driven.

• How’s your driving record? – Being a careful driver impacts premiums far more than you think. Even one driving citation could increase your next policy renewal substantially. Drivers who don’t get tickets have lower premiums as compared to careless drivers. Drivers who have received flagrant tickets such as DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to legally drive.

  The illustration below illustrates how violations and fender-benders can drive up Jeep Patriot insurance costs for each age group. The data is based on a single male driver, comp and collision included, $100 deductibles, and no discounts are applied.

• Does your occupation cost you more? – Did you know your occupation can influence how much you pay for car insurance? Jobs such as judges, air traffic controllers, and dentists generally have higher average rates because of job stress and lengthy work days. Other jobs like farmers, students and homemakers receive lower rates.
• Drivers with high credit save – A driver’s credit rating is a large factor in calculating your premium rate. If your credit history is low, you could be paying less to insure your Jeep Patriot by improving your credit score. People that have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower ratings.

• Performance impacts insurance prices – The performance of the vehicle you are insuring makes a huge difference in your car insurance bill. The lowest premiums are usually for the lowest performance passenger cars, but your final cost has many other factors.

  The following data is based on a single female driver age 20, full coverage with $500 deductibles, and no discounts or violations. It shows Jeep Patriot insurance premiums compared to other makes and models that have a range of performance risks.

• Pay more out-of-pocket – Deductibles for physical damage define how much you are required to spend out-of-pocket in the event of a claim. Physical damage coverage, aka comp and collision, protects your car from damage. Some examples of covered claims are collision with another vehicle, damage caused by hail, and having a roll-over accident. The larger the amount the insured is willing to pay, the bigger discount you will receive.
• Less chance of injury means lower premiums – Vehicles with high crash test scores can get you lower premiums. Safer cars reduce occupant injuries and any reduction in injury severity means less money paid by your insurance company which can mean better rates for you. If your Jeep has ratings of a minimum four stars on Safercar.gov it may be receiving lower rates.
• Marriage reduces risk – Having a significant other can actually save you money on car insurance. Having a spouse usually means you are more stable financially and insurance companies like that married drivers tend to file fewer claims.

• Jeep Patriot insurance claim data – Companies use statistical claims data when they calculate premium prices for each model. Vehicles that the data determines to have increased claim numbers or amounts will cost more to insure. The table below demonstrates the actual insurance loss data for Jeep Patriot vehicles.

  For each insurance policy coverage type, the loss probability for all vehicles compiled together is represented as 100. Numbers shown that are under 100 indicate better than average losses, while numbers that are greater than 100 indicate a higher chance of having a claim or larger claims.

  
  

  Jeep Patriot Insurance Claim Statistics

  Vehicle 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

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

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.

Once 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.

• What company holds the largest book of business for them?
• Is the quote a firm price?
• Is the coverage adequate for your vehicle?
• Will the agent help in case of a claim?
• Are you getting all the discounts the company offers?
• How much can you save by raising your physical damage deductibles?

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.

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.

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.

Additional resources

• Older Driver Statistics (Insurance Information Institute)
• What is the Cheapest Car Insurance in Stockton, California? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for Drivers Requiring a SR22 in Stockton? (FAQ)
• Who Has Affordable Stockton Car Insurance Quotes for a Subaru Outback? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for Retired Military in Stockton? (FAQ)
• What Insurance is Cheapest for First-time Drivers in Stockton? (FAQ)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Things to Know Before you Cancel Insurance (Allstate)
• Keeping Children Safe in Crashes Video (iihs.org)