How to Compare Arlington Jeep Patriot Insurance

Insurance quote for Jeep Patriot in ArlingtonIt’s a known fact that insurance companies want to keep your business as long as possible. Drivers who shop around once a year are inclined to move their business because there is a significant possibility of finding a lower-cost company. Surprisingly, a recent survey revealed that people who did price comparisons regularly saved an average of $3,400 over four years as compared to drivers who never compared rates.

If finding the cheapest price on insurance is your objective, understanding how to quote and compare insurance can help you succeed in finding affordable rates.

If saving money is your primary concern, then the best way to find affordable quotes for Jeep Patriot insurance in Arlington is to compare prices at least once a year from different companies in Texas.

First, try to understand how car insurance works and the measures you can take to prevent expensive coverage. Many factors that are responsible for high rates such as accidents, careless driving, and your credit history can be eliminated by making lifestyle changes or driving safer. This article provides additional ideas to get better rates and find discounts that you may qualify for.

Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO or Allstate, while independent agents can provide price quotes from multiple companies. Find an Arlington insurance agent

Third, compare the new rates to your existing policy and determine if there is any savings. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, provide notification to your current agent or company of your intention to cancel the current policy and submit the application along with any required down payment to the newly selected company. Once the application is submitted, put the certificate verifying proof of insurance in your vehicle.

A good tip to remember is to try to compare similar limits and deductibles on every quote request and and to get price quotes from as many different companies as possible. This enables an accurate price comparison and a thorough selection of prices.

Locating the best rates in Arlington is quite easy if you know the best way to do it. If you already have coverage or just want to reduce your rates, use these money-saving tips to find the best rates without reducing coverage. Smart buyers only need an understanding of the proper methods to get comparison quotes from many different companies online.

The companies shown below offer price comparisons in Arlington, TX. To find the cheapest car insurance in Arlington, we recommend you visit two to three different companies in order to find the most competitive rates.

Data for Jeep Patriot insurance

The rate table shown next covers different insurance premium costs for Jeep Patriot models. Having a better understanding of how auto insurance prices are formulated can be useful when making informed decisions when comparing rates.

Jeep Patriot Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $246 $460 $496 $30 $148 $1,380 $115
Patriot Sport 4WD $246 $460 $496 $30 $148 $1,380 $115
Patriot Limited 2WD $282 $560 $496 $30 $148 $1,516 $126
Patriot Limited 4WD $282 $560 $496 $30 $148 $1,516 $126
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in your specific Arlington location which can revise coverage rates considerably.

Comparison of policy deductibles

When buying auto insurance, a common question is how high or low should comp and collision deductibles be. The rates below illustrate the rate differences when you select higher and lower physical damage coverage deductibles. The first rate comparisons uses a $250 deductible and the second set of prices uses a $500 deductible.

Jeep Patriot insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $256 $408 $382 $22 $114 $1,207 $101
Patriot Sport 4WD $256 $408 $382 $22 $114 $1,207 $101
Patriot Limited 2WD $294 $496 $382 $22 $114 $1,333 $111
Patriot Limited 4WD $294 $496 $382 $22 $114 $1,333 $111
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Jeep Patriot insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $208 $328 $382 $22 $114 $1,054 $88
Patriot Sport 4WD $208 $328 $382 $22 $114 $1,054 $88
Patriot Limited 2WD $240 $400 $382 $22 $114 $1,158 $97
Patriot Limited 4WD $240 $400 $382 $22 $114 $1,158 $97
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Table data does not factor in garaging location in Arlington which can decrease or increase insurance rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $13 more each month or $156 for a full year than buying the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 19 months between claim filings, you would probably save some money if you choose a higher deductible.

The example below shows how different deductible levels and can affect Jeep Patriot yearly insurance costs for each different age category. The information is based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

How accidents and tickets impact rates in Arlington

The information below shows how violations and accidents drive up Jeep Patriot insurance premiums for different categories of driver ages. Data assumes a married male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

Auto insurance rates based on gender in Arlington

The example below shows the difference between Jeep Patriot yearly insurance costs for male and female drivers. The costs are based on no accidents or driving violations, comp and collision included, $250 deductibles, drivers are single, and no other discounts are factored in.

Difference between liability only and full coverage rates

The illustration below illustrates the comparison of Jeep Patriot auto insurance rates when comparing full coverage to state minimum liability only. The rates are based on no claims or driving citations, $250 deductibles, single status, and no discounts are applied.

When to buy liability coverage only

There is no clear-cut formula to stop paying for physical damage insurance, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s say your Jeep Patriot replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $3,000 after paying your policy deductible. If it’s costing in excess of $300 annually for your policy with full coverage, then you might want to think about dropping full coverage.

There are some circumstances where only buying liability is not financially feasible. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

Insurance agencies can help

Certain consumers just want to have an agent’s advice and that is just fine! Good insurance agents are highly skilled in risk management and help submit paperwork. A good thing about price shopping on the web is that you can obtain the lowest rates but also keep your business local.

Insurance agency in ArlingtonBy using this short form, your coverage information is instantly submitted to participating agents in Arlington who will give competitive quotes to get your business. It makes it easy because there is no need to search for any insurance agencies due to the fact that quote results will go instantly to you. If for some reason you want to compare prices from a specific company, just go to their quote page and submit a quote form there.

Picking the best insurance company should include more criteria than just a cheap quote. A good agent in Arlington will have answers to these questions.

Types of auto insurance agents in Arlington

If you want a reliable insurance agency, there are two different agency structures from which to choose. Car insurance agencies can be categorized as either exclusive agents or independent agents. Both can insure your vehicles, but it’s worth learning the difference in the companies they write for because it can influence your agent selection.

Exclusive Agencies

These type of agents can only quote rates from one company such as Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot provide other company’s prices so they have no alternatives for high prices. Exclusive agents receive a lot of sales training on their products and sales techniques which helps them compete with independent agents.

Below is a list of exclusive insurance agents in Arlington that can give you price quotes.

2614 W Arkansas LnArlington, TX 76016(817) 303-3880View Map

3415 S Collins St #107Arlington, TX 76014(817) 466-3000View Map

1814 N Cooper StArlington, TX 76011(817) 861-3422View Map

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Independent Agents (or Brokers)

These type of agents are not restricted to one company so they can quote policies with many different companies and find you the best rates. If premiums increase, the business is moved internally and you stay with the same agent.

If you are trying to find cheaper rates, we highly recommend that you compare quotes from several independent insurance agents to have the most options to choose from.

Listed below is a short list of independent insurance agents in Arlington who can help you get comparison quotes.

Sun West Insurance Agency Inc
600 Six Flags Dr #102Arlington, TX 76011(817) 261-1101View Map

816 E Abram St #106Arlington, TX 76010(817) 261-1300View Map

1900 E Abram StArlington, TX 76010(817) 635-0375View Map

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