Are you looking for a better way to compare more affordable Jeep Patriot insurance in Long Beach? Perplexed by the number of insurance choices that you can choose from? You have so many options that it can easily turn into a real difficult job to compare prices on Jeep Patriot insurance. Everyone knows that Long Beach is a great place to live, but expensive insurance premiums can make it hard for many drivers to be able to afford adequate coverage.
Steps to finding lower priced Jeep Patriot insurance in Long Beach
If saving money is your primary concern, then the best way to find the cheapest price for Jeep Patriot insurance is to annually compare prices from insurers who sell insurance in Long Beach. Rate comparisons can be done by following these steps.
First, spend some time learning about how insurance works and the things you can control to prevent expensive coverage. Many policy risk factors that cause high rates like your driving record and an imperfect credit score can be improved by making lifestyle changes or driving safer.
Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like Progressive or Allstate, while independent agencies can quote rates from multiple insurance companies.
Third, compare the quotes to your current policy and determine if cheaper Patriot coverage is available in Long Beach. If you can save some money and buy the policy, verify that coverage does not lapse between policies.
Fourth, provide notification to your current agent or company to cancel your current policy and submit the completed application along with a down payment for the new coverage. Be sure to put the new proof of insurance paperwork along with your vehicle registration.
The key aspect of shopping around is to make sure you’re comparing identical coverages on every quote request and and to look at as many companies as you can. This ensures the most accurate price comparison and plenty of rates choose from.
Regrettably, most California insurance customers kept their policy with the same company for a minimum of four years, and about 40% of consumers have never quoted insurance rates at all. American insurance shoppers could save roughly 46.5% each year, but most just don’t grasp the rate savings if they swap their current policy for a cheaper one.
There are several ways of comparing rates from different companies. The best way to compare Jeep Patriot insurance prices is to perform an online rate comparison.
It’s important to know that comparing a wide range of rates helps you find a lower rate. Not every company allows you to get price estimates online, so you need to compare quotes on coverage from those companies, too.
The companies shown below are our best choices to provide price comparisons in Long Beach, CA. If your goal is to find cheap car insurance in CA, it’s a good idea that you click on several of them to get the cheapest price.
These discounts can lower Jeep Patriot insurance rates
Some companies do not advertise every policy discount very clearly, so the list below gives a summary of some of the best known as well as the least known credits that you can use to lower your rates.
- E-sign – Some of the larger companies provide a small discount for buying your policy online.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save a little on medical payment and PIP coverage.
- Accident Forgiveness – Not necessarily a discount, but a few companies such as Allstate and GEICO will allow you to have one accident before raising your premiums so long as you are claim-free for a particular time prior to the accident.
- Switch and Save Discount – Some companies provide a discount for signing up prior to your current Patriot insurance policy expiring. This discount can save up to 10%.
- Payment Method – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
- Military Discounts – Having a family member in the military could qualify you for better rates.
- Driver Education Discount – Teen drivers should enroll and complete driver’s education in high school.
- Long Beach Homeowners Discount – Just owning your own home can earn you a little savings because maintaining a house means you have a higher level of financial diligence.
Remember that some credits don’t apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
The diagram below illustrates the comparison of Jeep Patriot premium costs with and without discounts applied to the policy premium. Data assumes a female driver, no accidents or driving violations, California 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 claim-free, homeowner, marriage, safe-driver, multi-car, and multi-policy discounts applied.
To see a list of companies who offer online Jeep Patriot insurance quotes in California, follow this link.
Rates and data analysis
The price information below highlights different rate quotes for Jeep Patriot models. Understanding more about how rate quotes are figured can aid in making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $186 | $316 | $416 | $24 | $124 | $1,066 | $89 |
| Patriot Sport 4WD | $186 | $316 | $416 | $24 | $124 | $1,066 | $89 |
| Patriot Limited 2WD | $214 | $386 | $416 | $24 | $124 | $1,164 | $97 |
| Patriot Limited 4WD | $214 | $386 | $416 | $24 | $124 | $1,164 | $97 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Table data does not factor in garaging location in Long Beach which can affect auto insurance rates greatly.
Deductible comparison
One of the hardest decisions when shopping for car insurance is how low should you set your deductibles. The tables below may help to illustrate the differences in premium rates between high and low deductibles. The first pricing table uses a $250 deductible for comp and collision and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $298 | $472 | $442 | $26 | $132 | $1,395 | $116 |
| Patriot Sport 4WD | $298 | $472 | $442 | $26 | $132 | $1,395 | $116 |
| Patriot Limited 2WD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Patriot Limited 4WD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Get Your Own Custom Quote Go | |||||||
| 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 | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Table data does not factor in specific location information which can influence insurance rates significantly.
We can derive from the above data that using a $250 deductible will cost you about $29 more each month or $348 every year averaged for all Patriot models than quoting the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 26 months between claims, you would save more money going with the higher deductible.
How careless driving impacts Long Beach car insurance rates
The chart below shows how traffic citations and at-fault fender-benders can affect Jeep Patriot car insurance costs for different insured age categories. The data is based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.
Annual premiums comparing men and women
The information below illustrates the difference between Jeep Patriot insurance rates for male and female drivers. The prices are based on no claims or driving violations, comprehensive and collision coverage, $250 deductibles, single status, and no policy discounts are applied.
How You Can Control Jeep Patriot Insurance Rates
Many factors are part of the equation when you quote your car insurance policy. Some are obvious like an MVR report, but other factors are more transparent like your continuous coverage or your vehicle rating. An important part of buying insurance is that you know some of the factors that aid in calculating car insurance rates. When you understand what controls the rates you pay, this allows you to make educated decisions that can earn you lower car insurance prices.
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Rates are impacted by vehicle performance – The performance of the vehicle you drive makes a huge difference in your auto insurance rates. The lowest rates tend to be for small economy passenger cars, but your final cost has many other factors.
The next chart is based on a single male driver age 20, full coverage with $500 deductibles, and no discounts or violations. It compares Jeep Patriot rates compared to other models that have a range of performances.
- Consolidate policies and save – Most major companies will award better rates to buyers who carry more than one policy in the form of a multi-policy discount. Even with this discount, it’s in your best interest to check prices from other companies to ensure the best deal. Drivers may still find a better deal even if you have your coverage with different companies
- Safety first – Safe vehicles tend to have lower insurance rates. Highly rated vehicles protect occupants better and reduced instances of injuries means less money paid by your insurance company and cheaper rates on your policy.
- Married people drive safer – Having a significant other helps lower the price on your car insurance policy. It translates into being more mature and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
- Your employer is a factor – Occupations like doctors, architects, and medical professionals tend to pay higher rates than the rest of us attributed to job stress and extremely grueling work hours. On the flip side, jobs like actors, engineers and homemakers get better rates.
- Lower rates with alarms and GPS tracking – Selecting a car model with advanced anti-theft systems can earn a premium discount. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
- Stay claim-free and save – Insurance companies in California award lower rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee higher rates. Auto insurance is meant to be used in the event of more catastrophic claims.
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Insurance losses for a Jeep Patriot – Companies analyze historical claim data when setting rates for each model. Vehicles that the statistics show to have higher number or severity of losses will have higher rates.
The information below illustrates the insurance loss data for Jeep Patriot vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, regardless of make or model, is a value of 100. Values that are below 100 indicate a favorable loss history, while numbers above 100 indicate a higher chance of having a claim or a tendency for losses to be larger than average.
Insurance Loss Ratings for Jeep Patriot Vehicles 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 BETTERAVERAGEWORSEData Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
When to contact an insurance agency
Some consumers would prefer to get professional advice from a licensed agent and that is a personal choice. A good thing about price shopping on the web is the fact that you can find cheap rate quotes and still have an agent to talk to.
Once you complete this quick form, your insurance coverage information is sent to participating agents in Long Beach that can provide free Long Beach car insurance quotes and help you find cheaper coverage. You never need to leave your house because prices are sent to you directly. You’ll get the best rates and a licensed agent to talk to. If you have a need to get a price quote from a particular provider, just go to their quote page and fill out the quote form the provide.
Picking the best insurance company should depend on more than just a cheap price quote. Ask your prospective agent these questions:
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- How will an accident affect your rates?
- Which insurance companies are they affiliated with?
- Is there a 24/7 contact number?
- Is the agency active in community causes in Long Beach?
- Do they receive special compensation for putting your coverage with one company over another?
- Are they able to influence company decisions when a claim is filed?
- Does the quote include credit and driving reports?
If you are searching for a good insurance agency, you must know there are a couple types of agencies and how they can write your policy. Agents in Long Beach may be either exclusive agents or independent agents.
Exclusive Agencies
Agents that elect to be exclusive write business for a single company and examples are Allstate, State Farm and Farmers Insurance. They are unable to provide prices from multiple companies so they really need to provide good service. Exclusive agents are well trained on what they offer and that can be a competitive advantage. A lot of people purchase coverage from exclusives partially due to the prominent brand name and strong financial ratings.
Listed below are exclusive insurance agencies in Long Beach who may provide you with rate quotes.
- Farmers Insurance: Peter Long
818 E Anaheim St #220 – Long Beach, CA 90813 – (562) 951-1813 – View Map - Allstate Insurance: Braden Palmer
5000 E Spring St Ste 390 – Long Beach, CA 90815 – (562) 425-5109 – View Map - Allstate Insurance: Joilyn Hanley
5520 E 2nd St a – Long Beach, CA 90803 – (562) 438-4663 – View Map
Independent Agents
These agents do not have single company limitations and that enables them to quote your coverage with many different companies and find you cheaper rates. If your agent finds better pricing, the agent simply finds a different carrier which is easy for the insured. If you are comparing insurance prices, we recommend you include several independent insurance agents to ensure the widest selection of prices. Most can insure with additional companies that you may not be familiar with which may have better rates.
Below is a list of independent agencies in Long Beach willing to provide comparison quotes.
- Lara Insurance
6689 Downey Ave – Long Beach, CA 90805 – (562) 408-2800 – View Map - C. Diamond Insurance Agency
5538 Long Beach Blvd – Long Beach, CA 90805 – (562) 428-4995 – View Map - Amico Insurance Agency
100 Oceangate #1200 – Long Beach, CA 90802 – (562) 628-5553 – View Map
Upon receiving good feedback to any questions you may have as well as a price you’re happy with, you have narrowed it down to an insurance agency that can adequately provide insurance.
One last note
People switch companies for many reasons like high rates after DUI convictions, extreme rates for teen drivers, questionable increases in premium or being labeled a high risk driver. It doesn’t matter why you want to switch switching car insurance companies is pretty easy and you might even save some money in the process.
As you restructure your insurance plan, you should never buy less coverage just to save a little money. In many instances, an accident victim reduced liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. The goal is to get the best coverage possible at the lowest possible cost, but do not skimp to save money.
We just covered quite a bit of information on how to get a better price on Jeep Patriot insurance in Long Beach. The key concept to understand is the more quotes you get, the higher your chance of finding affordable Long Beach car insurance quotes. You may even find the most savings is with a company that doesn’t do a lot of advertising.
How to find affordable Jeep Patriot insurance in Long Beach
If saving the most money is your goal, then the best way to get budget car insurance rates is to do an annual price comparison from companies who provide car insurance in Long Beach.
Step 1: Gain an understanding of how companies price auto insurance and the things you can control to lower rates. Many risk factors that increase rates such as your driving record and a poor credit rating can be eliminated by making minor driving habit or lifestyle changes.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO and State Farm, while agents who are independent can provide price quotes from many different companies. Select a company
Step 3: Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find a better price, 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 car insurance policy. Submit the completed application along with a down payment to the newly selected company. As soon as coverage is bound, safely store the certificate of insurance along with your vehicle registration.
One key aspect when comparing rates is to use the same physical damage deductibles and liability limits on every price quote and and to get prices from every company you can. This helps ensure a fair price comparison and plenty of rates choose from.
More information is located at these links:
- Understanding Your Insurance Deductible (Insurance Information Institute)
- What Auto Insurance is Cheapest for Real Estate Agents in Long Beach? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Teenagers in Long Beach? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Lyft Drivers in Long Beach? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Welfare Recipients in Long Beach? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Nurses in Long Beach? (FAQ)
- What is a Telematics Device? (Allstate)
- Liability Insurance Coverage (Nationwide)