Jeep Patriot Insurance Quotes in Sacramento

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Tired of not being able to afford to keep your car insured? You are in the same boat as the majority of other drivers in California.

Insurance rates Jeep Patriot in SacramentoAstonishing but true, most consumers have bought auto insurance from the same company for four years or more, and roughly 40% of drivers have never even shopped around for affordable coverage. Many consumers in Sacramento can cut their rates by roughly $500 a year just by shopping around, but they don't want to spend time to compare rates online.

Steps to finding the cheapest rates for Jeep Patriot insurance in Sacramento

If saving money is your primary concern, then the best way to get low-cost Jeep Patriot insurance is to do an annual price comparison from providers who can sell car insurance in Sacramento. Prices can be compared by following these guidelines.

  • First, take a few minutes and learn about how insurance companies determine prices and the modifications you can make to keep rates in check. Many things that result in higher rates like traffic violations, accidents, and bad credit can be remedied by being financially responsible and driving safely. Read the full article for instructions to prevent high prices and get discounts that may be overlooked.
  • Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agents can provide prices for many different companies. View a list of agents
  • Third, compare the new quotes to your current policy to see if you can save by switching companies. If you find a better price and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
  • Fourth, provide proper notification to your current company of your intent to cancel your current policy and submit payment and a signed application for the new coverage. Once the paperwork is finalized, place the new proof of insurance paperwork in your vehicle's glove compartment or console.

The most important part of shopping around is that you'll want to make sure you compare identical limits and deductibles on every price quote and and to get prices from as many carriers as you can. This guarantees a fair rate comparison and the best price quote selection.

Numerous auto insurance companies battle for your insurance dollar, and it can be difficult to compare rates and uncover the absolute best rate on Jeep Patriot insurance in Sacramento.

Consumers should take time to quote other rates every six months because prices are variable and change quite frequently. Even if you got the lowest rates on Jeep Patriot insurance in Sacramento last year you can probably find a better rate quote now. Forget anything you know (or think you know) about auto insurance because you're about to find out one of the best ways to buy cheaper Jeep Patriot insurance in Sacramento.

How to get Sacramento Jeep Patriot insurance rate quotes

When comparing auto insurance rates, know that comparing a wide range of rates helps locate more affordable rates. Some companies don't provide online price quotes, so you also need to get quotes from them as well.

The companies shown below provide price comparisons in Sacramento, CA. To buy the best cheap auto insurance in CA, it's highly recommended you click on several of them in order to find the most competitive rates.

Companies offer many types of discounts on Jeep Patriot insurance in Sacramento

Auto insurance companies do not advertise all discounts in a way that's easy to find, so the following is a list of some of the best known in addition to some of the lesser obvious credits available to you.Cheaper auto insurance with discounts

  • First Accident Forgiveness - Not a discount per se, but a handful of insurance companies will allow you to have one accident without getting socked with a rate hike so long as you haven't had any claims for a particular time prior to the accident.
  • Data Collection Discounts - People who choose to allow driving data collection to analyze when and where they use their vehicle by using a small device installed in their vehicle such as Progressive's Snapshot and State Farm's In-Drive could see a rate decrease if they have good driving habits.
  • Discount for Life Insurance - Some auto insurance companies give a discount if you purchase some life insurance too.
  • Service Members Pay Less - Having a family member in the military can result in better rates.
  • ABS and Traction Control Discounts - Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents and the ABS can save up to 10%.
  • Sacramento Homeowners Discount - Owning your own home or condo can get you a discount because owning a home shows financial diligence.
  • Multi-policy Discount - When you have multiple policies with the same insurance company they may give you a discount of at least 10% off all policies.
  • Drive Safe and Save - Drivers who avoid accidents can pay as much as 50% less as compared to drivers with claims.
  • Memberships - Being in qualifying clubs or civic groups is a good way to get lower rates on your policy.

Don't be shocked that most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. Despite the appearance that all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount should definitely cut your premiums.

The example below compares Jeep Patriot auto insurance costs with and without some available policy discounts. The prices are based on a male driver, no claims or driving violations, 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 claim-free, safe-driver, homeowner, multi-car, multi-policy, and marriage discounts applied.

Larger auto insurance companies and a summarized list of policyholder discounts include:

  • GEICO offers discounts including seat belt use, military active duty, good student, anti-lock brakes, federal employee, and emergency military deployment.
  • Travelers policyholders can earn discounts including continuous insurance, new car, good student, driver training, multi-car, hybrid/electric vehicle, and IntelliDrive.
  • Nationwide may include discounts for Farm Bureau membership, anti-theft, good student, family plan, and easy pay.
  • Farmers Insurance may have discounts that include multi-car, teen driver, bundle discounts, electronic funds transfer, youthful driver, business and professional, and early shopping.
  • Esurance has savings for Pac-12 alumni, multi-car, anti-theft, anti-lock brakes, and safety device.
  • State Farm offers discounts for multiple policy, accident-free, passive restraint, anti-theft, and good student.
  • Progressive has discounts for multi-policy, online signing, homeowner, continuous coverage, good student, online quote discount, and multi-vehicle.
  • Mercury Insurance offers premium reductions for ease of repair, good driver, professional/association, low natural disaster claims, anti-theft, and accident-free.

Check with each company which discounts can lower your rates. Some discounts listed above might not apply in Sacramento. To view auto insurance companies that have a full spectrum of discounts in Sacramento, click this link.

Insurance rate breakdown

The price information shown below highlights detailed analysis of insurance policy prices for Jeep Patriot models. Having knowledge of how car insurance prices are formulated can be valuable when making smart choices when purchasing an insurance policy.

Jeep Patriot Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $178 $292 $450 $26 $134 $1,080 $90
Patriot Sport 4WD $178 $292 $450 $26 $134 $1,080 $90
Patriot Limited 2WD $204 $354 $450 $26 $134 $1,168 $97
Patriot Limited 4WD $204 $354 $450 $26 $134 $1,168 $97
Get Your Own Custom Quote Go

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Prices do not factor in vehicle garaging location which can lower or raise rates greatly.

How high should deductibles be?

One of the more difficult decisions when buying insurance is at what level do you set your deductibles. The tables below show how much more you'll pay when you select higher and lower insurance deductibles. The first price estimate table uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Jeep Patriot insurance prices 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 prices 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

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Table data does not factor in garaging location in Sacramento which can revise rates greatly.

We can estimate from the data above that using a $100 deductible will cost you roughly $40 more each month or $480 every year than quoting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 23 months between claims, you would probably be better off if you choose the higher deductible.

The example below highlights how deductible selection and can impact Jeep Patriot premium costs for different age groups. The rates are based on a single male driver, comp and collision included, and no policy discounts are applied.

Violations and accidents raise rates

The diagram below shows how speeding tickets and at-fault collisions can impact Jeep Patriot yearly insurance costs for each age group. The costs are based on a married female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

Age, gender, and Jeep Patriot insurance

The diagram below shows the difference between Jeep Patriot insurance rates for male and female drivers. The premium estimates are based on no accidents, no driving violations, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are applied.

How to find a good California car insurance company

Insuring your vehicle with the right car insurance provider can be rather challenging considering how many companies provide coverage in Sacramento. The ranking information below could help you decide which car insurance providers to look at when shopping around.

Top 10 Sacramento Car Insurance Companies Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family