Jeep Patriot Insurance Rate Quotes in Kansas City

Discount Jeep Patriot insuranceInconceivable but true, most auto insurance policyholders have remained with the same auto insurance company for four years or more, and nearly the majority have never taken the time to shop around. Consumers in Missouri can save hundreds of dollars each year, but they don’t believe the amount of money they would save if they switched.

If you want to save the most money, the best way to get the cheapest Jeep Patriot insurance is to compare quotes annually from insurers that insure vehicles in Kansas City. This can be done by following these guidelines.

One key aspect when comparing rates is to try to compare the same amount of coverage on every price quote and and to get prices from every company you can. This enables an apples-to-apples comparison and a thorough selection of prices.

Companies offering Jeep Patriot insurance in Missouri

The providers in the list below have been selected to offer price quotes in Kansas City, MO. If your goal is to find cheap car insurance in MO, we recommend you compare several of them to get a more complete price comparison.

Jeep Patriot insurance analysis

The rate table displayed below showcases detailed analysis of rate quotes for Jeep Patriot models. Having insight into how insurance rates are figured can help guide drivers when making smart choices when buying a car insurance policy.

Jeep Patriot Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $106 $202 $346 $20 $104 $778 $65
Patriot Sport 4WD $106 $202 $346 $20 $104 $778 $65
Patriot Limited 2WD $122 $246 $346 $20 $104 $838 $70
Patriot Limited 4WD $122 $246 $346 $20 $104 $838 $70
Get Your Own Custom Quote Go

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Information does not factor in specific garaging location which can alter coverage rates noticeably.

The chart below demonstrates how deductible levels and can raise or lower Jeep Patriot insurance premiums for different ages of insureds. Data assumes a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Rate difference between full and liability-only coverage

The example below illustrates the difference between Jeep Patriot insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no claims or driving violations, $250 deductibles, marital status is single, and no discounts are applied.

Are you wasting money paying for full coverage?

There is no definitive rule of when to eliminate full coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s say your Jeep Patriot settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after paying the physical damage deductible. If premiums are more than $400 annually for physical damage coverage, then you might consider buying liability only.

There are some conditions where removing full coverage is not a good idea. If you haven’t paid off your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Verify you’re receiving every discount

Some insurers don’t always publicize every available discount in an easy-to-find place, so we break down both well-publicized and also the more inconspicuous credits available to lower your premiums when you buy Kansas City auto insurance online.Insurance discounts

Keep in mind that some credits don’t apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck.

The information below illustrates the difference between Jeep Patriot premium costs with and without discounts applied. The rates are based on a male driver, no claims, a clean driving record, Missouri 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, multi-car, homeowner, marriage, safe-driver, and multi-policy discounts applied.

A list of insurance companies and some of the discounts are included below.

Before you buy a policy, ask every insurance company which discounts they offer. Discounts may not apply to policyholders everywhere. If you would like to choose from a list of insurance companies who offer insurance discounts in Missouri, click this link.

Informed Decisions Result in Lower Insurance Prices

Many factors are used in the calculation when you get your auto insurance bill. Most are fairly basic like an MVR report, but some are more obscure like your continuous coverage or your vehicle rating.

The items below are some of the most common factors that factor into rates.

How do I know if I need professional advice?

When it comes to buying coverage online or from an agent for your vehicles, there really is not a single plan that fits everyone. Each situation is unique.Higher deductibles save money

For instance, these questions can help discover if you might need an agent’s assistance.

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

What if I want to buy from local Kansas City insurance agents?

A lot of people still like to sit down and talk to an agent and that is a smart decision One of the benefits of comparing auto insurance online is that you can obtain better rates but still work with a licensed agent.

Insurance agents in Kansas CityTo find an agent, once you fill out this simple form, your insurance coverage information is submitted to local insurance agents who will gladly provide quotes to get your business. There is no need to find an agent because prices are sent to you directly. You can find the lowest rates and work with a local agent. If you need to quote rates from a specific insurance company, you can always navigate to their website and submit a quote form there.

Choosing the best insurance company shouldn’t rely on just the quoted price. Ask your prospective agent these questions:

If you prefer to buy auto insurance from a reliable agent, it helps to know the two different types of agencies to choose from. Agencies in Kansas City can be described as either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agents

Agents in the exclusive channel are contracted to one company and some examples include American Family, State Farm, and Allstate. Exclusive agencies are unable to provide other company’s prices so they have no alternatives for high prices. Exclusive insurance agents are well trained on sales techniques which helps overcome the inability to quote other rates. Some consumers prefer to purchase coverage from exclusives mainly due to the prominent brand name and strong financial ratings.

Listed below is a short list of exclusive agencies in Kansas City who can help you get comparison quotes.

More Kansas City agents

Independent Insurance Agents

Agents that choose to be independent can quote rates with many companies so they can write business through many different auto insurance companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies and you don’t have to switch agencies. When comparing rate quotes, it’s a good idea to get quotes from at least one independent agent so that you can do a thorough price comparison. Most have the option of insuring with lesser-known insurance companies which may have better rates.

The following is a short list of independent insurance agencies in Kansas City willing to provide comparison quotes.

More Kansas City agents

What is YOUR best insurance company?

The cheapest Jeep Patriot insurance in Kansas City can be purchased online and with local Kansas City insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies may not offer the ability to get quotes online and usually these smaller companies prefer to sell through independent agents.

Drivers leave their current company for a variety of reasons including high prices, denial of a claim, poor customer service or not issuing a premium refund. It doesn’t matter why you want to switch switching companies can be pretty painless.

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There are too many instances where an insured cut physical damage coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to buy enough coverage at a price you can afford and still be able to protect your assets.

Additional information can be found on the following sites: