Really, the only way to get cheaper Jeep Patriot insurance is to regularly compare price quotes from insurers that insure vehicles in Minneapolis. This can be done by following these steps.
- Step 1: Spend a few minutes and learn about car insurance and the factors you can control to keep rates low. Many factors that cause high rates like speeding tickets, accidents and a less-than-favorable credit history can be eliminated by paying attention to minor details.
- Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive or Allstate, while independent agents can provide rate quotes for a wide range of insurance providers.
- Step 3: Compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you find better rates and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
An important bit of advice to remember is to use similar coverage information on each quote and to quote with as many companies as possible. Doing this helps ensure a fair rate comparison and a thorough selection of prices.
It goes without saying that auto insurance companies don’t want their customers to go rate shopping. Insureds who get price quotes annually will presumably switch auto insurance companies because of the high probability of finding a lower-cost company. A study discovered that consumers who routinely shopped for cheaper coverage saved as much as $3,450 over four years compared to those who never shopped around for lower prices.
If finding the best price on Jeep Patriot insurance in Minneapolis is your goal, then learning a little about how to get rate quotes and compare auto insurance can save money and time.
Finding affordable coverage in Minneapolis is really not that difficult. If you have a current auto insurance policy, you will surely be able to shop for the lowest rates using the techniques covered below. But Minnesota consumers benefit from understanding the way insurance companies determine prices and use it to find better rates.
It’s important to know that comparing a wide range of rates will enable you to find a lower rate.
The auto insurance companies shown below are ready to provide comparison quotes in Minneapolis, MN. To buy the best cheap auto insurance in Minnesota, we recommend you click on several of them in order to get a fair rate comparison.
Three reasons to insure your Patriot
Despite the potentially high cost of Jeep Patriot insurance, maintaining insurance is not optional due to several reasons.
- Just about all states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability insurance coverage if you don’t want to risk a ticket. In Minnesota these limits are 30/60/10 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Patriot has a loan, more than likely the lender will stipulate that you have full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may insure your Jeep at a much higher premium rate and force you to reimburse them a much higher amount than you were paying before.
- Insurance safeguards not only your car but also your financial assets. It will also provide coverage for hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay for a defense attorney in the event you are sued. If your vehicle suffers damage from an accident or hail, your insurance policy will pay to repair the damage.
The benefits of carrying adequate insurance definitely exceed the price paid, particularly for liability claims. But the average driver in Minnesota is currently overpaying as much as $850 per year so it’s recommended you shop around at every renewal to ensure rates are competitive.
Insurance statistics and figures
The price information displayed below outlines estimates of insurance coverage prices for Jeep Patriot models. Being more informed about how car insurance prices are figured is important for drivers to make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $204 | $418 | $358 | $22 | $108 | $1,110 | $93 |
| Patriot Sport 4WD | $204 | $418 | $358 | $22 | $108 | $1,110 | $93 |
| Patriot Limited 2WD | $234 | $508 | $358 | $22 | $108 | $1,230 | $103 |
| Patriot Limited 4WD | $234 | $508 | $358 | $22 | $108 | $1,230 | $103 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Estimates do not factor in specific Minneapolis garaging location which can lower or raise coverage prices noticeably.
Choosing deductibles
When comparing insurance rates, the most common question is how low should you set your deductibles. The data tables below can help show how much more rates are when you choose different policy deductibles. The first table uses a $250 physical damage deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $214 | $340 | $318 | $18 | $94 | $1,009 | $84 |
| Patriot Sport 4WD | $214 | $340 | $318 | $18 | $94 | $1,009 | $84 |
| Patriot Limited 2WD | $246 | $414 | $318 | $18 | $94 | $1,115 | $93 |
| Patriot Limited 4WD | $246 | $414 | $318 | $18 | $94 | $1,115 | $93 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $174 | $274 | $318 | $18 | $94 | $878 | $73 |
| Patriot Sport 4WD | $174 | $274 | $318 | $18 | $94 | $878 | $73 |
| Patriot Limited 2WD | $200 | $334 | $318 | $18 | $94 | $964 | $80 |
| Patriot Limited 4WD | $200 | $334 | $318 | $18 | $94 | $964 | $80 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can change premiums greatly.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $12 more each month or $144 every year than quoting the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go at least 21 months between claim filings, you would probably come out ahead if you opt for a higher deductible.
Drive safe and save
The illustration below shows how violations and at-fault accidents can raise Jeep Patriot insurance costs for each age group. The price estimates are based on a single female driver, full coverage, $100 deductibles, and no discounts are factored in.
Impact of age and gender on insurance rates
The illustration below compares Jeep Patriot car insurance rates for male and female drivers. The prices are based on no claims, a clean driving record, comp and collision included, $500 deductibles, marital status is single, and no policy discounts are applied.
Slash rates with these eight discounts on Jeep Patriot insurance in Minneapolis
Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that can drop the cost substantially. Many of these discounts will be applied automatically at the time you complete a quote, but some must be specially asked for in order for you to get them. If you do not double check each discount possible, you are not getting the best rate possible.
- Driver Safety – Successfully completing a safe driver class could earn you a small percentage discount and easily recoup the cost of the course.
- Professional Organizations – Belonging to specific professional or occupational memberships or organizations could trigger savings on your bill.
- Payment Method – By making one initial payment as opposed to paying monthly you can avoid monthly service charges.
- Senior Citizens – Seniors can possibly qualify for a small discount on rates.
- Discount for Multiple Policies – If you insure your home and vehicles with the same company you will save as much as 10 to 15 percent.
- Student Driver Training – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
- E-sign – Some car insurance companies will give a small break for signing up on their website.
- Sign Early and Save – A few larger companies offer discounts for switching to them early. You could save around 10% when you buy Minneapolis auto insurance online.
It’s important to note that some credits don’t apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works.
The diagram below shows the comparison of Jeep Patriot premium costs with and without discounts applied to the policy premium. The price estimates are based on a male driver, no driving violations, no at-fault accidents, Minnesota state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, multi-policy, marriage, and homeowner discounts applied.
For a list of insurers that offer the discounts shown above in Minnesota, click here.
Get rate quotes but buy from a local Minneapolis insurance agent
A small number of people would rather get professional advice from a licensed agent and that is a smart decision A good thing about getting free rate quotes online is that you can obtain lower rates and still have a local agent.
After filling out this quick form, your information is transmitted to local insurance agents in Minneapolis who will gladly provide quotes for your insurance coverage. You won’t need to do any legwork since price quotes are sent straight to your inbox. You’ll get the best rates and work with a local agent. If for some reason you want to compare rates from a specific company, you would need to find their quoting web page and submit a quote form there.
Finding the right insurance company requires you to look at more than just a cheap price. Here are some questions you should ask.
- Do you need full coverage on every vehicle?
- How many years of experience in personal auto insurance do they have?
- Will a damage claim use OEM or aftermarket replacement parts?
- Is assistance available after office hours?
- Is the coverage adequate for your vehicle?
- How many companies do they write for?
If you need to find a local Minneapolis insurance agent, it’s important to understand the different types of agencies and how they can write your policy. Agents are classified as either independent agents or exclusive agents.
Exclusive Insurance Agencies
Agents that choose to be exclusive can usually just insure with one company like State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to shop your coverage around so you might not find the best rates. Exclusive agencies are highly trained on their company’s products which can be an advantage. Some insured continue to buy insurance from these agents partially due to high brand loyalty rather than having low rates.
The following is a list of exclusive insurance agents in Minneapolis who may provide you with rate quotes.
- American Family Insurance – Dawn Bartell
4649 Bloomington Ave – Minneapolis, MN 55407 – (612) 333-5554 – View Map - Kim Nybo – State Farm Insurance Agent
2724 University Ave SE – Minneapolis, MN 55414 – (612) 767-7775 – View Map - State Farm: Ashkan Morvari
25 W Diamond Lake Rd – Minneapolis, MN 55419 – (612) 455-4196 – View Map
Independent Insurance Agents
Agents that elect to be independent can sell policies from many different companies and that enables them to quote your coverage amongst many companies and get the cheapest rates. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to find a new agent.
When comparing insurance rates, we recommend you include rate quotes from several independent insurance agents so that you have a good selection of quotes to compare. A lot of them also have access to companies you’ve never heard of which can save you money.
Listed below are Minneapolis independent insurance agencies willing to provide price quotes.
- Minneapolis Insurance Specialists Team
333 N Washington Ave – Minneapolis, MN 55401 – (612) 460-7796 – View Map - Patrick J. Thomas Agency
121 S 8th St #980 – Minneapolis, MN 55402 – (612) 339-5522 – View Map - True Insurance Agency and Financial Services – Minneapolis Home and Auto Insurance
4708 Excelsior Blvd – St Louis Park, MN 55416 – (952) 388-2006 – View Map
Car insurance coverage breakdown
Learning about specific coverages of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.
Comprehensive coverage (or Other than Collision)
This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like hitting a deer, hail damage, falling objects, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for expenses such as prosthetic devices, surgery and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
Liability coverages
This can cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 30/60/10 that translate to $30,000 in coverage for each person’s injuries, a per accident bodily injury limit of $60,000, and a limit of $10,000 paid for damaged property.
Liability coverage pays for things such as court costs, repair bills for other people’s vehicles, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford. Minnesota requires drivers to carry at least 30/60/10 but drivers should carry more liability than the minimum.
The illustration below demonstrates why low liability limits may not be adequate coverage.
Uninsured Motorist or Underinsured Motorist insurance
This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Jeep Patriot.
Since a lot of drivers only purchase the least amount of liability that is required (which is 30/60/10), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.
Auto collision coverage
This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things such as hitting a mailbox, crashing into a ditch, sideswiping another vehicle, crashing into a building and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Patriot to bring the cost down.
Don’t give up on cheaper rates
Consumers who switch companies do it for a variety of reasons including being labeled a high risk driver, not issuing a premium refund, high rates after DUI convictions or denial of a claim. It doesn’t matter why you want to switch choosing a new company can be less work than you think.
When searching for inexpensive Minneapolis auto insurance quotes, you should never sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase plenty of coverage for the lowest price, not the least amount of coverage.
Low-cost Jeep Patriot insurance in Minneapolis is definitely available both online in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis. Some insurance companies may not provide the ability to get quotes online and many times these regional insurance providers only sell coverage through local independent agents.
Other resources
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Who Has Affordable Car Insurance Rates for Lyft Drivers in Minneapolis? (FAQ)
- What Insurance is Cheapest for Single Moms in Minneapolis? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Subaru Outback in Minneapolis? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Honda CR-V in Minneapolis? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Safety Tips for Teen Drivers (Insurance Information Institute)