Auto Insurance Quotes for a Jeep Patriot in Cincinnati

We don’t have to tell you that auto insurance companies don’t want you to compare rates. Drivers who compare other prices are highly likely to switch auto insurance companies because the odds are good of finding a lower-priced policy. A study showed that consumers who compared prices once a year saved as much as $860 a year compared to other drivers who never compared rates.

If finding budget-friendly Jeep Patriot insurance in Cincinnati is the reason for your visit, then having some knowledge of how to get rate quotes and compare insurance premiums can save time, money, and frustration.

If saving the most money is your goal, then the best way to find the cheapest price for Jeep Patriot insurance in Cincinnati is to annually compare prices from providers who sell auto insurance in Ohio.

• First, try to comprehend car insurance and the measures you can take to keep rates in check. Many risk factors that cause high rates like at-fault accidents, speeding tickets, and an unacceptable credit rating can be controlled by making minor driving habit or lifestyle changes.
• Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like Progressive or State Farm, while independent agencies can quote prices for many different companies. Select a company
• Third, compare the new quotes to the price on your current policy to see if a cheaper price is available. If you find a better price, make sure coverage is continuous and does not lapse.
• Fourth, notify your current company of your intent to cancel the current policy and submit a signed application and payment for the new coverage. Don’t forget to put the certificate verifying coverage in your glove compartment.

One piece of advice is to make sure you enter identical limits and deductibles on every quote request and to quote with as many carriers as you can. Doing this guarantees an apples-to-apples comparison and a thorough price selection.

Finding quotes for the best coverage in Cincinnati is not as difficult as people think. In a nutshell, every person who wants cheaper auto insurance will most likely be able to cut their insurance bill. Nevertheless, Ohio consumers need to have an understanding of the way insurance companies compete online.

The best way we recommend to compare insurance rates from multiple companies utilizes the fact auto insurance companies participate in a system to compare rate quotes. To get started, all you need to do is give them some information such as if you have a valid license, the type of vehicles you drive, how much you drive, and if it has an anti-theft system. That rating data is sent automatically to many highly-rated insurers and they return rate quotes immediately.

To check rates for your Jeep Patriot now, click here and enter the information requested.

The companies shown below offer free rate quotes in Ohio. If you want cheap car insurance in Cincinnati, it’s a good idea that you visit two to three different companies to find the most affordable auto insurance rates.

Why you need to buy car insurance

Despite the high cost, car insurance may be required and benefits you in several ways.

First, almost all states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability insurance coverage in order to get the vehicle licensed. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your Jeep Patriot has a lienholder, more than likely the lender will force you to have physical damage coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Jeep at a much higher rate and force you to pay the higher premium.

Third, insurance protects not only your vehicle but also your assets. It will also reimburse you for medical expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you are sued as the result of your driving. If you have damage to your Jeep as the result of the weather or an accident, your car insurance policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your Patriot definitely exceed the cost, especially if you ever need it. Despite what companies tell you, the average driver is currently overpaying as much as $750 every year so smart consumers compare quotes at least once a year to ensure rates are competitive.

Insurance data for a Jeep Patriot

The data table displayed next covers different prices for Jeep Patriot models. Having a better understanding of how insurance rates are determined can aid in making smart policy decisions.

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Estimates do not factor in specific location information which can alter rates substantially.

Should you raise deductibles?

The hardest decision when buying coverage is what deductibles to buy. The premium rates below can help illustrate the rate fluctuation when you buy lower versus higher deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second set of prices uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Estimates do not factor in your specific Cincinnati location which can alter price quotes significantly.

Based on the above data, using a $100 deductible would cost the average driver about $15 more each month or $180 annually than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you have at least 27 months between claims, you would probably be better off by selecting a higher deductible.

Careless driving habits raise Cincinnati insurance rates

The information below demonstrates how traffic citations and at-fault fender-benders drive up Jeep Patriot premium costs for each different age group. The rate quotes are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

Jeep Patriot liability rates compared to full coverage

The chart below shows the comparison of Jeep Patriot auto insurance rates with liability coverage only compared to full coverage. The rates are based on a clean driving record, no claims, $100 deductibles, single status, and no discounts are taken into consideration.

When to stop buying physical damage coverage

There is no exact rule to exclude comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s pretend your Jeep Patriot replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $8,000 after the deductible is paid. If premium cost is more than $800 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where removing full coverage is not recommended. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage.

Save with these discounts

Companies that sell car insurance don’t list every possible discount very clearly, so we researched a few of the more well known in addition to some of the lesser obvious discounts you could be receiving when you buy Cincinnati car insurance online. If you check and find you aren’t receiving every discount available, you are paying more than you should be.

• Home Ownership Discount – Being a homeowner may earn you a small savings because maintaining a house demonstrates responsibility.
• Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.
• Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are less likely to be stolen and therefore earn up to a 10% discount.
• Driver’s Education for Students – Have your child complete a driver education course if it’s offered in school.
• Safety Course Discount – Taking a course in driver safety could possibly earn you a 5% discount if you qualify.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
• E-sign – A handful of companies will give a small break shop Cincinnati car insurance online.
• Telematics Data – Drivers that enable companies to spy on vehicle usage remotely like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if their driving habits are good.
• Discounts for Cautious Drivers – Accident-free drivers can pay as much as 50% less than drivers with accidents.
• Claim Free – Cincinnati drivers who stay claim-free pay much less when compared to policyholders that have many claims.

Don’t be surprised that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, it’s just not the way it works.

The information below illustrates the comparison of Jeep Patriot insurance costs with and without discounts applied to the rates. The premiums are based on a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, marriage, multi-policy, and multi-car discounts applied.

Larger auto insurance companies and a partial list of their discounts can be read below.

• State Farm discounts include accident-free, defensive driving training, multiple policy, Steer Clear safe driver discount, and passive restraint.
• American Family has discounts for early bird, defensive driver, Steer into Savings, good driver, and mySafetyValet.
• GEICO has savings for good student, anti-theft, membership and employees, military active duty, emergency military deployment, and air bags.
• 21st Century may have discounts that include air bags, anti-lock brakes, 55 and older, good student, and theft prevention.
• Progressive offers premium reductions for continuous coverage, good student, multi-policy, online signing, online quote discount, and multi-vehicle.

If you need cheaper Cincinnati car insurance quotes, ask each company or agent how many discounts you can get. Some credits may not apply everywhere. To see a list of auto insurance companies that have a full spectrum of discounts in Cincinnati, follow this link.

Insurance is available from your local insurance agencies

A lot of people prefer to go talk to an agent and doing so can bring peace of mind One of the best bonuses of comparing insurance online is the fact that drivers can get cheap insurance quotes and also buy local. And buying from local agencies is important particularly in Cincinnati.

By using this quick form, your coverage information is transmitted to local insurance agents in Cincinnati that can provide free Cincinnati car insurance quotes for your insurance coverage. You don’t have to find an agent since rate quotes are delivered directly to you. You’ll get the best rates without a big time investment. If you need to get a comparison quote from a specific company, you just need to visit that company’s website to submit a rate quote request.

Types of car insurance agents in Cincinnati

If you want a local Cincinnati insurance agent, there are two different agency structures that you can select. Agents are considered either exclusive agents or independent agents.

Independent Insurance Agencies

Independent insurance agents are not locked into one company so as a result can place your coverage through many companies and potentially find a lower price. If your premiums go up, your agent can just switch to a different company and that require little work on your part. When comparing insurance prices, we recommend you contact independent agents to get the most accurate price comparison. Most independent agents also contract with small mutual carriers that can offer cheaper rates than bigger companies.

Below is a small list of independent agents in Cincinnati that can possibly get you free insurance rate quotes.

• Zinser Insurance Agency LLC
  5310 Glenway Ave # 1 – Cincinnati, OH 45238 – (513) 451-8898 – View Map
• Hettesheimer Insurance Agency Inc.
  3254 Montana Ave #1000 – Cincinnati, OH 45211 – (513) 661-7581 – View Map
• Christenson Lewis Insurance Agency
  4484 Mt Carmel Tobasco Rd – Cincinnati, OH 45244 – (513) 528-4222 – View Map

View more agents

Exclusive Agencies

These type of agents have only one company to place business with and some examples include State Farm, AAA, and Liberty Mutual. They generally cannot compare rates from other companies so they are skilled at selling on more than just price. Exclusive insurance agents receive a lot of sales training in insurance sales and that can be a competitive advantage. Many people buy from exclusive agents mostly because of the brand legacy rather than low price.

Listed below are exclusive agents in Cincinnati that are able to give price quotes.

• Nancy Hughett – State Farm Insurance Agent
  2306 W Galbraith Rd – Cincinnati, OH 45239 – (513) 522-9343 – View Map
• Deatria Walker – State Farm Insurance Agent
  3252 N Bend Rd – Cincinnati, OH 45239 – (513) 661-0400 – View Map
• Dianne Michael – Allstate Insurance Agent
  5062 Delhi Ave – Cincinnati, OH 45238 – (513) 451-8700 – View Map

View more agents

Choosing an auto insurance agent should include more criteria than just the quoted price. The answers to these questions are important, too.

• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Are they primarily personal or commercial lines agents in Cincinnati?
• Can they provide you with a list of referrals?
• Will your rates increase after a single accident?
• Do they feel the quoted coverages are adequate?

Don’t give up on cheap rates

Insureds change insurance companies for any number of reasons including unfair underwriting practices, lack of trust in their agent, poor customer service or delays in paying claims. It doesn’t matter why you want to switch finding a new company is easier than you think.

In this article, we presented a lot of ways to save on Jeep Patriot insurance in Cincinnati. The key concept to understand is the more companies you get premium rates for, the more likely it is that you will get a better rate. You may even discover the lowest auto insurance rates come from a smaller regional carrier.

Lower-priced car insurance in Cincinnati can be bought online and from local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some car insurance companies do not provide online quoting and usually these small, regional companies work with independent agencies.

To read more, link through to the articles below:

• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• What Insurance is Cheapest for a Jeep Wrangler in Cincinnati? (FAQ)
• Older Driver Statistics (Insurance Information Institute)
• Insuring a Leased Car (Insurance Information Institute)
• Credit and Insurance Scores (Insurance Information Institute)