Want to save money and find lower-priced auto insurance rates in Charlotte, NC? Charlotte buyers have lots of choices when searching for affordable Jeep Patriot insurance. They can either spend hours driving around to compare prices or save time using the internet to find the lowest rates. There are more efficient ways to buy auto insurance so we’re going to tell you the absolute fastest way to get price quotes for your Jeep and locate the lowest price from both online companies and Charlotte agents.
It’s a good habit to do rate comparisons before your policy renews because auto insurance prices change regularly. Despite the fact that you may have had the best price on Jeep Patriot insurance in Charlotte on your last policy the chances are good that you can find a lower rate quote today. Block out anything you think you know about auto insurance because we’re going to demonstrate the easiest way to get good coverage on Jeep Patriot insurance in Charlotte at a lower rate.
Reducing your Jeep Patriot insurance rates is pretty simple and can save money. You just need to take time to get quotes from online providers.
The providers in the list below offer price quotes in Charlotte, NC. To buy cheap auto insurance in North Carolina, we suggest you visit several of them to get the cheapest price.
Insurance in North Carolina serves several purposes
Despite the fact that insurance is not cheap in Charlotte, buying insurance is required in North Carolina but it also protects you in many ways.
First, most states have minimum liability requirements which means state laws require specific limits of liability coverage if you don’t want to risk a ticket. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your car, almost all lenders will make it a condition of the loan that you buy insurance to guarantee their interest in the vehicle. If you let the policy lapse, the lender may insure your Jeep for a much higher rate and require you to reimburse them for the expensive policy.
Third, insurance preserves both your car and your assets. Insurance will pay for medical bills for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of insuring your car are without a doubt worth the cost, particularly if you ever have a claim. The average driver in North Carolina is currently overpaying as much as $820 a year so compare rate quotes once a year at a minimum to help ensure money is not being wasted.
Statistics and details
The rate table displayed next highlights different prices for Jeep Patriot models. Being aware of how auto insurance policy rates are formulated can benefit drivers when making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $130 | $222 | $234 | $14 | $70 | $670 | $56 |
| Patriot Sport 4WD | $130 | $222 | $234 | $14 | $70 | $670 | $56 |
| Patriot Limited 2WD | $148 | $270 | $234 | $14 | $70 | $736 | $61 |
| Patriot Limited 4WD | $148 | $270 | $234 | $14 | $70 | $736 | $61 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in specific zip code location which can impact auto insurance rates noticeably.
Deductible analysis
One common question asked by Charlotte drivers is how high should your deductibles be. The comparisons below illustrate the rate fluctuation between low and high physical damage deductibles. The first table uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $168 | $266 | $250 | $14 | $74 | $797 | $66 |
| Patriot Sport 4WD | $168 | $266 | $250 | $14 | $74 | $797 | $66 |
| Patriot Limited 2WD | $192 | $324 | $250 | $14 | $74 | $879 | $73 |
| Patriot Limited 4WD | $192 | $324 | $250 | $14 | $74 | $879 | $73 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $104 | $168 | $250 | $14 | $74 | $610 | $51 |
| Patriot Sport 4WD | $104 | $168 | $250 | $14 | $74 | $610 | $51 |
| Patriot Limited 2WD | $118 | $204 | $250 | $14 | $74 | $660 | $55 |
| Patriot Limited 4WD | $118 | $204 | $250 | $14 | $74 | $660 | $55 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium costs do not factor in vehicle location which can change price quotes significantly.
Based on this data, using a $250 deductible will cost you about $17 more each month or $204 each year than requesting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 44 months between claim filings, you would probably save some money if you choose a higher deductible.
Safe drivers pay cheaper rates
The illustration below highlights how traffic violations and at-fault claims influence Jeep Patriot auto insurance rates for different age groups. The rates are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are factored in.
Auto insurance discounts are available to get cheap rates
Some insurers don’t always advertise all discounts very well, so below is a list some of the best known and the harder-to-find credits available to lower your premiums when you buy Charlotte car insurance online.
- Distant Student – Older children who are enrolled in a college that is more than 100 miles from Charlotte and do not have a car can be insured at a reduced rate.
- Life Insurance – If the company offers life insurance, you could get a small discount if you purchase some life insurance too.
- More Vehicles More Savings – Buying a policy with multiple vehicles with the same auto insurance company could earn a price break for each car.
- Defensive Driving Course – Taking time to complete a course that instructs on driving safety could earn you a small percentage discount and easily pay for the cost of the class.
- Active Service Discounts – Being on active deployment in the military may lower your auto insurance rates slightly.
One last thing about discounts, some credits don’t apply to the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, that’s just not realistic.
The example below illustrates the comparison of Jeep Patriot insurance prices with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no accidents, no driving violations, North Carolina state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, claim-free, multi-car, and multi-policy discounts applied.
A list of auto insurance companies and some of the discounts are detailed below.
- Farmers Insurance has savings for electronic funds transfer, switch companies, business and professional, good student, multi-car, and pay in full.
- State Farm policyholders can earn discounts including good driver, student away at school, anti-theft, good student, multiple autos, defensive driving training, and Drive Safe & Save.
- Liberty Mutual includes discounts for good student, multi-car, safety features, preferred payment discount, and teen driver discount.
- MetLife may have discounts that include claim-free, good student, accident-free, defensive driver, multi-policy, good driver
- Progressive may include discounts for good student, multi-vehicle, multi-policy, homeowner, online signing, continuous coverage, and online quote discount.
Double check with all the companies what discounts are available to you. All car insurance discounts might not be offered in your state.
When to get professional advice
Keep in mind that when it comes to choosing coverage online or from an agent for your personal vehicles, there really isn’t a “best” method to buy coverage. Each situation is unique so your insurance needs to address that.
Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.
- When should I remove comp and collision on my Jeep Patriot?
- Do I need added coverage for expensive stereo equipment?
- Can I insure my car for more than it’s worth?
- What is the ISO rating for a Jeep Patriot?
- When should I not file a claim?
- Can I rate high risk drivers on liability-only vehicles?
- Do I need motorclub coverage?
- Do I need roadside assistance coverage?
- How do I buy GAP insurance?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.