Auto Insurance Rate Quotes for a Jeep Patriot in Tampa

Discount Jeep Patriot insuranceIf your goal is the lowest price, then the best way to get the cheapest auto insurance rates is to start comparing rates regularly from insurance carriers that insure vehicles in Tampa.

  1. Get an understanding of how companies set rates and the factors you can control to keep rates down. Many risk factors that cause high rates such as accidents, traffic tickets, and a negative credit score can be rectified by making small lifestyle or driving habit changes. Later in this article we will cover the details to get cheaper rates and find overlooked discounts.
  2. Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes for a wide range of insurance providers.
  3. Compare the new quotes to your existing coverage to determine if you can save on Patriot insurance. If you can save money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

The key thing to remember is to try to use the same amount of coverage on every quote and to quote with as many different insurance providers as possible. This guarantees an accurate price comparison and the most accurate and complete price analysis.

It’s easy to assume that insurance companies don’t want you to look for cheaper rates. People who compare price quotes are likely to switch companies because there is a good probability of finding a cheaper policy. A recent survey revealed that drivers who made a habit of comparing rates saved an average of $865 annually compared to those who never compared prices.

If finding budget-friendly car insurance in Tampa is the reason you’re reading this, understanding how to get rate quotes and compare insurance can make the process less intimidating.

Finding affordable insurance coverage in Tampa is quite easy if you know the best way to do it. If you’re already insured, you will definitely be able to find better prices using the tips covered below. Shoppers just have to use the most effective way to shop for insurance from multiple carriers.

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

Car insurance is not cheap, but there’s a good chance there are discounts that may help make it more affordable. Certain discounts will be triggered automatically when you purchase, but some need to be asked for before you will receive the discount. If you don’t get every credit available, it’s possible you qualify for a lower rate.

Drivers should understand that most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like it’s possible to get free car insurance, nobody gets a free ride.

The illustration below shows the difference between Jeep Patriot insurance rates with and without discounts applied to the rates. The costs are based on a female driver, no claims, a clean driving record, Florida state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, homeowner, safe-driver, and multi-policy discounts applied.

Large car insurance companies and a selection of discounts include:

If you want the cheapest Jeep Patriot rate quotes, ask every company the best way to save money. All car insurance discounts may not be offered in your state.

Most companies allow you to get price estimates online. Getting online rates for Jeep Patriot insurance in Tampa is pretty painless as you just type in the coverages you want into the quote form. Once entered, their system automatically retrieves reports for credit and driving violations and generates pricing information. This makes comparing rates easy, and it’s also necessary to compare as many rates as possible in order to find the most affordable premium possible.

To quickly compare rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you type in deductibles and limits as shown on your current policy. This ensures you will receive a price comparison for similar coverage.

The companies shown below provide free quotes in Tampa, FL. If you want the best cheap car insurance in Tampa, we suggest you compare several of them in order to find the most affordable rates.

Rates and statistics

The coverage table displayed next outlines estimates of insurance coverage prices for Jeep Patriot models. Learning how rate quotes are figured can be valuable when making decisions when shopping around.

Jeep Patriot Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $312 $550 $564 $34 $168 $1,628 $136
Patriot Sport 4WD $312 $550 $564 $34 $168 $1,628 $136
Patriot Limited 2WD $358 $668 $564 $34 $168 $1,792 $149
Patriot Limited 4WD $358 $668 $564 $34 $168 $1,792 $149
Get Your Own Custom Quote Go

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price information does not factor in specific location which can influence coverage rates significantly.

Auto insurance deductibles

One common question asked by Tampa drivers is which comprehensive and collision deductibles to buy. The rates shown below show the premium difference between high and low physical damage coverage deductibles. The first data table uses a $250 deductible for comp and collision and the second rate chart uses a $1,000 deductible.

Jeep Patriot insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $280 $446 $418 $24 $124 $1,317 $110
Patriot Sport 4WD $280 $446 $418 $24 $124 $1,317 $110
Patriot Limited 2WD $322 $544 $418 $24 $124 $1,457 $121
Patriot Limited 4WD $322 $544 $418 $24 $124 $1,457 $121
Get Your Own Custom Quote Go

Jeep Patriot insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $174 $280 $418 $24 $124 $1,020 $85
Patriot Sport 4WD $174 $280 $418 $24 $124 $1,020 $85
Patriot Limited 2WD $200 $342 $418 $24 $124 $1,108 $92
Patriot Limited 4WD $200 $342 $418 $24 $124 $1,108 $92
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Table data does not factor in Tampa location which can increase or decrease auto insurance rates substantially.

Based on this data, using a $250 deductible would cost the average driver about $27 more each month or $324 for a full year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 28 months between claims, you would probably save some money if you decide on a higher deductible.

Smart Consumers Can Lower Insurance Rates

Many factors are part of the calculation when you get a price on insurance. Some factors are common sense such as your driving record, but other factors are more obscure such as whether you are married or your vehicle rating.

Insurance agents near you

Certain consumers still like to get advice from a local agent and that is OK! Professional agents are trained to spot inefficiencies and help in the event of a claim. A nice benefit of comparing rate quotes online is the fact that you can find cheap insurance quotes and still have an agent to talk to.

To help locate an agent, after submitting this form (opens in new window), your information is emailed to insurance agents in Tampa who will return price quotes for your business. It makes it easy because there is no need to search for any insurance agencies as quotes are delivered immediately to you. If for some reason you want to get a rate quote from one company in particular, just go to their quote page and give them your coverage information.

Selecting an company should include more criteria than just a cheap price quote. The questions below may impact your decision as well.

When finding a local Tampa insurance agent, it’s helpful to know the types of insurance agents to choose from. Agents in Tampa can either be independent or exclusive depending on the company they work for. Both sell and service insurance coverage, but it’s a good idea to understand the differences since it could factor into the kind of agent you use.

Exclusive Insurance Agencies

These type of agents can only provide one company’s prices and some examples include Farmers Insurance or State Farm. Exclusive agents cannot provide rate quotes from other companies so you might not find the best rates. Exclusive agents are very knowledgeable on the products they sell and that can be a competitive advantage.

Shown below are Tampa exclusive insurance agents that can give you price quotes.

9724 N Armenia Ave #200Tampa, FL 33612(813) 931-3000View Map

4305 W Bay to Bay BlvdTampa, FL 33629(813) 835-8892View Map

208 E Bearss AveTampa, FL 33613(813) 877-5506View Map

More insurance agents

Independent Agents

These type of agents do not have single company limitations so as a result can place your coverage with many different companies and potentially find a lower price. If premiums increase, the business is moved internally which requires no work on your part.

If you need lower rates, we recommend you include rate quotes from a couple of independent agencies to maximize your price options.

Below is a short list of independent insurance agents in Tampa who can help you get price quote information.

1336 W Fletcher AveTampa, FL 33612(813) 932-0000View Map

Charlies Agents Insurance Agency
2701 N Himes Ave #201Tampa, FL 33607(813) 831-8363View Map

10353 Cross Creek Blvd Suite CTampa, FL 33647(813) 994-1143View Map

More insurance agents

It may be expensive, but it’s not optional

Even though Tampa Patriot insurance rates can get expensive, maintaining insurance is mandatory in Florida but it also protects more than you think.

The benefits of having car insurance more than cancel out the cost, especially for larger claims. According to a recent study, the average American driver overpays as much as $800 each year so compare quotes from several companies every year to ensure rates are competitive.

More effort can pay off

As you quote Tampa auto insurance, you should never sacrifice coverage to reduce premiums. There are too many instances where an insured dropped full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at the lowest possible cost.

Some insurance providers do not provide online rate quotes and many times these regional carriers sell through independent agencies. The cheapest Jeep Patriot insurance in Tampa can be bought on the web and also from your neighborhood Tampa agents, so compare prices from both to get a complete price analysis.

More information is located at the links below