It goes without saying that car insurance companies don’t want you to look for a cheaper policy. People who shop around once a year will, in all likelihood, switch insurance companies because they stand a good chance of finding coverage at a more affordable price. A recent survey discovered that people who compared rates annually saved $3,500 over four years compared to those who don’t make a habit of comparing rates.
If finding low prices for auto insurance is the reason you’re reading this, then learning a little about the best way to quote and compare cheaper coverage can help you be more efficient.
Really, the only way to get budget car insurance rates is to regularly compare price quotes from insurance carriers in Dallas.
First, it will benefit you to learn about how car insurance works and the factors you can control to prevent expensive coverage. Many risk factors that result in higher prices such as accidents, traffic tickets, and a less-than-favorable credit history can be remedied by making small lifestyle or driving habit changes.
Second, compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like Progressive or Allstate, while independent agencies can provide rate quotes from multiple sources.
Third, compare the price quotes to your existing policy and see if you can save money. If you can save money, ensure there is no coverage lapse between policies.
Fourth, give notification to your current company of your intention to cancel the current policy. Submit a signed application and payment for your new policy. Make sure you safely store the proof of insurance certificate with the vehicle registration.
The key thing to know about shopping around is that you’ll want to make sure you compare the same level of coverage on each quote and and to look at every insurance company. Doing this enables a fair price comparison and plenty of rates choose from.
Eight Tips to Get Cheaper Dallas Insurance Costs
Smart consumers have a good feel for the factors that help determine the level of your policy premiums. When you know what positively or negatively determines base rates, this helps enable you to make changes that could help you find lower premium levels.
File a claims and pay more – Insurance companies in Texas award the best rates to drivers who do not file claims often. If you are the type of insured that files lots of claims you can expect increased rates or even have your policy non-renewed. Your car insurance is intended for more catastrophic claims.
Where you reside – Residing in smaller towns and rural areas of the country has it’s advantages when talking about car insurance. Fewer drivers and short commutes means reduced accidents as well as less vandalism and auto theft. Drivers who live in large Texas cities tend to have more aggressive driving styles and longer commute times. More time behind the wheel translates into higher accident risk.
Safer cars cost less to insure – Vehicles with good safety scores tend to be cheaper to insure. Vehicles built for safety result in less severe injuries and lower rates of occupant injuries translates into savings for insurance companies and cheaper rates on your policy.
Men pay more for car insurance – Statistics show that females take fewer risks when driving. It does not mean males are worse at driving than females. Males and females tend to get into fender benders at about the same rate, but males get into accidents with more damage. Not only are claims higher, but men get cited for more serious violations like reckless driving and DUI.
The illustration below compares Jeep Patriot yearly insurance costs for male and female drivers. The premium estimates are based on no claims or driving citations, full coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.
The type of car makes a difference – The performance of the vehicle you own makes a big difference in how high your rates are. Small economy passenger cars usually have the lowest rates, but your final cost has many other factors.
The chart below is based on a married male driver age 50, full coverage with $100 deductibles, and no discounts or violations. The chart compares Jeep Patriot policy rates compared to other models that have different performances.
Teenage drivers are expensive to insure – Young drivers in Texas have been known to be inattentive and easily distracted behind the wheel so car insurance rates are higher. If you’ve ever had to add a teen driver onto your car insurance can be very expensive. Mature drivers have been proven to be more responsible, are lower risk to insure, and usually have better credit.
The data below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
Never go without car insurance – Letting your insurance expire will be a guaranteed way to increase your rates. And not only will your rates increase, getting caught without coverage might get you a fine, jail time, or a revoked license. You may need to prove you have insurance by filing a SR-22 with the Texas department of motor vehicles.
Lower rates with theft deterrents – Driving a car with a theft deterrent system can help lower your rates. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent your car from being stolen.
Jeep Patriot claim data – Auto insurance companies analyze historical claim data in order to profitably underwrite each model. Vehicles that are shown to have higher prevalence or dollar amount of losses will have higher premium rates. The table below shows the insurance loss data used by companies for Jeep Patriot vehicles.
For each policy coverage type, the statistical loss for all vehicles, as a total average, equals 100. Percentage values below 100 indicate better than average losses, while numbers above 100 indicate a higher chance of having a claim or a tendency for claims to be larger.
| Specific Jeep Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Jeep Patriot 4dr 2WD | 80 | 139 | 65 | 123 | 121 | 140 |
| Jeep Patriot 4dr 4WD | 73 | 121 | 67 | 98 | 100 | 111 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
The fastest way that we advise to compare car insurance rates for Jeep Patriot insurance in Dallas is to know most of the larger companies participate in a system to give you rate quotes. The only thing you need to do is give the companies some data such as what you do for a living, if a SR-22 is needed, daily mileage, and if the vehicle is leased. Your information is then submitted to many different companies and they return quotes almost instantly.
To compare multiple company affordable Jeep Patriot insurance rates now, click here and enter your coverage details.
The following companies can provide price comparisons in Texas. If multiple companies are shown, we recommend you visit several of them to find the most competitive car insurance rates.
Analysis of Jeep Patriot rates
The premium table shown next showcases detailed analysis of insurance costs for Jeep Patriot models. Being more informed about how auto insurance policy rates are calculated is important to be able to make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $246 | $476 | $400 | $24 | $120 | $1,266 | $106 |
| Patriot Sport 4WD | $246 | $476 | $400 | $24 | $120 | $1,266 | $106 |
| Patriot Limited 2WD | $282 | $580 | $400 | $24 | $120 | $1,406 | $117 |
| Patriot Limited 4WD | $282 | $580 | $400 | $24 | $120 | $1,406 | $117 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rate information does not factor in vehicle garaging location which can decrease or increase prices noticeably.
Physical damage deductibles
One frequently asked question is how high should the deductibles for physical damage be. The figures shown below may help to conceptualize the price difference when you buy lower versus higher insurance deductibles. The first rate estimation uses a $100 deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $286 | $486 | $382 | $22 | $114 | $1,315 | $110 |
| Patriot Sport 4WD | $286 | $486 | $382 | $22 | $114 | $1,315 | $110 |
| Patriot Limited 2WD | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| Patriot Limited 4WD | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $208 | $328 | $382 | $22 | $114 | $1,054 | $88 |
| Patriot Sport 4WD | $208 | $328 | $382 | $22 | $114 | $1,054 | $88 |
| Patriot Limited 2WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Patriot Limited 4WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium costs do not factor in your specific Dallas location which can change auto insurance rates significantly.
Based on this data, using a $100 deductible costs an average of $23 more each month or $276 a year than requesting the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you have at least 17 months between claim filings, you would more than likely save some money going with the higher deductible.
The illustration below illustrates how your deductible choice and can affect Jeep Patriot annual premium costs for different age groups. The premium estimates are based on a married male driver, full coverage, and no discounts are factored in.
Does full coverage make sense?
The diagram below illustrates the comparison of Jeep Patriot auto insurance rates with full coverage compared to only the Texas minimum liability coverage. The premium estimates are based on no accidents, no driving violations, $100 deductibles, marital status is single, and no policy discounts are applied.
When to stop buying comprehensive and collision coverage
There is no exact rule to stop paying for comp and collision coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Jeep Patriot book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after you pay the deductible. If premium cost is more than $800 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are a few cases where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage.
Car insurance is not optional but you don’t have to overpay
Despite the potentially high cost of Jeep Patriot insurance, paying for car insurance may be required and benefits you in several ways.
- The majority of states have mandatory insurance requirements which means state laws require a minimum amount of liability in order to drive the car. In Texas 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.
- If your Jeep Patriot has a lienholder, more than likely the lender will stipulate that you buy insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank may insure your Jeep for a lot more money and require you to reimburse them a much higher amount than you were paying before.
- Car insurance preserves both your Jeep Patriot and your personal assets. It will also reimburse you for most medical and hospital costs 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 you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to restore your vehicle to like-new condition.
The benefits of insuring your Patriot are definitely more than the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is overpaying more than $800 each year so it’s recommended you shop around at every policy renewal to ensure rates are competitive.
Affordable rates by taking advantage of discounts
Car insurance companies do not advertise the complete list of policy discounts very clearly, so we took the time to find some of the best known and also the lesser-known credits that you can use to lower your rates.
- Organization Discounts – Affiliation with a professional or civic organization can get you a small discount when shopping for auto insurance.
- Theft Deterrent System – Vehicles equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Dallas auto insurance quote.
- Early Payment Discounts – By paying your entire bill at once rather than paying monthly you can avoid monthly service charges.
- Paper-free Discount – Certain insurance companies will provide an incentive for buying a policy and signing up on your computer.
- Distant College Student Discount – Children who are enrolled in a college that is more than 100 miles from Dallas and do not have access to a covered vehicle may qualify for this discount.
As a sidenote, most discounts do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.
The diagram below illustrates the difference between Jeep Patriot car insurance rates with and without discounts applied. The data is based on a female driver, no accidents or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, marriage, multi-policy, and claim-free discounts applied.
Some of the insurance companies that possibly offer some of the discounts shown above include:
If you want the cheapest Jeep Patriot rate quotes, ask each company which credits you are entitled to. Savings may not be available in Dallas. To choose providers who offer online Jeep Patriot insurance quotes in Texas, click here.
Get rate quotes but buy from a local Dallas insurance agent
A lot of people just prefer to have an agent’s advice and that is recommended in a lot of cases A nice benefit of comparing insurance prices online is the fact that drivers can get cheaper prices and still buy from a local agent.
After filling out this quick form, your coverage information is immediately sent to insurance agents in Dallas who will give competitive quotes for your business. There is no need to search for an agent as quotes are delivered to your email. You can find better rates AND a local agent. If you want to compare prices from a particular provider, you can always visit that company’s website and fill out the quote form the provide.
Deciding on an company is decision based upon more than just the price. Ask your prospective agent these questions:
- Are you getting all the discounts the company offers?
- How long have they been in business?
- Can you contact them at any time?
- Can you use your own choice of collision repair facility?
- How are they compensated?
- How often do they review policy coverages?
- Is every driver in your family covered?
Below are Dallas car insurance companies willing to provide rate quotes for Jeep Patriot insurance in Dallas.
- Sheaner Insurance, LLP
2501 Abrams Rd – Dallas, TX 75214 – (214) 823-3003 – View Map - Joe Pearce – State Farm Insurance Agent
9543 Losa Dr #111 – Dallas, TX 75218 – (214) 327-9315 – View Map - Kristin Marquardt – State Farm Insurance Agent
10455 N Central Expy Ste 105 – Dallas, TX 75231 – (214) 987-2886 – View Map - Ann Nguyen – State Farm Insurance Agent
12655 N Central Expy #310 – Dallas, TX 75243 – (214) 692-0900 – View Map
Tailor your car insurance coverage to you
When choosing adequate coverage, there isn’t really a single plan that fits everyone. Every situation is different and your policy should reflect that.
For instance, these questions might point out if your insurance needs would benefit from professional advice.
- Can good grades get a discount?
- Is my babysitter covered when using my vehicle?
- Can my teen drive my company car?
- Is water damage covered by my policy?
- What states are considered no-fault?
- Can I afford to buy a different vehicle if my Jeep Patriot is totaled?
- Where can I find high-risk insurance?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.
More comparisons equals cheap rates
When getting Dallas auto insurance quotes online, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, someone dropped full coverage only to discover later they didn’t have enough coverage. Your aim should be to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.
Cheap Jeep Patriot insurance in Dallas can be bought on the web as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who may not offer internet price quotes and these smaller companies sell through local independent agents.
Helpful learning opportunities
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- How Much are Dallas Auto Insurance Rates for a Toyota Highlander? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Hyundai Sonata in Dallas? (FAQ)
- How Much are Auto Insurance Quotes for Drivers Requiring a SR22 in Dallas? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Jeep Wrangler in Dallas? (FAQ)
- Event Data Recorders FAQ (iihs.org)
- Frontal Crash Tests (iihs.org)
- What is Full Coverage? (Allstate)