Comparison shopping for cheaper Jeep Patriot insurance in Columbia can seem to be kind of frustrating for people who are new to shopping for insurance online. People have so many companies to choose from that it can be a burden to find the lowest price on Jeep Patriot insurance.
A recent survey discovered that a large majority of auto insurance policyholders in South Carolina have remained with the same auto insurance company for well over three years, and almost 40% of drivers have never shopped around. American insurance shoppers could save themselves roughly $860 a year just by comparing rates, but most tend to underestimate the amount of savings they would get if they bought a different policy.
You need to take a look at other company's rates at least once a year because prices trend upward over time. Even if you think you had the best deal on Jeep Patriot insurance in Columbia last year there may be better deals available now. There is too much inaccurate information about Patriot insurance on the web, but we're going to give you the best ways to stop overpaying for insurance in Columbia.
Shopping for the lowest cost auto insurance policy in Columbia is not as time-consuming as you think. In essence, every car owner who carries auto insurance should buy a cheaper policy. But South Carolina drivers must know how companies price insurance differently because it can help you find the best coverage.
The most recommended method to compare car insurance company rates for Jeep Patriot insurance in Columbia is to know all the major auto insurance companies actually pay money for the chance to give you rate quotes. To get started, all you need to do is provide the companies a bit of rating information such as if you have a valid license, whether you are married, your credit rating estimate, and what your job is. The rating information is submitted instantly to multiple companies and you will get price comparisons with very little delay.
If you would like to start a quote now, click here and complete the form.
The car insurance companies shown below have been selected to offer free quotes in Columbia, SC. If several companies are displayed, we recommend you visit several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Patriot Sport 2WD||$198||$376||$386||$22||$116||$1,098||$92|
|Patriot Sport 4WD||$138||$226||$348||$20||$104||$836||$70|
|Patriot Limited 2WD||$206||$404||$444||$26||$132||$1,212||$101|
|Patriot Limited 4WD||$252||$520||$386||$22||$116||$1,296||$108|
|Get Your Own Custom Quote Go|
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Information does not factor in the specific area where the vehicle is garaged which can modify coverage rates considerably.
Auto insurance deductibles
The example below illustrates how your choice of deductibles and can raise or lower Jeep Patriot insurance prices for different age groups of insureds. The premium estimates are based on a married female driver, comp and collision included, and no policy discounts are applied.
Annual premiums for males compared to females in Columbia
The chart below visualizes the comparison of Jeep Patriot auto insurance rates for male and female drivers. The premium estimates are based on no accidents, no driving violations, comp and collision included, $100 deductibles, drivers are single, and no policy discounts are applied.
Full coverage or liability only
The illustration below shows the comparison of Jeep Patriot auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in South Carolina. The rates are based on no tickets, no at-fault accidents, $1,000 deductibles, married female driver, and no policy discounts are applied.
Guidelines for dropping full coverage
There is no set rule to drop comp and collision coverage, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.
For example, let's assume your Jeep Patriot settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after paying your policy deductible. If you are paying in excess of $600 annually for full coverage, then you may want to consider only buying liability coverage.
There are some situations where dropping physical damage coverage is not financially feasible. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Affordable rates by getting discounts
Car insurance companies don't always list their entire list of discounts in a way that's easy to find, so the below list has both the well known and the harder-to-find credits available to lower your premiums when you buy Columbia auto insurance online.
- Air Bag Discount - Cars that have air bags or automatic seat belts could see savings of 20% or more.
- Accident-Free Discounts - Good drivers with no accidents get the best insurance rates when compared to insureds who have frequent claims or accidents.
- Theft Deterrent Discount - Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Discounts for Federal Employees - Having worked for a branch of the government could cut as much as 10% off depending on your company.
- Safety Course Discount - Passing a driver safety course could cut 5% off your bill and also improve your driving technique.
- Cautious Drivers - Insureds without accidents can save as much as half off their rates than their less cautious counterparts.
- Senior Citizen Discount - Drivers over the age of 55 can get better insurance rates.
- Life Insurance Discount - Larger insurance companies have a small discount if you purchase auto and life insurance together.
A quick disclaimer, most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, nobody gets a free ride. Any amount of discount will positively reduce your policy premiums.
Popular insurance companies and the discounts they provide are detailed below.
- Progressive may offer discounts for online quote discount, good student, multi-policy, multi-vehicle, continuous coverage, and online signing.
- Farmers Insurance offers discounts including multi-car, pay in full, alternative fuel, homeowner, teen driver, and mature driver.
- Farm Bureau includes discounts for driver training, safe driver, good student, multi-policy, renewal discount, 55 and retired, and youthful driver.
- State Farm policyholders can earn discounts including accident-free, driver's education, anti-theft, passive restraint, good student, good driver, and defensive driving training.
- GEICO may have discounts that include emergency military deployment, anti-theft, federal employee, air bags, and multi-vehicle.
- SAFECO has discounts for anti-lock brakes, multi-car, accident prevention training, homeowner, bundle discounts, and anti-theft.
- Liberty Mutual has savings for new move discount, teen driver discount, safety features, multi-car, and new graduate.
When getting a coverage quote, ask every prospective company to apply every possible discount. Discounts might not be offered on policies in Columbia. To find insurers that can offer you the previously mentioned discounts in Columbia, click here to view.
The Jeep Patriot Insurance Premium Equation
The best way to find cheaper auto insurance is to take a look at some of the things that are used to determine your auto insurance rates. If you have some idea of what impacts premium levels, this enables informed choices that can earn you lower auto insurance prices.
How credit score affects auto insurance rates - A driver's credit history is a large factor in your rate calculation. Drivers with excellent credit scores tend to be better risks to insure as compared to drivers with lower credit ratings. If your credit history is not that good, you may save money insuring your Jeep Patriot if you clean up your credit.
Remove unneeded incidental coverages - Insurance policies have a lot of add-on coverages that sound like a good idea at the time if you don't pay attention. Things like roadside assistance, death and dismemberment, and membership fees could be just wasting money. They may seem good initially, but if you have no use for them consider taking them off your policy.
Pleasure use saves money - The higher the miles on your Jeep in a year's time the more it will cost to insure it. A lot of companies apply a rate determined by how the vehicle is used. Vehicles left parked in the garage qualify for better rates than those used for commuting. An improperly rated Patriot can result in significantly higher rates. Make sure your declarations sheet reflects the correct driver usage.
Never let your auto insurance expire - Driving with no insurance can get your license suspended and any future policy may cost more because you let your insurance expire. And not only will your rates increase, not being able to provide proof of insurance could result in a steep fine or even jail time.
Where you live can affect rates - Living in areas with lower population has definite advantages when buying auto insurance. Less people means less chance of accidents in addition to lower liability claims Residents of big cities tend to have more traffic problems and a longer drive to work. The longer drive time means higher likelihood of an accident.
Jeep Patriot historical loss data - Insurers use past loss statistics for each vehicle to help set a rate to offset losses. Vehicles that statistically have increased claim numbers or amounts will be charged more to insure. The information below illustrates the collected loss data for Jeep Patriot vehicles.
For each policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is a value of 100. Values below 100 are indicative of better than average losses, while values that are above 100 point to more claims or an increased likelihood of larger losses.
Car Insurance Loss Data for Jeep Patriot Models
|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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance agent or online?
Many people would rather visit with an insurance agent and doing so can bring peace of mind A good thing about comparing rates online is you may find cheap auto insurance rates and still buy from a local agent. Buying from and supporting local agencies is especially important in Columbia.
Once you complete this form (opens in new window), your coverage information is submitted to participating agents in Columbia that give free quotes to get your business. There is no need to even leave your home as quotes are delivered to you. You can get cheaper auto insurance rates without the usual hassles of price shopping. If you need to get a rate quote from one company in particular, don't hesitate to visit that company's website and give them your coverage information.
Pick the best car insurance agent in Columbia for you
If you are wanting to find a reliable agent, it helps to know the two different types of agents and how they differ in how they can insure your vehicles. Agents are categorized either independent or exclusive depending on the company they work for.
Independent Auto Insurance Agents
These agents are appointed with more than one company so they can quote policies through many companies and help determine which has the cheapest rates. If prices rise, your agent can just switch to a different company and you don't have to switch agencies. When comparison shopping, you need to get several quotes from a few independent agents to maximize your price options. A lot of them also have access to mutual insurance companies that may provide cheaper auto insurance rates.
The following is a partial list of independent insurance agencies in Columbia that may be able to provide pricing information.
- Nationwide Insurance: Kevin Spencer Agency LLC
952 Sunset Blvd - West Columbia, SC 29169 - (803) 794-0411 - View Map
- Nationwide Insurance: Ernie Yarborough Jr
1034 Briargate Cir - Columbia, SC 29210 - (803) 798-0692 - View Map
- Livingston Insurance Agency
100 9th St - West Columbia, SC 29169 - (803) 791-1120 - View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive normally can only provide a single company's rates like Allstate, AAA, Farmers Insurance, and State Farm. They usually cannot provide prices from multiple companies so they have to upsell other benefits. Exclusive insurance agents are well schooled on sales techniques and that enables them to sell even at higher rates. Consumers often buy from the same agent for years primarily because of the prominence of the brand and solid financial strength.
Shown below are Columbia exclusive agents that can give you price quote information.
- Troy Roberts - State Farm Insurance Agent
3206 Millwood Ave - Columbia, SC 29205 - (803) 212-7000 - View Map
- Gary Williamson - State Farm Insurance Agent
132 Harbison Blvd #100 - Columbia, SC 29212 - (803) 749-1279 - View Map
- Trey Webb - State Farm Insurance Agent
111 Sparkleberry Crossing Rd #10 - Columbia, SC 29229 - (803) 788-9188 - View Map
Selecting an car insurance agent requires you to look at more than just a cheap price. Agents should be asked these questions:
- Will they take your side in the event of a claim?
- Do they offer accident forgiveness?
- Where are claims handled?
- Do they receive special compensation for putting your coverage with one company over another?
- If you raise deductibles, how much can you save?
- Do they have cheaper tiers of coverage?
Situations that may require an agent's advice
Always keep in mind that when comparing proper insurance coverage, there isn't really a cookie cutter policy. Everyone's needs are different.
Here are some questions about coverages that might help in determining if your situation would benefit from an agent's advice.
- What is the ISO rating for a Jeep Patriot?
- How much cheaper are high deductibles?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Should I bundle my homeowners policy with my auto?
- Do I have newly-acquired coverage?
- What does PIP insurance cover?
- Is my dog or cat covered if injured in an accident?
If you don't know the answers to these questions but a few of them apply, you might consider talking to an agent. If you don't have a local agent, complete this form.
Auto insurance ads are enticing
Allstate and Progressive continually stream television, radio, and online ads. All the ads have a common claim that drivers will save a bundle if you just switch your auto insurance policy to them. How is it possible that every company can charge less that you're paying now?
Insurance providers quote their cheapest rates for the type of driver that earns them the most money. A good example of this type of driver might be described as between 30 and 50, carries high limits, and has excellent credit. A customer who meets those qualifications receive the lowest rate quotes in Columbia and most likely will save when switching.
Insureds who may not quite match these standards will see higher rates and business going elsewhere. The ads state "customers who switch" not "everyone that quotes" save money. That is how insurance companies can make claims that they all have the best prices.
This really emphasizes why you need to compare price quotes frequently. It's just too difficult to predict with any certainty which company will have the lowest Jeep Patriot insurance in Columbia.
Don't give up on cheap rates
You just read some good ideas how to lower your Jeep Patriot insurance premium rates in Columbia. It's most important to understand that the more quotes you get, the higher your chance of finding affordable Jeep Patriot insurance quotes. Drivers may even discover the best premium rates are with an unexpected company.
Cheap Jeep Patriot insurance in Columbia can be purchased online and from local agencies, and you need to price shop both to have the best chance of lowering rates. Some auto insurance companies don't offer online quoting and most of the time these smaller providers provide coverage only through independent insurance agencies.
As you prepare to switch companies, it's a bad idea to buy less coverage just to save a little money. Too many times, an insured cut liability limits or collision coverage to discover at claim time they didn't have enough coverage. Your goal should be to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.
For more information, feel free to visit these articles:
- Tread Depth and Tire Safety (State Farm)
- Who Has Affordable South Carolina Car Insurance Rates for Drivers Over Age 60? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers Over Age 50 in South Carolina? (FAQ)
- How Much is Auto Insurance for Used Cars in South Carolina? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Chevrolet Equinox in South Carolina? (FAQ)
- What is the Cheapest Car Insurance in Taylors, SC? (FAQ)
- Who Has Affordable South Carolina Auto Insurance Quotes for Safe Drivers? (FAQ)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Avoiding Deer Collisions (Insurance Information Institute)
- Parking Tips to Reduce Door Dings (State Farm)