It goes without saying that insurance companies don’t want you to look for cheaper rates. Consumers who shop for lower prices will presumably switch car insurance companies because of the high probability of finding better rates. A recent survey discovered that drivers who routinely shopped for cheaper coverage saved as much as $3,400 over four years as compared to drivers who never compared prices.
If finding the best price on Jeep Patriot insurance is your objective, then having a good understanding how to compare coverages can make it simple to find affordable coverage.
To save the most money, the best way to find better pricing on auto insurance rates in Irvine is to start comparing prices regularly from insurers in California. You can compare prices by following these steps.
- Get a basic knowledge of how auto insurance works and the things you can change to prevent rate increases. Many rating criteria that cause rate increases such as traffic violations, accidents, and poor credit history can be eliminated by making minor driving habit or lifestyle changes. This article gives tips to get better rates and find discounts that may have been missed.
- Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO or Allstate, while independent agencies can provide price quotes from multiple sources.
- Compare the new quotes to your existing policy to see if switching to a new carrier will save money. If you can save some money and decide to switch, make sure coverage is continuous and does not lapse.
- Provide adequate notice to your current company of your decision to cancel your current policy and submit the application along with any required down payment for the new policy. Once coverage is bound, keep the new certificate verifying proof of insurance with your vehicle’s registration.
The key aspect of shopping around is to make sure you’re comparing identical coverages on each price quote and and to compare every company you can. Doing this ensures a fair rate comparison and a thorough price selection.
Cheapest companies for Jeep Patriot insurance in California
The companies shown below offer quotes in Irvine, CA. If you wish to find cheap car insurance in CA, we recommend you visit several of them to get a more complete price comparison.
Insurance data for a Jeep Patriot
The table displayed below showcases estimates of insurance costs for Jeep Patriot models. Understanding how rates are formulated is important to be able to make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $318 | $638 | $574 | $34 | $172 | $1,736 | $145 |
| Patriot Sport 4WD | $318 | $638 | $574 | $34 | $172 | $1,736 | $145 |
| Patriot Limited 2WD | $366 | $776 | $574 | $34 | $172 | $1,922 | $160 |
| Patriot Limited 4WD | $366 | $776 | $574 | $34 | $172 | $1,922 | $160 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Prices do not factor in zip code location which can raise or lower rates considerably.
Raise deductibles and save
A question often asked by Irvine drivers is how high should the deductibles for physical damage be. The following tables may help you to understand the premium difference when you choose different policy deductibles. The first set of prices uses a $100 deductible for comp and collision and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Patriot Sport 4WD | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Patriot Limited 2WD | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Patriot Limited 4WD | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $184 | $298 | $442 | $26 | $132 | $1,082 | $90 |
| Patriot Sport 4WD | $184 | $298 | $442 | $26 | $132 | $1,082 | $90 |
| Patriot Limited 2WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Patriot Limited 4WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in vehicle garaging location which can affect premiums significantly.
Based on this data, using a $100 deductible costs about $40 more each month or $480 every year than selecting the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 23 months between claims, you would most likely save money if you opt for a higher deductible.
Discounts mean cheaper rates for Jeep Patriot insurance in Irvine
Some companies don’t always publicize every policy discount in a way that’s easy to find, so the list below details some of the more common and also the more inconspicuous discounts that you may qualify for.
- Online Discount – A few larger online companies will give a small break for buying a policy and signing up digitally online.
- Defensive Driver Discounts – Taking time to complete a safe driver course could save 5% or more depending on where you live.
- Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
- Discount for New Cars – Buying coverage on a new vehicle is cheaper because newer vehicles have to meet stringent safety requirements.
- Fewer Miles Equal More Savings – Low annual miles may allow you to get substantially lower prices.
- Life Insurance Discount – Some companies give a small discount if you purchase life insurance.
- Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving can save a little off the medical payments premium.
- 55 and Retired – If you’re over the age of 55, you may receive lower premium rates.
- Membership in Organizations – Being in qualifying employment or professional organizations could qualify you for a break on car insurance.
- Auto/Home Discount – When you have multiple policies with the same company you could get a discount of up to 20% off your total Patriot insurance premium.
As a sidenote, most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears you can get free auto insurance, you’re out of luck.
The example below compares Jeep Patriot insurance premiums with and without some available policy discounts. The data is based on a male driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, marriage, homeowner, and claim-free discounts applied.
A list of car insurance companies and the discounts they provide include:
- State Farm discounts include good student, passive restraint, multiple autos, multiple policy, and accident-free.
- Liberty Mutual has discounts for new move discount, good student, exclusive group savings, newly married, new graduate, and teen driver discount.
- American Family offers premium reductions for mySafetyValet, good driver, TimeAway discount, Steer into Savings, multi-vehicle, early bird, and accident-free.
- Progressive offers discounts for homeowner, continuous coverage, online signing, good student, online quote discount, multi-vehicle, and multi-policy.
- Farmers Insurance may have discounts that include alternative fuel, electronic funds transfer, multi-car, distant student, pay in full, and good student.
- Auto-Owners Insurance includes discounts for paid in full, group or association, paperless, anti-theft, and company car.
- SAFECO offers discounts including anti-lock brakes, bundle discounts, drive less, teen safety rewards, and accident prevention training.
Before you buy a policy, ask every company which discounts they offer. Discounts might not be available to policyholders in your state. To locate insurance companies who offer free Jeep Patriot insurance quotes in Irvine, follow this link.
Get rate quotes but work with a local Irvine insurance agent
A small number of people prefer to sit down with an agent and that can be a smart move A nice benefit of getting online price quotes is that drivers can save money and get the lowest rates and still buy from a local agent. Buying from local insurance agents is especially important in Irvine.
For easy comparison, once you complete this form (opens in new window), the coverage information is sent to participating agents in Irvine who will give competitive quotes for your insurance coverage. You won’t need to leave your computer since rate quotes are delivered directly to you. You can find better rates without a big time investment. If you need to get a price quote from a specific company, feel free to visit that company’s website and fill out their quote form.
When finding a reputable insurance agent or broker, you should know the different types of agencies and how they operate. Agents in Irvine can be described as either independent or exclusive.
Independent Insurance Agencies or Brokers
Agents in the independent channel do not write with just one company and that enables them to quote your coverage with any number of different companies enabling the ability to shop coverage around. If they find a lower price, the agent simply finds a different carrier without you having to go to a different agency. When comparing insurance prices, we recommend you get quotes from several independent insurance agents to have the most options to choose from.
Shown below is a short list of independent agencies in Irvine that can possibly get you free insurance rate quotes.
First American Property and Casualty Insurance Agency, Inc.
24 Executive Park Suite 250 – Irvine, CA 92614 – (888) 546-5118 – View Map
Roger Stone Insurance Agency
5015 Birch St – Newport Beach, CA 92660 – (949) 757-0270 – View Map
KCAL Insurance Agency (Irvine)
14795 Jeffrey Rd – Irvine, CA 92618 – (949) 786-6888 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel can usually just insure with one company like Allstate, State Farm and Farm Bureau. These agents are not able to shop your coverage around so keep that in mind. Exclusive agents are well schooled on their products and sales techniques and that can be a competitive advantage.
Shown below is a list of exclusive agents in Irvine willing to provide price quotes.
Farmers Insurance
4000 Barranca Pkwy # 250 – Irvine, CA 92604 – (949) 262-3238 – View Map
John Luithly – State Farm Insurance Agent
16277 Laguna Canyon Rd F – Irvine, CA 92618 – (949) 727-4442 – View Map
State Farm: Richard Tay
14210 Culver Dr A – Irvine, CA 92604 – (949) 559-8866 – View Map
Deciding on an car insurance agent should include more criteria than just a low price. You should also get answers to these questions.
- Are they actively involved in the community?
- Which insurance companies are they affiliated with?
- What insurance company do they write the most business with?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they see any coverage gaps in your plan?
- Where are claims handled?
- Has the agent ever had any license suspensions?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Smart shoppers get results
As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. In too many instances, someone sacrificed liability limits or collision coverage and discovered at claim time that they should have had better coverage. Your focus should be to get the best coverage possible at the lowest possible cost, not the least amount of coverage.
There are still a few companies who don’t offer rates over the internet and usually these regional carriers only sell through independent agents. Lower-priced Jeep Patriot insurance in Irvine can be sourced both online and also from your neighborhood Irvine agents, and you need to comparison shop both to have the best selection.
We covered a lot of information how to save on Jeep Patriot insurance in Irvine. The key concept to understand is the more price quotes you have, the higher your chance of finding the cheapest Jeep Patriot rate quotes. You may even be surprised to find that the best price on car insurance is with the smaller companies. These companies may have significantly lower auto insurance rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.
Helpful learning opportunities
- Understanding Your Insurance Deductible (Insurance Information Institute)
- What Insurance is Cheapest for Nurses in Irvine? (FAQ)
- Who Has the Cheapest Auto Insurance for Veterans in Irvine? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- How to shop for a safer car (Insurance Institute for Highway Safety)