Are you tired of not being able to afford to buy insurance? You are in the same boat as many other North Carolina consumers.

Insurance rates Jeep Patriot in RaleighIt's astonishing, but nearly 70% of drivers have stayed with the same insurance company for more than four years, and 38% of drivers have never quoted insurance rates at all. Most drivers in Raleigh could cut their rates by $100 a year, but they feel it's too difficult to go online and compare rates. Lots of auto insurance companies contend for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best rate on Jeep Patriot insurance in Raleigh.

If you have insurance now or are looking for a new policy, you can learn to save money while maintaining coverages. Locating the best rates in Raleigh is not that difficult as long as you know where to start. Drivers just need to understand the best way to buy insurance on the web.

Cheap car insurance in Raleigh, NC

The car insurance companies shown below are ready to provide free quotes in Raleigh, NC. If more than one company is shown, it's a good idea that you visit several of them to get a more complete price comparison.

Jeep Patriot Insurance Costs in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $106 $182 $240 $14 $72 $614 $51
Patriot Sport 4WD $186 $318 $250 $14 $74 $842 $70
Patriot Limited 2WD $136 $204 $326 $20 $98 $784 $65
Patriot Limited 4WD $134 $256 $282 $16 $84 $772 $64
Get Your Own Custom Quote Go

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price information does not factor in specific location which can raise or lower coverage prices significantly.

Impact of speeding/accidents on car insurance rates

The information below illustrates how traffic citations and at-fault accidents influence Jeep Patriot auto insurance costs for different ages of insureds. The rate quotes are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

Should you raise deductibles?

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The following tables approximate how much more rates are of buying low and high policy deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Jeep Patriot insurance premium rates with $250 deductibles
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
Jeep Patriot insurance premium rates with $1,000 deductibles
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

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in specific location information which can modify premium rates substantially.

Based on this data, using a $250 deductible would cost the average driver about $17 more each month or $204 a year than buying the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 44 months between claim filings, you would more than likely save some money if you elect the higher deductible. The illustration below shows the way this decision is made.

Average monthly premium for $250 deductibles: $70
Average monthly premium for $1,000 deductibles (subtract): - $53
Monthly savings from raising deductible: $17
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 44 months

One important issue to know is that raising deductibles to get cheaper rates means you will have to pay more of your own money at claim time. You will want to have access to more funds in the event you need to pay the higher deductible in order to repair your vehicle.

Deductible analysis

The diagram below illustrates how your deductible choice and can affect Jeep Patriot premium costs for different insured age categories. The price estimates are based on a single female driver, comp and collision included, and no discounts are taken into consideration.

Companies offer many discounts on Jeep Patriot insurance in Raleigh

Companies don't always advertise all discounts very clearly, so the list below gives a summary of a few of the more well known as well as some of the hidden discounts you could be receiving when you buy Raleigh car insurance online.Insurance discounts

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. Despite the appearance that it's possible to get free car insurance, it's just not the way it works. Any amount of discount should help reduce your policy premiums.

The best insurance companies and their offered discounts are shown below.

When getting a coverage quote, ask every company which discounts they offer. Discounts might not be offered in your state. To view providers with discount insurance rates in Raleigh, follow this link.

Car insurance is available from local agents

Many drivers would rather buy from a local agent and that can be a smart move Agents can help determine the best coverages and help submit paperwork. One of the best bonuses of getting online price quotes is the fact that you can find lower rates and also buy local. And providing support for local agents is important especially in Raleigh.

Find insurance agent in RaleighAfter completing this form (opens in new window), your insurance coverage information gets sent to insurance agents in Raleigh who will give you quotes to get your business. It makes it easy because there is no need to find an agent on your own since price quotes are sent directly to you. In the event you want to get a comparison quote from a specific car insurance provider, you can always find their quoting web page and fill out their quote form.

Exclusive or Independent: There is a difference

When searching for a local insurance agency, it helps to know the two types of agencies and how they are slightly different. Car insurance agents are classified as either independent or exclusive. Both types can properly insure your vehicles, but it is important to understand how they are different since it could factor into buying decisions.

Independent Car Insurance Agencies

Agents that elect to be independent are not limited to a single company and that allows them to write policies amongst many companies and possibly get better coverage at lower prices. If prices rise, your agent can just switch to a different company without you having to go to a different agency.

If you need lower rates, it's a good idea to get insurance quotes from a few independent agents in order to compare the most rates.

Listed below is a list of independent insurance agents in Raleigh that can give you free price quotes.

6829 Falls of Neuse Rd #103 - Raleigh, NC 27615 - (919) 676-5066 - View Map

1330 St Marys St Suite 250 - Raleigh, NC 27605 - (919) 828-7130 - View Map

309 W Millbrook Rd #151 - Raleigh, NC 27609 - (919) 786-1960 - View Map

More insurance agents

Exclusive Car Insurance Agencies

These type of agents are contracted to one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They are unable to compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable on sales techniques which helps offset the inability to provide other markets.

Shown below is a list of exclusive insurance agents in Raleigh who can help you get comparison quotes.

4030 Wake Forest Rd Ste 106 - Raleigh, NC 27609 - (919) 850-0560 - View Map

9204 Falls of Neuse Rd Ste 100 - Raleigh, NC 27615 - (919) 329-2580 - View Map

2414 Wycliff Rd #110 - Raleigh, NC 27607 - (919) 787-0888 - View Map

More insurance agents

Finding the right insurance agency shouldn't rely on just the price. Any agent in Raleigh should be willing to answer these questions.

Can you really save that much by switching?

Consumers in North Carolina get pounded daily by advertisements that claim the lowest prices by companies like Allstate, GEICO and Progressive. They all seem to make the same claim about savings if you get a free Raleigh car insurance quote and switch your policy.

How does every car insurance company give you a better price on Jeep Patriot insurance in Raleigh? It's all in the numbers.

Different companies have underwriting criteria for the type of driver that earns them a profit. For example, this type of risk profile may be over the age of 45, has never had a policy lapse, and drives newer vehicles. A driver who matches those parameters is entitled to the best price and will probably save money with a new company.

Drivers who may not quite match these criteria may receive higher premium rates and this results in business going elsewhere. The ads state "people who switch" not "everyone who quotes" save that kind of money. This is how companies can truthfully state the savings.

Because of these techniques, you really should get as many free Raleigh car insurance quotes as possible. You cannot predict with any certainty which company will have the lowest rate quotes.

Insurance coverage basics

Knowing the specifics of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are the usual coverages available from insurance companies.

Collision protection

This will pay to fix damage to your Patriot resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible on your Patriot to bring the cost down.

Liability auto insurance

This protects you from injuries or damage you cause to other's property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 30/60/25 that translate to $30,000 in coverage for each person's injuries, a limit of $60,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair costs for stationary objects, legal defense fees, medical services, funeral expenses and attorney fees. How much liability should you purchase? That is up to you, but you should buy as much as you can afford. North Carolina requires minimum liability limits of 30/60/25 but it's recommended drivers buy higher limits.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills for things like nursing services, prosthetic devices and hospital visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, rock chips in glass, theft and fire damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. This coverage pays for injuries to you and your family and damage to your Jeep Patriot.

Due to the fact that many North Carolina drivers only carry the minimum required liability limits (North Carolina limits are 30/60/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are identical to your policy's liability coverage.

Don't give up on affordable rates

You just learned some good ideas how you can shop for Jeep Patriot insurance online. The key thing to remember is the more you quote Raleigh car insurance, the better likelihood of getting cheaper Raleigh car insurance quotes. Consumers may even find the lowest priced insurance comes from a lesser-known regional company. Some small companies often have lower rates on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.

A few companies do not offer the ability to get quotes online and many times these regional carriers sell through independent agents. Lower-priced Jeep Patriot insurance in Raleigh is attainable online and with local Raleigh insurance agents, and you should compare price quotes from both so you have a total pricing picture.

As you quote Raleigh car insurance, make sure you don't buy less coverage just to save a little money. There are a lot of situations where an insured cut liability limits or collision coverage and learned later they didn't purchase enough coverage. The aim is to buy a smart amount of coverage at the best price.

Much more information about insurance in North Carolina can be found at these links: