It’s a known fact that car insurance companies don’t want their customers to go rate shopping. Consumers who compare price quotes are likely to buy a new policy because they have good chances of finding a policy with better rates. A recent car insurance study discovered that consumers who regularly compared rates saved an average of $72 a month compared to those who don’t make a habit of comparing rates.
If finding low prices for Jeep Patriot insurance in Boston is your ultimate target, then having a grasp of how to get rate quotes and compare insurance premiums can save time, money, and frustration.
Really, the only way to get more affordable Jeep Patriot insurance in Boston is to do an annual price comparison from companies in Massachusetts.
- Try to comprehend how companies set rates and the steps you can take to prevent high rates. Many risk factors that cause rate increases like getting speeding tickets and a negative credit rating can be remedied by making lifestyle changes or driving safer. Keep reading for the details to find cheap rates and find additional discounts.
- Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while agents who are independent can provide price quotes from multiple companies. View insurance agents
- Compare the new rate quotes to the price on your current policy to see if cheaper Patriot coverage is available. If you find better rates and decide to switch, ensure coverage does not lapse between policies.
- Give notification to your agent or company of your decision to cancel the current policy. Submit a down payment along with a signed application to the newly selected company. Make sure you keep the new certificate of insurance in a readily accessible location in your vehicle.
The most important part of shopping around is that you’ll want to compare similar deductibles and liability limits on every quote and and to get prices from as many carriers as you can. This enables an accurate price comparison and the best price quote selection.
The method we recommend to compare car insurance company rates for Jeep Patriot insurance in Boston utilizes the fact most of the larger companies have advanced systems to give you rate quotes. The only thing you need to do is provide a small amount of information like deductibles desired, if a SR-22 is required, the year, make and model of vehicles, and if it has an alarm system. The rating information gets transmitted to multiple auto insurance providers and they respond with quotes almost instantly.
To compare cheap Jeep Patriot insurance rates now, click here then complete the form.
The companies in the list below are ready to provide comparison quotes in Boston, MA. In order to find cheap car insurance in Massachusetts, we recommend you get rate quotes from several of them to get the most competitive price.
Get lower-cost Jeep Patriot insurance in Boston with discounts
Insurance can cost an arm and a leg, but you might be missing out on some discounts to help offset the cost. Certain credits will be shown at the time you complete a quote, but a few must be specially asked for prior to receiving the credit.
- Defensive Driver – Taking a class that teaches defensive driving techniques could cut 5% off your bill and easily pay for the cost of the class.
- Low Mileage Discounts – Keeping the miles down on your Jeep may enable drivers to earn cheaper prices.
- Discount for Swiching Early – Some companies provide a discount for switching to them before your current coverage expires. This can save 10% or more.
- Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings up to 30%.
- Good Driver Discount – Drivers who avoid accidents can save as much as half off their rates than their less cautious counterparts.
- Discounts for Seat Belt Usage – Drivers who require all occupants to use their safety belts can save a little on the medical payments or PIP coverage costs.
- Employee of Federal Government – Active or retired federal employment may reduce rates when you quote Boston car insurance but check with your company.
- Professional Memberships – Being a member of certain professional organizations may earn a discount on your policy.
- Accident Waiver – Not a discount per se, but a handful of insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a specific time period.
While discounts sound great, it’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comp or med pay. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.
The diagram below shows the difference between Jeep Patriot yearly insurance costs with and without discounts applied to the premium. The premium estimates are based on a female driver, no claims or violations, Massachusetts state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, claim-free, multi-car, and marriage discounts applied.
Companies and a summarized list of policyholder discounts are outlined below.
- State Farm includes discounts for good driver, Drive Safe & Save, anti-theft, multiple policy, passive restraint, good student, and accident-free.
- GEICO may include discounts for federal employee, five-year accident-free, anti-lock brakes, defensive driver, and military active duty.
- Allstate has savings for utility vehicle, economy car, early signing, multi-policy, and passive restraint.
- SAFECO offers premium reductions for homeowner, safe driver, bundle discounts, anti-lock brakes, and accident prevention training.
- Farm Bureau may offer discounts for safe driver, multi-vehicle, good student, multi-policy, driver training, and youthful driver.
- Progressive offers discounts including homeowner, online signing, multi-vehicle, continuous coverage, multi-policy, and good student.
- AAA has discounts for AAA membership discount, multi-policy, education and occupation, good driver, good student, anti-theft, and pay-in-full.
Before buying, ask every insurance company to give you their best rates. Some of the discounts discussed earlier may not apply to policyholders in your area. If you would like to see a list of companies with discount insurance rates in Boston, click this link.
Premium rates and analysis
The information displayed next showcases estimates of coverage costs for Jeep Patriot models. Knowing how car insurance premiums are established is important to be able to make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $192 | $354 | $314 | $18 | $94 | $972 | $81 |
| Patriot Sport 4WD | $192 | $354 | $314 | $18 | $94 | $972 | $81 |
| Patriot Limited 2WD | $222 | $432 | $314 | $18 | $94 | $1,080 | $90 |
| Patriot Limited 4WD | $222 | $432 | $314 | $18 | $94 | $1,080 | $90 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can raise or lower coverage rates noticeably.
Higher deductibles lower rates
One of the hardest decisions when shopping for auto insurance is which deductible level should you buy. The figures shown below summarize the differences in premium rates when you buy lower versus higher policy deductibles. The first rate quote example uses a $100 deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $250 | $426 | $334 | $20 | $100 | $1,155 | $96 |
| Patriot Sport 4WD | $250 | $426 | $334 | $20 | $100 | $1,155 | $96 |
| Patriot Limited 2WD | $288 | $520 | $334 | $20 | $100 | $1,287 | $107 |
| Patriot Limited 4WD | $288 | $520 | $334 | $20 | $100 | $1,287 | $107 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $140 | $224 | $334 | $20 | $100 | $818 | $68 |
| Patriot Sport 4WD | $140 | $224 | $334 | $20 | $100 | $818 | $68 |
| Patriot Limited 2WD | $160 | $274 | $334 | $20 | $100 | $888 | $74 |
| Patriot Limited 4WD | $160 | $274 | $334 | $20 | $100 | $888 | $74 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rate quotes do not factor in zip code location which can raise or lower premiums substantially.
Based on this data, using a $100 deductible will cost you about $31 more each month or $372 each year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 29 months between claim filings, you would save money going with the higher deductible.
The example below demonstrates how deductible levels and can increase or decrease Jeep Patriot insurance prices for different categories of driver ages. The data is based on a single female driver, full physical damage coverage, and no discounts are factored in.
Rate increases following a ticket or accident
The information below illustrates how violations and accident claims drive up Jeep Patriot insurance prices for different age groups of insureds. The costs are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
Comparing prices from local Boston auto insurance agents
Some consumers still like to talk to a local agent and that can be a great decision A nice benefit of getting online price quotes is that drivers can save money and get cheap insurance rates but still work with a licensed agent.
Upon completion of this short form, the coverage information is submitted to participating agents in Boston who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to search for an agent because prices are sent to you directly. You can find the lowest rates and an insurance agent to talk to. If you have a need to compare rates from a specific insurance company, you can always search and find their rate quote page and submit a quote form there.
Picking the best company shouldn’t rely on just the price. The following questions are important to ask.
- What kind of financial rating does the company have?
- Is the agent CPCU or CIC certified?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they write coverage based solely on cost?
- Do they have 24-hour customer assistance?
Independent or Exclusive: It’s your choice
If you’re trying to find a local Boston insurance agency, you should know the different agency structures and how they can service your needs differently. Agents in Boston are either exclusive or independent (non-exclusive).
Exclusive Insurance Agencies
Exclusive insurance agents normally can only provide a single company’s rates like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive insurance agents are very knowledgeable on what they offer which helps them compete with independent agents. Consumers often buy insurance from these agents mostly because of the brand legacy and the convenience of having a single billing for all their coverages.
Below are Boston exclusive insurance agencies that can give you price quotes.
- Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map - AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Independent Agents
Independent insurance agents can sell policies from many different companies and that is an advantage because they can write policies amongst many companies and find you cheaper rates. If they find a cheaper price, an independent agent can move your coverage and you stay with the same agent.
If you need lower rates, you should always check rates from multiple independent agents so that you have a good selection of quotes to compare. Most also write with small regional insurance companies which can save you money.
Shown below is a list of independent agencies in Boston willing to provide rate quotes.
- Allston Insurance
281 Western Ave – Boston, MA 02134 – (617) 229-6413 – View Map - Cavanaugh Insurance Agency
75 Boston-Providence Turnpike – Norwood, MA 02062 – (781) 762-3400 – View Map - Arbella Insurance
120 Middlesex Ave – Somerville, MA 02145 – (617) 666-0222 – View Map
Quote Jeep Patriot Insurance for Less
Consumers need to have an understanding of some of the factors that aid in calculating your policy premiums. If you have a feel for what influences your rates, this enables you to make decisions that will entitle you to big savings. Many things are part of the equation when quoting car insurance. Some factors are common sense such as your driving record, although others are not quite as obvious such as whether you are married and annual miles driven.
- Cheaper premiums for prior coverage – Going without insurance is a sure-fire way to bump up your auto insurance costs. Not only will rates go up, the inability to provide proof of insurance can result in a revoked license or a big fine.
- Pay lower costs if you’re married – Being married may save some money on your auto insurance bill. Marriage demonstrates that you tend to be more mature and statistics show married drivers get in fewer accidents.
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Are females or males drivers cheaper? – Statistics have proven women tend to be less risk to insure than men. This data doesn’t prove that women are BETTER drivers than men. Men and women cause at-fault accidents in similar percentages, but males cause more damage. In addition to higher claims, males also get more serious tickets like DWI (DUI) or reckless driving.
The information below visualizes the comparison of Jeep Patriot insurance costs for male and female drivers. The premiums assume no accidents or driving violations, full coverage, $250 deductibles, drivers are not married, and no policy discounts are applied.
- Lower premiums with alarms and GPS tracking – Choosing to buy a car with a theft deterrent system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent vehicle theft.
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Claims statistics for a Jeep Patriot – Insurers use claims history when setting rates for each model. Models that statistically have higher frequency or amount of claims will have a higher premium rate.
The data below shows the insurance loss data used by companies for Jeep Patriot vehicles. For each policy coverage, the claim probability for all vehicles averaged together is equal to 100. Percentage values below 100 mean the vehicle has better than average losses, while numbers that are greater than 100 show a trend for more claims or statistically larger claims.
Car Insurance Loss Data for Jeep Patriot Models Vehicle Make and 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 BETTERAVERAGEWORSEData Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Three reasons car insurance is important
Even though it’s not necessarily cheap to insure a Jeep in Boston, insurance is required by state law in Massachusetts and it also provides benefits you may not be aware of.
- Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance coverage in order to drive the car. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your vehicle has a lienholder, it’s most likely the lender will have a requirement that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender may insure your Jeep at a much higher rate and require you to pay for it.
- Car insurance preserves both your assets and your vehicle. It also can pay for medical bills for you, any passengers, and anyone injured in an accident. Liability insurance will also pay attorney fees if you are sued as the result of your driving. If your Jeep gets damaged, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of insuring your car more than offset the price you pay, especially when you need to use it. But the average American driver is currently overpaying as much as $865 each year so we recommend shopping around once a year at a minimum to be sure current rates are still competitive.
Best car insurance in Boston
Buying coverage from the highest-rated car insurance provider can be rather challenging considering how many different insurance companies sell coverage in Boston. The company ratings shown next may help you analyze which car insurance providers to look at when shopping around.
Top 10 Boston Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Allstate
Persistent drivers can save
We just covered quite a bit of information on how to compare Jeep Patriot insurance prices in Boston. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding affordable Boston car insurance quotes. Drivers may even discover the lowest prices come from the smaller companies.
When getting Boston car insurance quotes online, it’s a bad idea to buy less coverage just to save a little money. In many instances, an insured cut collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at a price you can afford and still be able to protect your assets.
Insureds who switch companies do it for a variety of reasons including poor customer service, not issuing a premium refund, extreme rates for teen drivers and even high prices. Regardless of your reason, finding the right auto insurance provider is less work than it seems.
Additional detailed information can be read by following these links:
- Understanding Car Crashes Video (iihs.org)
- Who Has Affordable Car Insurance Quotes for a Dodge Ram in Boston? (FAQ)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Teen Driving Statistics (iihs.org)
- Think You’re a Safe Driver? (State Farm)