Save on Jeep Patriot Insurance in Buffalo

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Discount Jeep Patriot insuranceDo you want to stop overpaying and find lower-priced insurance rates in Buffalo, NY? Buffalo drivers have many options when trying to find low-cost Jeep Patriot insurance. They can either spend hours contacting agents to compare prices or utilize the internet to make rate comparisons. There is a better way to buy insurance and you need to know the quickest way to get price quotes for a new or used Jeep and obtain the lowest price from Buffalo insurance agents and online providers.

It's a good idea to compare premium rates once or twice a year due to the fact that insurance prices change regularly. Just because you found the best rates on Jeep Patriot insurance in Buffalo at your last renewal you can probably find a lower rate today. Ignore everything you know about insurance because we're going to demonstrate one of the quickest ways to get good coverage on Jeep Patriot insurance in Buffalo at a lower rate.

If you have a current auto insurance policy or just want to reduce your rates, you can use these techniques to save money without sacrificing coverage. This article's intent is to teach you a little about how to compare rates easily and also pocket some savings Consumers just need to learn the most time-saving way to find the lowest price online.

The method we recommend to compare insurance rates in your area is to understand auto insurance companies will pay a fee to compare their rates. The only thing you need to do is give them rating details like how old drivers are, if it has an anti-theft system, your general credit rating, and deductibles desired. That information is instantly submitted to multiple top-rated companies and you receive quotes with very little delay.

To find lower cheap Jeep Patriot insurance rates now, click here and enter your zip code.

The car insurance companies shown below have been selected to offer free rate quotes in New York. If you wish to find cheap car insurance in New York, we suggest you visit several of them in order to get a fair rate comparison.

Insurance protects more than just your car

Despite the high insurance cost for a Jeep Patriot in Buffalo, insuring your vehicle serves several important purposes.

  • Almost all states have minimum liability requirements which means you are required to buy a specific minimum amount of liability coverage in order to license the vehicle. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If your Jeep has a loan, most lenders will have a requirement that you carry insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank will be required to insure your Jeep for a lot more money and require you to fork over the higher price.
  • Insurance preserves not only your vehicle but also your financial assets. It also can pay for medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, will also pay to defend you if you are sued as the result of your driving. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to have it repaired.

The benefits of having insurance greatly outweigh the cost, particularly when you have a large claim. As of last year, the average driver in New York is wasting up to $865 each year so compare rate quotes at every policy renewal to make sure the price is not too high.

Rates and detailed analysis

The coverage information shown next covers a range of prices for Jeep Patriot models. Being more informed about how rates are determined can assist in making decisions when shopping around.

Jeep Patriot Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $84 $148 $248 $14 $74 $568 $47
Patriot Sport 4WD $84 $148 $248 $14 $74 $568 $47
Patriot Limited 2WD $98 $180 $248 $14 $74 $614 $51
Patriot Limited 4WD $98 $180 $248 $14 $74 $614 $51
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Premium costs do not factor in specific location which can alter premiums substantially.

How high should deductibles be?

When shopping for auto insurance, a common question is which deductible level should you buy. The figures shown below lay out the rate fluctuation between high and low policy deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

Jeep Patriot insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $198 $338 $264 $16 $80 $921 $77
Patriot Sport 4WD $198 $338 $264 $16 $80 $921 $77
Patriot Limited 2WD $228 $412 $264 $16 $80 $1,025 $85
Patriot Limited 4WD $228 $412 $264 $16 $80 $1,025 $85
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Jeep Patriot insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $110 $178 $264 $16 $80 $648 $54
Patriot Sport 4WD $110 $178 $264 $16 $80 $648 $54
Patriot Limited 2WD $126 $216 $264 $16 $80 $702 $59
Patriot Limited 4WD $126 $216 $264 $16 $80 $702 $59
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Price estimates do not factor in specific zip code location which can revise rates considerably.

Based on the above data, using a $100 deductible will cost you about $24 more each month or $288 a year than buying the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 38 months between claim filings, you would save more money by selecting a higher deductible. The numbers below show an example of how this decision is made.

Average monthly premium for $100 deductibles: $81
Average monthly premium for $1,000 deductibles (subtract): - $57
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

Score discounts on Buffalo insurance

Companies offering auto insurance do not list every possible discount in a way that's easy to find, so we researched both well-publicized as well as the least known discounts that you can inquire about if you buy Buffalo car insurance online.Discount insurance

  • Driver's Ed - Cut your cost by having your teen driver participate in a local driver's education class as it can save substantially.
  • Save with More Vehicles Insured - Buying insurance for multiple cars or trucks on one policy can reduce rates for all insured vehicles.
  • Senior Discount - Seniors are able to get a discount up to 10%.
  • Distant Student Discount - Older children living away from Buffalo attending college and do not take a car to college may be able to be covered for less.
  • Accident Free - Good drivers with no accidents pay less in comparison with drivers with a long claim history.

Policy discounts save money, but some of the credits will not apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.

The information below shows the difference between Jeep Patriot insurance costs with and without some available policy discounts. The premiums assume a male driver, a clean driving record, no at-fault accidents, New York state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, marriage, homeowner, and claim-free discounts applied.

For a list of insurance companies that provide some of the discounts listed above in Buffalo, click this link.

How much car insurance do I need?

When quoting and comparing adequate coverage, there really isn't a perfect coverage plan. Everyone's needs are different and your car insurance should unique, too.Drive safe and save For example, these questions can aid in determining if your situation may require specific advice.

  • Is motorclub coverage worth it?
  • Should I have combined single limit or split liability limits?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my nanny covered when driving my vehicle?
  • Do all my vehicles need collision coverage?
  • Does coverage extend to Mexico or Canada?
  • Can I use my car for my catering business?

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Auto insurance companies ranked

Buying coverage from a high-quality insurer can be difficult considering how many different companies there are to choose from in Buffalo. The information displayed below can help you pick which car insurance providers you want to consider putting your business with.

Best Auto Insurance Companies in New York
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 92 90 82 88% A+ 88.5
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Insure.com Best Car Insurance Companies