Affordable Jeep Patriot Insurance in Lincoln

Discount Jeep Patriot insuranceThe best way we recommend to save on Jeep Patriot insurance in Lincoln is to make a habit of comparing prices annually from insurance carriers that insure vehicles in Nebraska.

An essential thing to point out is that you’ll want to compare the same liability limits and deductibles on each price quote and and to get rates from as many carriers as you can. Doing this enables a level playing field and a complete rate analysis.

It’s amazing but almost 70% of insureds kept their coverage with the same auto insurance company for over three years, and nearly the majority have never shopped around. Consumers in Lincoln could cut their rates by 30% a year just by comparing rates, but they just don’t understand how easy it is to go online and compare rates.

Best companies for low-cost Jeep Patriot insurance in Nebraska

The following companies offer free rate quotes in Lincoln, NE. To locate cheaper auto insurance in Lincoln, we suggest you get prices from several of them to get the most affordable price.

Statistics and details

The data table below covers detailed analysis of insurance policy prices for Jeep Patriot models. Being able to understand how policy rates are established can help customers make decisions when choosing a new policy provider.

Jeep Patriot Insurance Rates in Lincoln, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $124 $202 $300 $18 $90 $734 $61
Patriot Sport 4WD $124 $202 $300 $18 $90 $734 $61
Patriot Limited 2WD $144 $246 $300 $18 $90 $798 $67
Patriot Limited 4WD $144 $246 $300 $18 $90 $798 $67
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Information does not factor in garaging location in Lincoln which can influence premium rates substantially.

Physical damage deductible comparison

When comparing auto insurance rates, the most common question is the level to set your comp and collision deductibles. The premium rates below can help you understand the cost difference when you select higher and lower coverage deductibles. The first rate quote example uses a $250 deductible for physical damage and the second rate chart uses a $1,000 deductible.

Jeep Patriot insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $202 $320 $300 $18 $90 $955 $80
Patriot Sport 4WD $202 $320 $300 $18 $90 $955 $80
Patriot Limited 2WD $232 $390 $300 $18 $90 $1,055 $88
Patriot Limited 4WD $232 $390 $300 $18 $90 $1,055 $88
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Jeep Patriot insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Patriot Sport 2WD $124 $202 $300 $18 $90 $734 $61
Patriot Sport 4WD $124 $202 $300 $18 $90 $734 $61
Patriot Limited 2WD $144 $246 $300 $18 $90 $798 $67
Patriot Limited 4WD $144 $246 $300 $18 $90 $798 $67
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Table data does not factor in your specific Lincoln location which can lower or raise insurance rates substantially.

Based on this data, using a $250 deductible costs about $20 more each month or $240 each year than buying the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 38 months between claims, you would save more money by going with a higher deductible.

How accidents and tickets impact rates in Lincoln

The diagram below illustrates how traffic citations and at-fault collisions can influence Jeep Patriot insurance rates for different age groups. The costs are based on a single female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

Price comparison of only insuring for liability

The illustration below visualizes the comparison of Jeep Patriot annual premium costs with full coverage compared to only the Nebraska minimum liability coverage. The rates are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are factored in.

Should you be buying full coverage?

There is no specific rule to drop physical damage coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let’s say your Jeep Patriot claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $7,000 after paying the physical damage deductible. If you are paying in excess of $700 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are a few cases where removing full coverage is not recommended. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not opt for liability only.

These seven discounts can slash Jeep Patriot insurance rates

Companies don’t list all possible discounts very well, so the list below gives a summary of a few of the more well known as well as some of the hidden credits available to lower your premiums when you buy Lincoln auto insurance online.Insurance discounts

Consumers should know that many deductions do not apply to the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. Even though the math looks like all the discounts add up to a free policy, that’s just not realistic.

The example below compares Jeep Patriot car insurance rates with and without policy discounts. The data is based on a male driver, no tickets, no at-fault accidents, Nebraska state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-car, multi-policy, and homeowner discounts applied.

To see a list of insurers that can offer you the previously mentioned discounts in Lincoln, click this link.

Car insurance can be complex

When choosing proper insurance coverage, there really is no best way to insure your cars. You are unique so your insurance needs to address that.Car insurance savings
For example, these questions could help you determine if your situation could use an agent’s help.

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance is available from local agents

Some people prefer to buy from a licensed agent and that can be a great decision Experienced insurance agents can help you choose the best coverages and help you file claims. An additional benefit of getting online price quotes is the fact that you can find the best rates but also keep your business local.

To make it easy to find an agent, after completing this simple form, the coverage information is sent to local insurance agents who want to provide quotes to get your business. You don’t have to find an agent because quoted prices will be sent instantly to you. If you want to get a comparison quote from one company in particular, don’t hesitate to visit that company’s website and give them your coverage information.

Choosing the best insurance company shouldn’t rely on just the bottom line cost. The following questions are important to ask.

The difference between Lincoln car insurance agents

If you need to find an insurance agent, it’s helpful to know the different types of agents that differ in how they can insure your vehicles. Auto insurance agents in Lincoln are classified as either independent (non-exclusive) or exclusive. Either one can sell and service auto insurance coverage, but we need to point out why they differ since it can affect which type of agent you select.

Exclusive Agencies

Exclusive insurance agents work for only one company such as Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide prices from multiple companies so always compare other rates. Exclusive agents are well trained on what they offer which helps them sell on service rather than price.

The following are exclusive insurance agencies in Lincoln willing to provide rate quotes.

1600 Normandy Ct #110Lincoln, NE 68512(402) 261-3959View Map

7111 A St #103Lincoln, NE 68510(402) 413-7111View Map

245 S 84th St #117Lincoln, NE 68510(402) 489-7799View Map

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Independent Agents (or Brokers)

Independent agencies do not write with just one company and that is an advantage because they can write policies with any number of different companies and find you the best rates. If your agent finds better pricing, your agent can switch companies and you stay with the same agent.

When comparing rate quotes, you will want to include price quotes from at a minimum one independent agency for maximum quote selection.

Below are independent agencies in Lincoln that are able to give comparison quotes.

3230 S 13th StLincoln, NE 68502(402) 423-6262View Map

Buethe and Associates Insurance Agency
2337 S 13th StLincoln, NE 68542(402) 474-2063View Map

Brokers Insurance
3325 A StLincoln, NE 68510(402) 434-0480View Map

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Once you have good responses to any questions you have and an affordable coverage quote, you may have found an insurance agency that is reliable enough to provide auto insurance coverage. Just keep in mind you can always cancel your policy at any point so never assume that you’re stuck with a specific company for any length of time.

Car insurance coverage options for a Jeep Patriot

Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages offered by car insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, damage from getting keyed, damage from flooding and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

Liability insurance protects you from damage that occurs to people or other property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability coverage pays for things such as bail bonds, funeral expenses and structural damage. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible. Nebraska state minimum liability requirements are 25/50/25 but it’s recommended drivers buy more liability than the minimum.

The chart below shows why buying the state minimum limits may not be adequate.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Jeep Patriot.

Because many people carry very low liability coverage limits (which is 25/50/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage for collisions

Collision coverage covers damage to your Patriot resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a building, hitting a mailbox and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible on your Patriot to bring the cost down.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills like rehabilitation expenses, chiropractic care, hospital visits and funeral costs. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

How to find a good Lincoln car insurance company

Choosing a highly-rated auto insurance provider can be a challenge considering how many companies are available to choose from in Lincoln. The company ratings in the lists below can help you analyze which auto insurance companies to look at when shopping around.

Best Car Insurance Companies in Lincoln
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Best Car Insurance Companies

Insurance savings summarized

You just learned many ways to shop for Jeep Patriot insurance online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may even discover the lowest priced insurance comes from a small mutual company. These companies may only write in your state and offer lower rates than their larger competitors like Progressive or GEICO.

Discount Jeep Patriot insurance in Lincoln can be sourced both online and with local Lincoln insurance agents, so you need to shop Lincoln auto insurance with both to get a complete price analysis. Some insurance providers may not have price quotes online and most of the time these small insurance companies provide coverage only through independent agents.

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