Surprisingly, a recent survey revealed that the vast majority of insurance customers have been with the same company for at least four years, and just under half have never compared insurance rates at all. With the average premium in Florida being $2,158, drivers could save an average of about $1,130 each year by just comparing quotes, but most undervalue how much money they would save if they changed companies.
If saving the most money is your goal, then the best way to find affordable quotes for Jeep Patriot insurance is to compare prices at least once a year from different companies in Miami. Rate comparisons can be done by following these steps.
- First, try to learn about coverages and the things you can change to lower rates. Many rating criteria that cause high rates like accidents, careless driving, and poor credit can be rectified by making minor changes to your lifestyle.
- Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like Progressive and State Farm, while independent agents can provide price quotes for a wide range of insurance providers.
- Third, compare the new quotes to your existing coverage to see if a cheaper rate is available in Miami. If you find better rates and switch companies, make sure coverage does not lapse between policies.
- Fourth, provide adequate notice to your current company of your decision to cancel the current policy and submit the application along with any required down payment for your new coverage. Once the paperwork is finalized, put the proof of insurance certificate with the vehicle registration.
The key thing to know about shopping around is that you’ll want to make sure you compare similar coverage information on each price quote and and to get price quotes from as many auto insurance providers as possible. Doing this helps ensure an apples-to-apples comparison and the best rate selection.
Low Cost auto insurance in Miami, FL
The providers in the list below are ready to provide quotes in Miami, FL. To get the cheapest car insurance in Miami, FL, we recommend you compare several of them in order to get a fair rate comparison.
Insurance statistics for a Jeep Patriot
The premium table below outlines different rate quotes for Jeep Patriot models. Understanding how auto insurance policy rates are determined is important for you to make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $356 | $532 | $546 | $32 | $164 | $1,630 | $136 |
| Patriot Sport 4WD | $356 | $532 | $546 | $32 | $164 | $1,630 | $136 |
| Patriot Limited 2WD | $410 | $648 | $546 | $32 | $164 | $1,800 | $150 |
| Patriot Limited 4WD | $410 | $648 | $546 | $32 | $164 | $1,800 | $150 |
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in vehicle location which can increase or decrease price quotes considerably.
Choosing deductibles
The hardest decision when buying coverage is how high should the deductibles for physical damage be. The data tables below show the difference in cost of buying low and high physical damage coverage deductibles. The first rate estimation uses a $100 physical damage deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $312 | $532 | $418 | $24 | $124 | $1,435 | $120 |
| Patriot Sport 4WD | $312 | $532 | $418 | $24 | $124 | $1,435 | $120 |
| Patriot Limited 2WD | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| Patriot Limited 4WD | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $228 | $360 | $418 | $24 | $124 | $1,154 | $96 |
| Patriot Sport 4WD | $228 | $360 | $418 | $24 | $124 | $1,154 | $96 |
| Patriot Limited 2WD | $262 | $438 | $418 | $24 | $124 | $1,266 | $106 |
| Patriot Limited 4WD | $262 | $438 | $418 | $24 | $124 | $1,266 | $106 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in vehicle location which can lower or raise premiums greatly.
We can derive from the above data that using a $100 deductible will cost in the ballpark of $26 more each month or $312 a year than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 15 months between claim filings, you would more than likely save some money if you opt for a higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $100 deductibles: | $127 |
| Average monthly premium for $500 deductibles (subtract): | – $101 |
| Monthly savings from raising deductible: | $26 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $26 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
Cautious Miami drivers save money
The chart below demonstrates how traffic citations and at-fault claims can raise Jeep Patriot car insurance costs for different categories of driver ages. The prices are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
Jeep Patriot Insurance Premium Factors
Many things are part of the equation when you get your auto insurance bill. Most are fairly basic such as your driving record, although others are not quite as obvious like your continuous coverage or your vehicle rating.
The items below are a partial list of the pieces used by companies to determine premiums.
Low stress vocation equals lower prices – Did you know that where you work can have an impact on rates? Jobs like doctors, architects, and miners generally have higher premiums than the average policyholder because of job stress and lengthy work days. On the flip side, careers like farmers, historians and the unemployed receive lower rates.
Age of drivers – Older insureds are proven to be safer behind the wheel, statistically cause fewer accidents, and receive fewer citations. Drivers with little experience have been known to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.
The data below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
Low comp and collision deductibles can be expensive – Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Jeep. Some instances where coverage would apply could be a dented fender, damage from fire, and burglary. Comp and collision deductibles represent how much money you are required to pay in the event of a claim. The more of the claim you have to pay, the better rate you will receive.
Costs impacted by vehicle usage – The higher the miles on your Jeep in a year’s time the more it will cost to insure it. Almost all companies calculate prices determined by how the vehicle is used. Vehicles that have low annual miles receive better premium rates than vehicles that have high annual mileage. It’s always a good idea to double check that your policy reflects the correct driver usage. Incorrect rating for your Patriot can cost quite a bit.
Do males or females drive better? – Statistics show females are less aggressive when driving. The data does not necessarily mean that men are worse drivers. Females and males tend to get into fender benders in similar numbers, but males cause more damage. Not only that, but men also get cited for more serious violations like DUI and reckless driving.
The diagram below illustrates the comparison of Jeep Patriot car insurance costs for male and female drivers. The rates are based on no accidents or driving violations, full coverage, $250 deductibles, marital status is single, and no discounts are factored in.
Vehicle options that cut prices – Selecting a car model with advanced anti-theft systems can earn a premium discount. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your vehicle from being stolen.
Discounts for married drivers – Being married may cut your premiums on your policy. Marriage generally demonstrates drivers are more mature than a single person and it’s statistically proven that drivers who are married file infrequent claims.
Insurance loss data for a Jeep Patriot – Companies take into consideration historical loss data for every vehicle to help determine rates. Vehicles that historically have higher prevalence or dollar amount of losses will cost more to insure.
The table below demonstrates the insurance loss data for Jeep Patriot vehicles. For each type of coverage, the claim probability for all vehicles, as an average, is represented as 100. Values below 100 imply a favorable loss record, while values over 100 indicate higher probability of having a loss or statistically larger losses.
| Specific Jeep 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 |
Statistics from IIHS.org for 2013-2015 Model Years
Don’t overlook these Jeep Patriot insurance discounts
Companies offering auto insurance don’t list every available discount in an easy-to-find place, so the list below details both the well known as well as the least known auto insurance savings.
- Student in College – Children living away from Miami attending college and do not have a car can be insured at a reduced rate.
- Bundled Policy Discount – If you can bundle your auto and home insurance with the same insurance company you could earn a discount of at least 10% off all policies.
- Driver Safety – Participating in a course that instructs on driving safety could possibly earn you a 5% discount and easily recoup the cost of the course.
- Theft Prevention System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft so companies will give you a small discount.
- Early Switch Discount – A few auto insurance companies offer discounts for renewing your policy before your current coverage expires. You may see this discount when you get Miami auto insurance quotes online.
- Memberships – Affiliation with qualifying employment or professional organizations is a good way to get lower rates on your next auto insurance statement.
- Pay Early and Save – By paying your policy upfront instead of paying each month you could save 5% or more.
- Senior Citizen Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
As is typical with insurance, some of the credits will not apply to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. If you do the math and it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.
The information below illustrates the comparison of Jeep Patriot yearly insurance costs with and without discounts. The data assumes a female driver, no violations or accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, marriage, safe-driver, and homeowner discounts applied.
A few companies that possibly offer these money-saving discounts include:
Before buying, ask each company which discounts you may be entitled to. A few discounts may not be offered in Miami. If you would like to choose from a list of insurers that offer many of these discounts in Florida, follow this link.
When to have guidance from an insurance agent
Many drivers just prefer to visit with an insurance agent and that is a smart decision The best thing about comparing insurance prices online is the fact that drivers can get lower prices and still buy from a local agent.
To find an agent, once you fill out this simple form, your insurance coverage information is emailed to participating agents in Miami who will give you bids and help you find cheaper coverage. You won’t need to find an agent on your own due to the fact that quote results will go immediately to you. You can find lower rates and an insurance agent to talk to. If you want to compare rates from a specific company, you can always visit that company’s website and complete a quote there.
Finding the right provider needs to be determined by more than just the bottom line cost. The answers to these questions are important, too.
- Is assistance available after office hours?
- If independent agents, which companies do they recommend?
- How long has their agency been in business in Miami?
- Do they write coverage based solely on cost?
- Is the coverage adequate for your vehicle?
- Does the agency have a positive business rating?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
Pick the best auto insurance agent in Miami for you
If you are wanting to find a reputable insurance agent or broker, you should know the different types of agents and how they operate. Insurance agencies in Miami can be described as either exclusive or independent.
Exclusive Agents
Exclusive agencies work for only one company like State Farm or Allstate. They are unable to compare rates from other companies so it’s a take it or leave it situation. Exclusive agents are highly trained on the products they sell which helps offset the inability to provide other markets. Consumers often use the same exclusive agent mainly due to the brand name rather than low rates.
Below is a short list of exclusive agencies in Miami willing to provide rate quotes.
- State Farm: Carlos Luis
6001 Bird Rd – Miami, FL 33155 – (305) 663-2300 – View Map - Clark Alvarado – State Farm Insurance Agent
5209 NW 36th St – Miami Springs, FL 33166 – (305) 887-9543 – View Map - Rick Gonzalez – State Farm Insurance Agent
8830 Coral Way – Miami, FL 33165 – (305) 226-3412 – View Map
Independent Agencies or Brokers
Agents that elect to be independent often have affiliation with several companies so they can insure your vehicles with a variety of different insurance companies and help determine which has the cheapest rates. If they quote lower rates, your agent can just switch to a different company and you stay with the same agent.
When comparing auto insurance rates, you will want to get some free quotes from a couple of independent agencies to ensure the widest selection of prices. Most also write with smaller companies that may provide cheaper auto insurance rates.
Listed below are Miami independent insurance agencies willing to provide comparison quotes.
- Beck and Lo’s Insurance Agency
3636 NW 36th St – Miami, FL 33142 – (305) 634-3306 – View Map - Kahn Carlin Insurance
3350 S Dixie Hwy – Miami, FL 33133 – (305) 446-2271 – View Map - Eguino and Associates Insurance Agency, Inc.
7229 SW 24th St – Miami, FL 33155 – (305) 266-1700 – View Map
If you feel you receive good answers to any questions you may have and a good coverage price, you have narrowed it down to an auto insurance agent that can be trusted to provide auto insurance coverage. Just keep in mind policyholders can cancel coverage for any reason so never assume that you’re stuck with any particular company for the full policy term.
Do the work, save more money
When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. Too many times, someone dropped full coverage to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible for the lowest price.
Drivers change insurance companies for any number of reasons including questionable increases in premium, poor customer service, being labeled a high risk driver or denial of a claim. No matter why you want to switch, finding a new insurance company is less work than it seems.
We covered a lot of ways to compare Jeep Patriot insurance premium rates in Miami. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even find the lowest priced insurance comes from an unexpected company.
Additional detailed information is available at these sites:
- Vehicle Insurance (Wikipedia)
- What Insurance is Cheapest for Young Drivers in Miami? (FAQ)
- Who Has the Cheapest Miami Car Insurance Rates for a Honda CR-V? (FAQ)
- How Much is Miami Auto Insurance for a Nissan Rogue? (FAQ)
- Who Has Cheap Auto Insurance for Business Use in Miami? (FAQ)
- Choosing a Car for Your Teen (State Farm)
- Young Drivers: The High Risk Years Video (iihs.org)
- Distracted Driving (Insurance Information Institute)