Inconceivable but true, the vast majority of insurance customers have remained with the same insurance company for at least four years, and nearly the majority have never shopped around. Pennsylvania drivers could save $690 a year by just comparing rate quotes, but they won’t spend time to compare rate quotes online.
If saving money is your primary concern, then the best way to get affordable Jeep Patriot insurance in Pittsburgh is to make a habit of regularly comparing prices from providers who can sell car insurance in Pennsylvania.
- Read and learn about the coverage provided by your policy and the factors you can control to drop your rates. Many risk factors that drive up the price such as accidents, traffic tickets, and poor credit history can be amended by making minor driving habit or lifestyle changes.
- Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from one company like Progressive or Allstate, while independent agents can provide prices for a wide range of insurance providers. Find a Pittsburgh insurance agent
- Compare the quotes to your current policy to see if a cheaper price is available in Pittsburgh. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
- Tell your current agent or company to cancel your existing policy. Submit the signed application along with the required initial payment to the new company. As soon as you can, safely store the proof of insurance paperwork along with the vehicle’s registration papers.
An important note is to try to use identical limits and deductibles on each price quote and and to get quotes from as many companies as possible. Doing this provides a fair price comparison and the best rate selection.
If you have a policy now or just want cheaper coverage, take advantage of these tips to get lower rates while maintaining coverages. Locating the best rates in Pittsburgh can initially seem challenging. Consumers just need to learn the quickest method to compare rates from many different companies online.
The companies in the list below offer quotes in Pennsylvania. If you want the best auto insurance in Pittsburgh, it’s a good idea that you click on several of them to get a more complete price comparison.
Lower-cost Pittsburgh auto insurance rates with discounts
Buying auto insurance is not cheap, but companies offer discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically at the time you complete a quote, but a few need to be inquired about before being credited.
- Discount for Multiple Policies – When you combine your auto and homeowners insurance and place coverage with the same company you could save at least 10 to 15 percent or more.
- Own a Home – Just owning your own home may earn you a small savings since home ownership is proof that your finances are in order.
- E-sign Discounts – Some insurance companies will provide an incentive shop Pittsburgh auto insurance on the internet.
- Use Seat Belts – Forcing all vehicle occupants to fasten their seat belts can save up to 15% off the personal injury premium cost.
- Cautious Driver Discount – Safe drivers can save up to 40% or more on their Pittsburgh auto insurance quote as compared to drivers with claims.
One thing to note about discounts is that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.
The example below illustrates the difference between Jeep Patriot premium costs with and without discounts applied to the premium. The data assumes a female driver, no violations or accidents, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, claim-free, marriage, and multi-car discounts applied.
Car insurance companies that have most of the discounts above are:
If you need low cost Pittsburgh auto insurance quotes, ask every company which discounts you qualify for. Depending on the company, some discounts might not apply in your area.
Jeep Patriot coverage statistics
The data table below highlights a range of insurance rates for Jeep Patriot models. Having a better idea how auto insurance premiums are calculated can help customers make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $202 | $324 | $340 | $20 | $102 | $988 | $82 |
| Patriot Sport 4WD | $202 | $324 | $340 | $20 | $102 | $988 | $82 |
| Patriot Limited 2WD | $232 | $394 | $340 | $20 | $102 | $1,088 | $91 |
| Patriot Limited 4WD | $232 | $394 | $340 | $20 | $102 | $1,088 | $91 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in specific location information which can increase or decrease auto insurance rates substantially.
Higher deductibles save money
When shopping for auto insurance, a common question is how high should your deductibles be. The rates shown below can help show the differences in price when you choose different policy deductibles. The first data table uses a $100 deductible for comp and collision and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $246 | $420 | $330 | $20 | $98 | $1,139 | $95 |
| Patriot Sport 4WD | $246 | $420 | $330 | $20 | $98 | $1,139 | $95 |
| Patriot Limited 2WD | $284 | $512 | $330 | $20 | $98 | $1,269 | $106 |
| Patriot Limited 4WD | $284 | $512 | $330 | $20 | $98 | $1,269 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $136 | $222 | $330 | $20 | $98 | $806 | $67 |
| Patriot Sport 4WD | $136 | $222 | $330 | $20 | $98 | $806 | $67 |
| Patriot Limited 2WD | $158 | $270 | $330 | $20 | $98 | $876 | $73 |
| Patriot Limited 4WD | $158 | $270 | $330 | $20 | $98 | $876 | $73 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price information does not factor in Pittsburgh location which can alter insurance rates significantly.
Based on this data, using a $100 deductible costs about $31 more each month or $372 every year averaged for all Patriot models than buying the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 29 months between claim filings, you would probably be better off by going with a higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $100 deductibles: | $101 |
| Average monthly premium for $1,000 deductibles (subtract): | – $70 |
| Monthly savings from raising deductible: | $31 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $31 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 29 months |
An important sidenote is that raising deductibles to save money results in more money out-of-pocket when you have a physical damage claim. That will require access to more funds in the event you have to pay the higher deductible.
The illustration below illustrates how your choice of deductibles and can change Jeep Patriot premium costs for different age categories. The premiums assume a married male driver, full coverage, and no other discounts are factored in.
Safe drivers Pittsburgh pay cheaper rates
The chart below shows how violations and at-fault claims drive up Jeep Patriot yearly insurance costs for each age group. The price estimates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
Auto insurance prices based on gender
The diagram below illustrates the difference between Jeep Patriot annual premium costs for male and female drivers. The data assumes no accidents, no driving violations, full physical damage coverage, $100 deductibles, marital status is single, and no other discounts are factored in.
Can’t I compare rates from local Pittsburgh insurance agents?
Some people would prefer to have an agent’s advice and we recommend doing that Agents can help you choose the best coverages and give you someone to call. An additional benefit of comparing rate quotes online is that you can obtain cheap auto insurance quotes and still buy from a local agent. Buying from and supporting neighborhood agents is still important in Pittsburgh.
After completing this simple form, the quote information is emailed to participating agents in Pittsburgh who will gladly provide quotes to get your business. You never need to contact any agents since rate quotes are delivered to the email address you provide. If you wish to compare rates from one company in particular, don’t hesitate to go to their quote page and fill out their quote form.
Pittsburgh auto insurance agents are either independent or exclusive
When narrowing the list to find a local agent, it helps to know the two different types of agents and how they are distinctly different. Auto insurance policy providers are classified as either independent (non-exclusive) or exclusive. Either type can sell and service auto insurance coverage, but it’s good to learn why they differ since it can affect the type of agent you choose.
Independent Insurance Agents
Agents that elect to be independent do not work for one specific company so they can write business through lots of different companies and possibly get better coverage at lower prices. If premiums increase, your agent can just switch to a different company and that require little work on your part. When searching for an agent, you absolutely need to get rate quotes from at least one independent agent in order to compare the most rates.
Shown below is a partial list of independent agencies in Pittsburgh who may provide price quotes.
Casto Insurance Agency
1900 Painters Run Rd – Pittsburgh, PA 15241 – (412) 257-4300 – View Map
McIlrath Insurance Agency
4601 Clairton Blvd – Pittsburgh, PA 15236 – (412) 882-9000 – View Map
Kartsonas Agency, Inc.
421 Cochran Rd – Pittsburgh, PA 15228 – (412) 563-5900 – View Map
Exclusive Auto Insurance Agents
Exclusive insurance agents work for only one company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to compare rates from other companies so it’s a take it or leave it situation. They are usually well trained on their company’s products which helps overcome the inability to quote other rates.
Listed below are Pittsburgh exclusive agencies that are able to give price quotes.
George O’Korn – State Farm Insurance Agent
4486 Steubenville Pike – Pittsburgh, PA 15205 – (412) 921-1182 – View Map
GEICO Insurance Agent
9026 St Simon Way – Pittsburgh, PA 15237 – (412) 364-7170 – View Map
Jack Dumbaugh – State Farm Insurance Agent
1236 Grove Rd – Pittsburgh, PA 15234 – (412) 884-8100 – View Map
Finding the right auto insurance agent should include more criteria than just a low price. These are some valid questions you should ask.
- Are there any discounts that you might be missing?
- Does the agency have a current Errors and Omissions policy?
- Will the agent help in case of a claim?
- Do they write coverage based solely on cost?
- Are aftermarket or OEM parts used to repair vehicles?
- If they are an independent agency in Pittsburgh, which companies do they recommend?
- Where would glass claims be handled in Pittsburgh?
- How is replacement cost determined on your vehicle?
When should I discuss my situation with an agent?
Always keep in mind that when comparing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.
Here are some questions about coverages that may help highlight whether you would benefit from professional advice.
- Do I need added coverage for expensive stereo equipment?
- How does medical payments coverage work?
- What is the difference between comprehensive and collision coverage?
- Which companies will insure high-risk drivers?
- What are the financial responsibility laws in my state?
- Do I need medical payments coverage since I have good health insurance?
- Do I get a pro-rated refund if I cancel my policy early?
- When would I need additional glass coverage?
- What vehicles should carry emergency assistance coverage?
If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.
Insurance Price Influencing Factors
Many things are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but other criteria are more obscure such as whether you are married or your financial responsibility.
- City traffic equals higher premiums – Residing in a rural area may provide you with better prices when talking about car insurance. People who live in big cities have to deal with much more traffic and a longer drive to work. Less people corresponds to lower accident rates in addition to lower liability claims.
- Cheap car insurance rates for being claim-free – If you’re an insured who likes to file claims you can definitely plan on either higher rates or even cancellation. Car insurance companies in Pennsylvania award the best rates to insureds who do not file claims often. Auto insurance is intended to be relied upon for larger claims.
- Cheaper rates with safer cars – Vehicles that have high safety ratings are cheaper to insure. The safest vehicles have better occupant injury protection and reduced instances of injuries means less claims paid which can mean better rates for you.
- Decrease prices by maintaining coverage – Having a lapse in insurance coverage will be a sure-fire way to bump up your car insurance costs. In addition to paying higher premiums, failure to provide proof of insurance can result in fines and jail time.
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Performance affects costs – The performance of the vehicle you are insuring makes a significant difference in determining your rates. Lower cost passenger cars generally have the cheapest insurance rates, but the final cost of insurance is determined by many other factors.
The data below uses these assumptions: married male driver age 50, full coverage with $500 deductibles, and no discounts or violations. The chart compares Jeep Patriot insurance rates compared to other vehicles that have a range of performance rating factors.
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Insurance loss probability for a Jeep Patriot – Insurers use past insurance losses to determine a rate that will be profitable for them. Models that the statistics show to have higher prevalence or dollar amount of losses will cost more for specific coverages.
The data below shows the historical loss data for Jeep Patriot vehicles. For each policy coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is considered to be 100. Numbers below 100 suggest losses that are better than average, while numbers that are greater than 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.
Jeep Patriot Insurance Claim Statistics 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 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Three main reasons to buy auto insurance
Despite the potentially high cost of Jeep Patriot insurance, buying auto insurance may be mandatory for several reasons.
- The majority of states have mandatory insurance requirements which means state laws require a specific level of liability if you want to drive legally. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Jeep has a lienholder, almost all lenders will make it a condition of the loan that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank may insure your Jeep at a much higher rate and make you pay for it.
- Insurance protects not only your car but also your assets. It will also reimburse you for many types of medical costs for yourself as well as anyone injured by you. Liability coverage also covers legal expenses in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of having auto insurance more than cancel out the cost, particularly when you have a large claim. Despite what companies tell you, the average driver is currently overpaying as much as $865 each year so shop around at every policy renewal to make sure the price is not too high.
One last thing about your coverage
When searching for affordable Pittsburgh auto insurance quotes, it’s not a good idea to buy poor coverage just to save money. In many instances, an insured dropped uninsured motorist or liability limits and discovered at claim time that it was a big mistake. Your goal should be to buy enough coverage at the best possible price, not the least amount of coverage.
Drivers leave their current company for many reasons like high prices, poor customer service, lack of trust in their agent and even not issuing a premium refund. It doesn’t matter what your reason, finding the right car insurance provider is not as difficult as it may seem.
Affordable Jeep Patriot insurance in Pittsburgh is definitely available on the web and also from your neighborhood Pittsburgh agents, so you need to quote Pittsburgh auto insurance with both in order to have the best chance of saving money. Some car insurance companies may not offer price quotes online and usually these smaller providers only sell coverage through independent insurance agents.
To learn more, take a look at the articles below:
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Who Has Affordable Auto Insurance for Drivers Requiring a SR22 in Pittsburgh? (FAQ)
- What Insurance is Cheapest for Low Mileage Drivers in Pittsburgh? (FAQ)
- What Car Insurance is Cheapest for 17 Year Olds in Pittsburgh? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Teen Driver Licensing Information (iihs.org)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)