It takes a little time, but the best way to get affordable Jeep Patriot insurance in Santa Ana is to compare quotes once a year from insurers in California. Prices can be compared by following these steps.
First, read about how your policy works and the measures you can control to keep rates low. Many rating criteria that drive up the price like accidents, traffic tickets, and a poor credit rating can be amended by making minor changes in your lifestyle.
Second, request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agencies can give you price quotes for a wide range of companies. View prices
Third, compare the new rate quotes to the premium of your current policy and determine if cheaper Patriot coverage is available. If you find a better price, make sure coverage is continuous and does not lapse.
An important note is to use identical coverages on every quote request and and to compare all possible companies. This ensures the most accurate price comparison and a complete rate analysis.
Statistics show that a large majority of drivers in California kept their coverage with the same insurance company for over three years, and nearly 40% of drivers have never quoted insurance rates at all. Drivers in the United States could save approximately $860 every year by just comparing quotes, but they underestimate the actual amount they would save if they bought a different policy.
Finding the most affordable insurance in Santa Ana is not as difficult as people think. If you are already insured or want to find a cheaper company, you can use these techniques to cut your premiums while maintaining coverages. You just need to understand the most time-saving way to buy insurance on the web.
Best companies for Jeep Patriot insurance
The providers in the list below have been selected to offer quotes in California. If the list has multiple companies, it's highly recommended you visit two to three different companies to find the cheapest auto insurance rates.
Rates and statistics
The price information displayed below showcases estimates of coverage prices for Jeep Patriot models. Knowing how policy rates are calculated can be useful when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $158 | $292 | $500 | $30 | $150 | $1,130 | $94 |
| Patriot Sport 4WD | $158 | $292 | $500 | $30 | $150 | $1,130 | $94 |
| Patriot Limited 2WD | $182 | $354 | $500 | $30 | $150 | $1,216 | $101 |
| Patriot Limited 4WD | $182 | $354 | $500 | $30 | $150 | $1,216 | $101 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price information does not factor in vehicle garaging location which can raise or lower coverage rates significantly.
Choosing deductibles
The hardest decision when buying coverage is which deductible level should you buy. The figures shown below outline the differences in premium rates between low and high physical damage coverage deductibles. The first price estimate table uses a $100 deductible for physical damage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Patriot Sport 4WD | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Patriot Limited 2WD | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Patriot Limited 4WD | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $242 | $382 | $442 | $26 | $132 | $1,224 | $102 |
| Patriot Sport 4WD | $242 | $382 | $442 | $26 | $132 | $1,224 | $102 |
| Patriot Limited 2WD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Patriot Limited 4WD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in specific location information which can impact price quotes considerably.
We can estimate from the data above that using a $100 deductible will cost you roughly $27 more each month or $324 each year averaged for all Patriot models than quoting the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally average more than 15 months between claim filings, you would most likely save money if you choose a higher deductible.
The example below demonstrates how deductible levels and can raise or lower Jeep Patriot insurance prices for each different age category. Data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Careless driving habits raise car insurance rates
The example below demonstrates how citations and accidents can influence Jeep Patriot premium costs for each different age category. Data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
Car insurance cost for men versus women
The diagram below shows the comparison of Jeep Patriot insurance prices for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are not married, and no other discounts are factored in.
Comparison of full coverage and liability-only policies
The information below shows the difference between Jeep Patriot premium costs with full coverage compared to only the California minimum liability coverage. Data assumes no violations or claims, $1,000 deductibles, drivers are not married, and no other discounts are factored in.
Should you be buying full coverage?
There isn't a written rule for dropping physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let's say your Jeep Patriot claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after the deductible is paid. If premium cost is more than $800 annually for physical damage coverage, then you may want to consider only buying liability coverage.
There are a few cases where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Cheaper Santa Ana car insurance rates with discounts
The cost of insuring your cars can be expensive, but you may find discounts that can drop the cost substantially. A few discounts will be applied at the time you complete a quote, but once in a while a discount must be inquired about before you will receive the discount.
- Passive Restraints - Cars that have air bags may qualify for discounts of up to 25% or more.
- Telematics Devices - Insureds that choose to allow their insurance company to analyze their driving habits by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they have good driving habits.
- Payment Discounts - By paying your entire bill at once rather than paying in monthly installments you may reduce your total bill.
- Anti-lock Brake System - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more on Patriot insurance in Santa Ana.
- Discounts for Cautious Drivers - Drivers who avoid accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
Just know that many deductions do not apply to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, it just doesn't work that way. But any discount will bring down your premiums.
The information below compares Jeep Patriot insurance premiums with and without discounts. The costs are based on a female driver, no claims or driving violations, California 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 marriage, homeowner, multi-car, safe-driver, claim-free, and multi-policy discounts applied.
If you would like to choose from a list of car insurance companies who offer cheap Jeep Patriot insurance quotes in Santa Ana in California, follow this link.
Why Informed Drivers Pay Less for Jeep Patriot Insurance
A large part of saving on car insurance is knowing the rating factors that are used to determine the rates you pay for car insurance. If you understand what controls the rates you pay, this helps enable you to make changes that could help you find big savings. Many different elements are taken into consideration when quoting car insurance. Some are obvious such as your driving history, but other criteria are less obvious like your vehicle usage or your commute time.
Lower rates for safer vehicles - Safer cars tend to be cheaper to insure. These vehicles protect occupants better and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If the Jeep Patriot earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
Drive a fast car and pay more - The type of car you drive makes a significant difference in your rates. The cheapest insurance rates are for lower cost passenger vehicles, but your final cost has many other factors.
The following chart uses these assumptions: married female driver age 50, full coverage with $100 deductibles, and no discounts or violations. It compares Jeep Patriot policy rates compared to other vehicles that have a range of risk factors.
Pay lower premiums after the wedding - Having a spouse helps lower the price when buying car insurance. Having a spouse generally demonstrates drivers are less irresponsible and insurance companies like that married drivers tend to have fewer serious accidents.
More stress means more cost - Did you know your job can affect your rates? Jobs such as fire fighters, airline pilots, and stock brokers usually pay higher premiums than the average policyholder in part from high stress and lengthy work days. Other professions such as scientists, students and the unemployed have the lowest average rates.
Your location is important - Living in small towns and rural areas is a good thing when shopping for auto insurance. City drivers regularly have congested traffic and more severe claims. Fewer drivers corresponds to lower accident rates as well as less vandalism and auto theft.
Never let your car insurance policy lapse - Letting your insurance expire will be a fast way to increase your rates. Not only will you pay more, being ticketed for driving with no insurance may earn you a fine, jail time, or a revoked license.
Your car's features help determine premiums - Choosing a vehicle with a theft deterrent system can earn a premium discount. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all aid in stopping your vehicle from being stolen.
Insurance losses for a Jeep Patriot - Car insurance companies analyze past claim statistics when they calculate premium rates for each model. Models that tend to have higher loss trends will have higher rates for specific coverages. The next table illustrates the historical loss data for Jeep Patriot vehicles.
For each policy coverage, the claim probability for all vehicles, regardless of make or model, equals 100. Numbers that are below 100 indicate better than average losses, while numbers above 100 point to more losses or tendency to have higher 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
When should I talk to an insurance agent?
A small number of people still like to buy from a licensed agent and that is OK! Agents can answer important questions and give you someone to call. The best thing about comparing rate quotes online is that you can find cheaper premium rates and still buy from a local agent. And providing support for small agencies is still important in Santa Ana.
For easy comparison, once you complete this quick form, your information gets sent to local insurance agents that provide free Santa Ana auto insurance quotes for your business. You never need to contact any insurance agencies since price quotes are sent to your email. If you have a need to get a comparison quote from a specific company, feel free to jump over to their website and give them your coverage information.
If you would like to find a local Santa Ana insurance agency, you need to know there are two different types of agents and how they operate. Agents are classified as either independent agents or exclusive agents. Both can sell auto insurance policies, but it's important to know how they differ since it can affect which agent you choose.
Independent Agencies or Brokers
Independent agencies are not required to write business for one company so they have the ability to put coverage with a variety of different insurance companies and possibly get better coverage at lower prices. If they quote lower rates, your policy is moved internally and that require little work on your part. When comparison shopping, you should always get insurance quotes from several independent agencies to have the most options to choose from. Most also have access to companies that do not advertise much that many times have cheaper rates.
Below is a short list of independent agencies in Santa Ana who may provide free rate quotes.
- Santa Ana Insurance
1331 W 1st St #101 - Santa Ana, CA 92703 - (714) 953-9341 - View Map - Mural Insurance Agency
1202 17th St #103 - Santa Ana, CA 92701 - (714) 541-1003 - View Map - Everett Callahan Insurance Agency, Inc
1913 17th St - Santa Ana, CA 92705 - (714) 246-8976 - View Map
Exclusive Auto Insurance Agencies
Exclusive agents write business for a single company like State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to place coverage with different providers so they really need to provide good service. They are well trained on the products they sell which aids in selling service over price. Consumers often choose to use an exclusive agent mostly because of loyalty to the company and strong financial ratings.
Listed below is a short list of exclusive insurance agents in Santa Ana who can help you get comparison quotes.
- Farmers Insurance Agency: Blake Robbins
3611 S Harbor Blvd #200 - Santa Ana, CA 92704 - (417) 263-1934 - View Map - Kelly Davis - State Farm Insurance Agent
2677 N Main St #150 - Santa Ana, CA 92705 - (714) 647-6303 - View Map - Monica Drevon - State Farm Insurance Agent
3740 S Bristol St - Santa Ana, CA 92704 - (714) 966-2679 - View Map
Finding a good car insurance agent needs to be determined by more than just the quoted price. Get answers to these questions too.
- How experienced are they in personal risk management?
- Do they regularly work with personal auto policies in Santa Ana?
- Is the coverage adequate for your vehicle?
- Do you qualify for any additional discounts?
- Can you get a list of referrals?
- How are they compensated?
- How long has their agency been open in Santa Ana?
In the end, you can save money
Lower-priced car insurance in Santa Ana is definitely available both online and also from your neighborhood Santa Ana agents, so you need to shop Santa Ana auto insurance with both in order to have the best price selection to choose from. There are still a few companies who may not provide price quotes online and most of the time these regional insurance providers sell through independent agents.
People leave their current company for any number of reasons including questionable increases in premium, not issuing a premium refund, lack of trust in their agent or even denial of a claim. Whatever your reason, switching companies can be pretty painless.
You just read many ways to save on Jeep Patriot insurance in Santa Ana. It's most important to understand that the more rate comparisons you have, the better your comparison will be. You may even find the biggest savings come from the smaller companies.
Other articles
- Winter Driving (Insurance Information Institute)
- Who Has Cheap Santa Ana Auto Insurance for 18 Year Olds? (FAQ)
- How Much is Santa Ana Auto Insurance for Drivers Over Age 70? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- What is Gap Insurance? (Insurance Information Institute)