Paying more affordable premium rates for Jeep Patriot insurance in Las Vegas is nearly impossible for beginners to online price comparisons. People have so many different companies and agents to choose from that it can quickly become more work than you anticipated to find the best premium rates.
A study showed that a large majority of drivers have stayed with the same insurance company for a minimum of four years, and just short of a majority have never compared rates to find cheaper insurance. The average driver in the United States can save approximately 46.5% each year, but they feel it's too difficult to find cheaper insurance rates.
It's a good idea to get comparison quotes quite often because insurance prices are variable and change quite frequently. Just because you had the best price on Jeep Patriot insurance in Las Vegas six months ago the chances are good that you can find a lower rate quote today. Forget all the misinformation about insurance because you're going to get a crash course in one of the easiest ways to save on insurance.
If you are insured now, you will surely be able to find the best rates using the techniques presented in this article. Quoting and comparing the best protection in Las Vegas is not as difficult as people think. But Nevada consumers do need to learn the way companies charge you for coverage and use this information to your advantage.
Just remember that getting more free quotes helps locate a lower rate.
The companies shown below are our best choices to provide price comparisons in Nevada. If multiple companies are listed, we suggest you visit several of them in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Patriot Sport 2WD||$126||$238||$372||$22||$112||$870||$73|
|Patriot Sport 4WD||$142||$256||$416||$24||$124||$962||$80|
|Patriot Limited 2WD||$190||$372||$372||$22||$112||$1,068||$89|
|Patriot Limited 4WD||$204||$394||$324||$20||$96||$1,038||$87|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in vehicle location which can lower or raise coverage prices noticeably.
Safe drivers pay less for auto insurance
The illustration below highlights how speeding tickets and accident claims can raise Jeep Patriot car insurance rates for each age group. The costs are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.
Impact of age and gender on auto insurance rates
The information below illustrates the comparison of Jeep Patriot premium costs for male and female drivers. The data assumes a clean driving record, no at-fault accidents, full coverage, $500 deductibles, drivers are not married, and no other discounts are factored in.
The illustration below demonstrates how deductible levels and can raise or lower Jeep Patriot insurance costs for different categories of driver ages. The information is based on a single male driver, full coverage, and no discounts are factored in.
Choosing the best Patriot insurance in Nevada is an important decision
Despite the high insurance cost for a Jeep Patriot in Las Vegas, insurance is required for several reasons.
First, the majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability if you drive a vehicle. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your Jeep Patriot has a lienholder, it's guaranteed your bank will force you to have insurance to guarantee their interest in the vehicle. If you default on your policy, the bank may buy a policy for your Jeep at a more expensive rate and require you to reimburse them the higher price.
Third, insurance preserves both your Jeep Patriot and your assets. It also can pay for medical bills for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are sued as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of carrying enough insurance outweigh the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is overpaying over $800 each year so you should quote rates at every renewal to save money.
Auto insurance policy discounts for Jeep Patriot insurance in Las Vegas
Insurance can cost an arm and a leg, but you might already qualify for some discounts that many people don't even know exist. Many of these discounts will be applied automatically at the time of purchase, but a few must be asked about prior to getting the savings.
- Discount for New Cars - Buying a new car model can save up to 30% because newer vehicles keep occupants safer.
- Seat Belt Usage - Drivers who require all occupants to buckle up before driving may be able to save a few bucks off the personal injury premium cost.
- Good Student Discount - Excelling in school can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
- Early Payment Discounts - If you pay your entire premium ahead of time instead of making monthly payments you may have a lower total premium amount.
- Low Miles Discount - Maintaining low annual mileage could be rewarded with discounted rates on garaged vehicles.
Remember that most credits do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates it's possible to get free car insurance, it just doesn't work that way.
Some companies that may have most of these discounts include:
Double check with each insurance company which discounts you qualify for. Some of the earlier mentioned discounts may not apply in Las Vegas. To view insurers that offer the discounts shown above in Las Vegas, click this link.
Insurance agent or online?
Some consumers prefer to sit down with an agent and that is recommended in a lot of cases A good thing about getting online price quotes is you can get cheap rate quotes and still have an agent to talk to. And providing support for local agents is important especially in Las Vegas.
To make it easy to find an agent, after completing this simple form, the coverage information is emailed to local insurance agents that give free quotes and help you find cheaper coverage. You don't have to find an agent due to the fact that quote results will go immediately to your email address. You'll get the best rates without having to waste a lot of time. In the event you want to get a rate quote from a specific auto insurance provider, feel free to navigate to their website to submit a rate quote request.
Different types of Las Vegas auto insurance agents
If you want to use an insurance agent, it's helpful to know the different types of agents and how they function. Auto insurance policy providers are either independent or exclusive depending on the company they work for.
Independent Auto Insurance Agents
Independent agencies can sell policies from many different companies so they can quote policies through many companies and possibly get better coverage at lower prices. To move your coverage to a new company, an independent agent can move your coverage and you don't have to do anything. When comparison shopping, it's a good idea to include a few independent agents so that you can do a thorough price comparison. Many can place coverage with lesser-known insurance companies that may have much lower rates than larger companies.
Below is a list of independent agents in Las Vegas that may be able to give free auto insurance rate quotes.
- Safeguard Insurance LLC
5225 S Durango Dr - Las Vegas, NV 89113 - (702) 638-0022 - View Map
- Red Rock Insurance
1958 Village Center Cir #5 - Las Vegas, NV 89134 - (702) 733-0330 - View Map
- Balsiger Insurance
3481 E Sunset Rd #100 - Las Vegas, NV 89120 - (702) 220-8640 - View Map
Agents that choose to be exclusive are contracted to one company such as Allstate, AAA, Farmers Insurance, and State Farm. They usually cannot give you multiple price quotes so you need to shop around if the rates are high. They receive extensive training on sales techniques and that enables them to sell even at higher rates. Consumers sometimes purchase coverage from exclusives primarily because of the prominent brand name and solid financial strength.
The following are exclusive insurance agents in Las Vegas that are able to give rate quotes.
- Andy Ballagh - State Farm Insurance Agent
7455 W Azure Dr Suite 110 - Las Vegas, NV 89130 - (702) 562-7504 - View Map
- David Habart - State Farm Insurance Agent
2035 Village Center Cir #100 - Las Vegas, NV 89134 - (702) 851-2400 - View Map
- State Farm Insurance: Nancy Kim
2213 Paradise Rd - Las Vegas, NV 89104 - (702) 685-4888 - View Map
Finding a good insurance agent shouldn't rely on just the premium amount. Any agent in Las Vegas should be forthright in answering these questions:
- Will the agent or a CSR service your policy?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Which companies do they recommend if they are an independent agency?
- Does the agency have a positive business rating?
- Do they specialize in personal lines auto insurance in Las Vegas?
- Which companies can they place coverage with?
- Are they able to provide referrals?
- Are they in the agency full-time?
Situations that may require an agent's advice
When quoting and comparing the best car insurance coverage, there is no "perfect" insurance plan. Every situation is different.
Here are some questions about coverages that may help highlight if you would benefit from professional advice.
- Is my ex-spouse still covered by my policy?
- Do I need PIP (personal injury protection) coverage in Nevada?
- How much can I save by bundling my policies?
- Should I buy only the required Nevada minimum liability coverage?
- Should I bundle my homeowners policy with my auto?
- What is no-fault insurance?
If you don't know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form.
Car insurance coverages explained
Learning about specific coverages of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.
Auto liability insurance
This coverage can cover damages or injuries you inflict on other's property or people by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 15/30/10 which means $15,000 in coverage for each person's injuries, a total of $30,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers things like medical services, bail bonds, funeral expenses and emergency aid. How much liability should you purchase? That is up to you, but it's cheap coverage so purchase as high a limit as you can afford. Nevada state law requires minimum liability limits of 15/30/10 but you should think about purchasing more coverage.
Comprehensive car insurance
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like fire damage, falling objects, damage from a tornado or hurricane, vandalism and hitting a deer. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle's damage.
Since a lot of drivers carry very low liability coverage limits (Nevada limits are 15/30/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are set the same as your liability limits.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance kick in for expenses like rehabilitation expenses, dental work, funeral costs and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay
This coverage covers damage to your Patriot caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as crashing into a ditch, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It's also possible to raise the deductible on your Patriot to bring the cost down.
Smart shoppers get results
You just learned a lot of ways to reduce Jeep Patriot insurance premium rates online in Las Vegas. It's most important to understand that the more times you quote, the better your comparison will be. You may even be surprised to find that the most savings is with some of the smallest insurance companies.
Some insurance companies do not provide online rate quotes and usually these regional carriers only sell through independent agencies. Lower-priced Jeep Patriot insurance in Las Vegas can be found both online as well as from independent agents in Las Vegas, so compare prices from both to have the best chance of lowering rates.
Consumers switch companies for any number of reasons including not issuing a premium refund, lack of trust in their agent, extreme rates for teen drivers and even delays in responding to claim requests. Whatever your reason, finding a great new company is not as difficult as it may seem.
Additional information is available on the following sites:
- Should I Buy a New or Used Car? (Allstate)
- What Insurance is Cheapest for Lyft Drivers in Nevada? (FAQ)
- Who Has Affordable Auto Insurance for Teachers in Nevada? (FAQ)
- How Much are Nevada Car Insurance Quotes for Low Income Drivers? (FAQ)
- What Auto Insurance is Cheapest for Unemployed Drivers in Nevada? (FAQ)
- Who Has the Cheapest Nevada Car Insurance Quotes for a Mazda CX-7? (FAQ)
- Prom Night Tips for Teen Drivers (State Farm)
- State Car Insurance Guides (GEICO)
- Speed and Speed Limit FAQ (iihs.org)
- Red Light Cameras (State Farm)