Searching for lower-priced auto insurance rates in Houston, TX? Houston consumers have lots of choices when looking for the best price on Jeep Patriot insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to find the lowest rates. There is a better way to compare auto insurance rates so you’re going to learn the best way to get price quotes for your Jeep and locate the best price possible from Houston insurance agents and online providers.
You need to price shop coverage occasionally because insurance rates are adjusted regularly by insurance companies. If you had the best deal on Jeep Patriot insurance in Houston a few years ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about auto insurance because you’re about to find out the fastest and easiest way to get good coverage on Jeep Patriot insurance in Houston at a lower rate.
Locating the best insurance company for you in Houston is quite easy if you know the best way to do it. If you are insured now, you stand a good chance to be able to find the best rates using these tips. Drivers just have to use the proper methods to compare prices from many different companies.
Best companies for Jeep Patriot insurance
The companies shown below provide free rate quotes in Texas. If more than one company is shown, we recommend you get rates from several of them in order to find the most competitive rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $220 | $400 | $430 | $26 | $128 | $1,204 | $100 |
| Patriot Sport 4WD | $208 | $328 | $382 | $22 | $114 | $1,054 | $88 |
| Patriot Limited 2WD | $206 | $392 | $400 | $24 | $120 | $1,142 | $95 |
| Patriot Limited 4WD | $234 | $460 | $462 | $28 | $138 | $1,322 | $110 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price information does not factor in vehicle garaging location which can increase or decrease price quotes significantly.
Can higher deductibles save money?
One of the most common auto insurance questions is how high should the deductibles for physical damage be. The rates below lay out the cost difference when you choose different deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $256 | $408 | $382 | $22 | $114 | $1,207 | $101 |
| Patriot Sport 4WD | $256 | $408 | $382 | $22 | $114 | $1,207 | $101 |
| Patriot Limited 2WD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Patriot Limited 4WD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $158 | $256 | $382 | $22 | $114 | $932 | $78 |
| Patriot Sport 4WD | $158 | $256 | $382 | $22 | $114 | $932 | $78 |
| Patriot Limited 2WD | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Patriot Limited 4WD | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium costs do not factor in vehicle location which can increase or decrease auto insurance rates significantly.
Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $25 more each month or $300 a year than choosing the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 30 months between claim filings, you would probably save some money by selecting a higher deductible.
Illustration showing the impact of accidents and violations
The example below highlights how traffic violations and accident claims can drive up Jeep Patriot insurance premiums for different categories of driver ages. The price estimates are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
Get cheaper rates with discounts
Car insurance is easily one of your largest bills, but you might be missing out on some discounts to help offset the cost. Some of these discounts will be visible at the time of purchase, but some must be asked for before you will receive the discount.
- Driver’s Education for Students – Teen drivers should enroll and complete driver’s education in school.
- Fewer Miles Equal More Savings – Low annual miles could qualify for cheaper car insurance rates.
- Seat Belt Usage – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) off the medical payments premium.
- Multiple Cars – Insuring multiple cars or trucks on the same car insurance policy can reduce rates for all insured vehicles.
- Good Students Pay Less – Maintaining excellent grades may save as much as 25% on a Houston car insurance quote. Many companies even apply the discount to college students well after school through age 25.
A little disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like you could get a free car insurance policy, it’s just not the way it works. But any discount will cut your overall premium however.
To choose insurance companies offering car insurance discounts in Texas, click here to view.
Your situation helps dictate your coverage
When it comes to your policy, there isn’t really a perfect coverage plan. You are unique so your insurance should reflect that For example, these questions could help you determine if you would benefit from an agent’s advice.
- What is medical payments coverage?
- Is there coverage for my trailer?
- Am I covered if I crash into my own garage door?
- Should I drop comprehensive coverage on older vehicles?
- Am I covered if I hit someone who is not insured?
- Should I waive the damage coverage when renting a car?
- How much cheaper are high deductibles?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.
Are car insurance agents a thing of the past?
Some people still like to get professional advice from a licensed agent and that is a personal choice. Licensed agents can help you build your policy and help submit paperwork. The biggest benefit of price shopping on the web is the fact that drivers can get lower car insurance rates and still have a local agent.
Upon completion of this form (opens in new window), your insurance data is emailed to participating agents in Houston who will give you quotes for your insurance coverage. There is no need to visit any agencies since price quotes are sent immediately to you. If you want to get a price quote from a specific company, you can always jump over to their website and complete a quote there.
Picking an insurer should depend on more than just the price. Any agent in Houston should have no problem answering these questions:
- Do they have cheaper tiers of coverage?
- Do the coverages you’re quoting properly cover your vehicle?
- Will your rates increase after a single accident?
- Is assistance available after office hours?
- Are they giving you every discount you deserve?
- Can glass claims be handled at your home?
Exclusive and independent Houston car insurance agents
When researching a reputable agency, it’s helpful to know the types of insurance agents from which to choose. Insurance agencies are considered either exclusive agents or independent agents. Both write policy coverage, but it’s worth learning the subtle differences since it may influence the selection process.
Exclusive Insurance Agencies
Agents that elect to be exclusive generally can only insure with one company such as Farmers Insurance or State Farm. Exclusive agents cannot compare other company’s rates so they have no alternatives for high prices. These agents are usually quite knowledgeable on what they offer which can be an advantage. A lot of people buy from exclusive agents mostly because of the prominence of the brand and solid financial strength.
Below are Houston exclusive agents that are able to give rate quotes.
- Ben Speer – State Farm Insurance Agent
1110 E NASA Pkwy Ste 300 – Houston, TX 77058 – (281) 204-8282 – View Map - Linda Tuck – State Farm Insurance Agent
2402 Bay Area Blvd g – Houston, TX 77058 – (281) 488-9050 – View Map - Bob Goodwin – State Farm Insurance Agent
1616 Clear Lake City Blvd #107 – Houston, TX 77062 – (281) 486-9100 – View Map
Independent Insurance Agents
Agents that elect to be independent are normally appointed by many insurers so they can write business with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the business is moved internally and the insured can keep the same agent. If you need lower rates, we highly recommend that you check rates from a couple of independent agencies for maximum quote selection. Many write coverage with additional companies that you may not be familiar with which can be an advantage.
Below is a short list of independent insurance agencies in Houston that can give you rate quotes.
- Dean and Draper Insurance Agency, LP
3131 W Alabama St #150 – Houston, TX 77098 – (713) 527-0444 – View Map - ProTECH Insurance Agency, Inc.
#100, 3120 SW Freeway Service Rd – Houston, TX 77098 – (713) 520-1090 – View Map - Pasadena Insurance Agency, Inc.
99 Detering St #280 – Houston, TX 77007 – (713) 869-6991 – View Map
After getting satisfactory answers to any questions you may have as well as an affordable premium quote, you have narrowed it down to a car insurance agent that can adequately provide insurance.
Quote more to save more
We just covered many tips how you can save on Jeep Patriot insurance in Houston. The most important thing to understand is the more you quote Houston car insurance, the better your chances of lowering your premium rates. Drivers may even discover the biggest savings come from some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate, GEICO and Progressive.
Lower-priced Jeep Patriot insurance in Houston can be purchased on the web and from local agencies, so get free Houston car insurance quotes from both of them to get a complete price analysis. Some insurance companies may not offer online quoting and usually these smaller companies only sell through independent agencies.
To read more, feel free to browse the resources below:
- Reducing Your Risks in a Car Crash Video (iihs.org)
- What is the Cheapest Auto Insurance in Houston, TX? (FAQ)
- Who Has Cheap Car Insurance Quotes for a 20 Year Old Male in Houston? (FAQ)
- Who Has Affordable Houston Auto Insurance for a Jeep Grand Cherokee? (FAQ)
- Where can I buy Insurance? (Insurance Information Institute)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Safe Vehicles for Teens (iihs.org)
- Your Car has been Stolen: Now What? (Allstate)