Anyone knows that car insurance companies want to prevent you from shopping around. Drivers who compare rates at least once a year will most likely switch companies because of the good chance of finding a more affordable policy. A recent car insurance study revealed that consumers who compared rates regularly saved on average $70 a month as compared to drivers who never shopped for cheaper rates.
If finding the lowest price for car insurance in Baltimore is your ultimate target, then having some knowledge of the best ways to shop for insurance premiums can help you be more efficient.
If you want to save the most money, the best way to get affordable car insurance rates is to do a yearly price comparison from different companies that sell auto insurance in Baltimore.
Step 1: Read about coverages and the things you can change to keep rates down. Many rating criteria that increase rates such as accidents, traffic violations, and a less-than-favorable credit score can be remedied by making lifestyle changes or driving safer. Continue reading for information to help keep prices low and get additional discounts that may have been overlooked.
Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO and Allstate, while agents who are independent can provide prices from multiple sources.
Step 3: Compare the quotes to your existing coverage to determine if you can save on Patriot insurance. If you find a better price and change companies, make sure there is no coverage gap between policies.
Step 4: Provide written notification to your current company of your intent to cancel the current policy and submit a signed application and payment for your new policy. Once the application is submitted, put the proof of insurance paperwork with the vehicle registration.
An essential thing to point out is that you use the same level of coverage on every quote and and to analyze as many different companies as possible. Doing this guarantees an accurate price comparison and a complete price analysis.
Companies offering cheap Jeep Patriot prices in Baltimore, MD
The companies in the list below are ready to provide quotes in Maryland. If your goal is to find cheap auto insurance in Baltimore, MD, we suggest you visit as many as you can in order to find the most competitive rates.
Jeep Patriot coverage analysis
The rate table shown below outlines detailed analysis of rate quotes for Jeep Patriot models. Learning how auto insurance premiums are formulated can assist in making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $174 | $298 | $390 | $24 | $116 | $1,002 | $84 |
| Patriot Sport 4WD | $174 | $298 | $390 | $24 | $116 | $1,002 | $84 |
| Patriot Limited 2WD | $198 | $362 | $390 | $24 | $116 | $1,090 | $91 |
| Patriot Limited 4WD | $198 | $362 | $390 | $24 | $116 | $1,090 | $91 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in vehicle garaging location which can influence insurance rates noticeably.
Analysis of deductible levels
One common question asked by Baltimore drivers is where to set your physical damage deductibles. The comparison tables below approximate the difference in cost when you choose different deductibles. The first data table uses a $250 comprehensive and collision deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $274 | $434 | $406 | $24 | $122 | $1,285 | $107 |
| Patriot Sport 4WD | $274 | $434 | $406 | $24 | $122 | $1,285 | $107 |
| Patriot Limited 2WD | $314 | $528 | $406 | $24 | $122 | $1,419 | $118 |
| Patriot Limited 4WD | $314 | $528 | $406 | $24 | $122 | $1,419 | $118 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $222 | $350 | $406 | $24 | $122 | $1,124 | $94 |
| Patriot Sport 4WD | $222 | $350 | $406 | $24 | $122 | $1,124 | $94 |
| Patriot Limited 2WD | $256 | $426 | $406 | $24 | $122 | $1,234 | $103 |
| Patriot Limited 4WD | $256 | $426 | $406 | $24 | $122 | $1,234 | $103 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in your specific Baltimore location which can increase or decrease prices significantly.
We can derive from the above data that using a $250 deductible will cost in the ballpark of $14 more each month or $168 each year across all Jeep Patriot models than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at least 18 months between claims, you would save more money going with the higher deductible.
The illustration below illustrates how your deductible choice and can affect Jeep Patriot insurance premiums for each different age group. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
Jeep Patriot insurance rates: Men versus women
The chart below illustrates the comparison of Jeep Patriot insurance costs for male and female drivers. The rate quotes are based on no claims or driving citations, comp and collision included, $1,000 deductibles, marital status is single, and no other discounts are factored in.
Cheap Jeep Patriot insurance in Baltimore
Auto insurance companies do not list their entire list of discounts in an easy-to-find place, so the following is a list of some of the best known in addition to some of the lesser obvious credits available to you.
- Discount for Low Mileage – Keeping the miles down on your Jeep may enable drivers to earn slightly better rates than normal.
- Buy New and Save – Adding a new car to your policy can be considerably cheaper because newer models are generally safer.
- Baltimore Homeowners Discount – Owning a home in Baltimore can save a few bucks because it requires a higher level of personal finance.
- One Accident Forgiven – Not a discount per se, but a few companies such as Progressive, Allstate, and Liberty Mutual will forgive one accident before they charge you more for coverage if your claims history is clear for a specific time period.
- Life Insurance Discount – If the company offers life insurance, you could get lower prices if you buy a life policy as well.
- Claim Free – Drivers with accident-free driving histories have much lower rates in comparison with drivers with a long claim history.
- Good Student – Excelling in school could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.
- Policy Bundle Discount – If you have multiple policies with the same company you may earn at least 10% off all policies.
- Driver Safety – Taking part in a defensive driving course may get you a small discount if your company offers it.
It’s important to note that most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will definitely reduce your overall premium however.
The diagram below illustrates the comparison of Jeep Patriot car insurance rates with and without discounts applied. The data assumes a male driver, no claims, a clean driving record, Maryland 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 marriage, safe-driver, claim-free, homeowner, multi-car, and multi-policy discounts applied.
Insurance companies who may offer most of these discounts possibly include:
If you are trying to find low cost Baltimore auto insurance quotes, ask every prospective company which discounts they offer. Some discounts listed above may not be available in Baltimore.
How do Insurers Determine Jeep Patriot Insurance Costs?
Lots of factors are part of the equation when quoting car insurance. Some factors are common sense like a motor vehicle report, although some other factors are not as apparent like your vehicle usage or your financial responsibility.
The itemized list below are a few of the things companies use to determine your rates.
Safer cars means better auto insurance rates – Vehicles with high crash test scores cost less to insure. Safe vehicles reduce the chance of injuries and lower injury rates means your insurance company pays less and more competitive rates for policyholders.
Do you really need the incidental coverages? – There are a lot of additional extra coverages that you can get tricked into buying if you aren’t careful. Coverage for things like personal injury protection, towing coverage, and term life insurance may be wasting your money. These may sound like a good investment when discussing your needs, but now you might not need them so eliminate the coverages to reduce your premium.
Decrease rates by maintaining coverage – Driving without insurance is against the law and as a result your rates will increase for letting your coverage lapse. Not only will you pay more, the inability to provide proof of insurance may result in fines or a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with the Maryland department of motor vehicles.
Use one insurance company and save – Most larger auto insurance companies give lower prices to policyholders who consolidate policies with them such as combining an auto and homeowners policy. If you currently are using one company, drivers will still want to comparison shop to verify if the discount is saving money. It’s possible to still find better rates even if you insure with multiple companies
Insurance loss data for Jeep Patriot vehicles – Companies include the past claim trends for vehicles to help determine the price you pay. Models that the data determines to have higher loss trends will have higher premium rates. The table below outlines the collected loss data for Jeep Patriot vehicles.
For each policy coverage type, the claim amount for all vehicles combined as an average is a value of 100. Numbers that are below 100 imply a favorable loss record, while values that are 100 or greater indicate a higher chance of having a claim or a tendency for losses to be larger than average.
| Vehicle 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 |
Statistics from IIHS.org for 2013-2015 Model Years
Do I need an agent?
Certain consumers would prefer to talk to a local agent and that is recommended in a lot of cases One of the best bonuses of comparing rate quotes online is you can get cheap insurance rates but also keep your business local. Buying from neighborhood agents is definitely important in Baltimore.
To make it easy to find an agent, after completing this short form, your insurance coverage information is submitted to agents in your area who will give you quotes and help you find cheaper coverage. You never need to leave your computer due to the fact that quote results will go directly to you. You can find lower rates and a licensed agent to talk to. If you have a need to get a comparison quote from a specific insurance company, you would need to find their quoting web page to submit a rate quote request.
If you are wanting to purchase insurance from a reliable agent, it can be helpful to understand the different agency structures and how they operate. Insurance agencies can be categorized as either exclusive or independent.
Independent Agencies or Brokers
Agents of this type do not work for one specific company and that allows them to write policies with a variety of different insurance companies and find the cheapest insurance rates. If they find a lower price, your agent can switch companies and you don’t have to switch agencies.
If you are trying to find cheaper rates, we highly recommend that you contact a few independent agents to get the most accurate price comparison. Most also write with companies you’ve never heard of which could offer lower prices.
Shown below is a list of independent agencies in Baltimore that may be able to give rate quotes.
- Nationwide Insurance: Rodgers Insurance Agency Inc
6800 Holabird Ave a – Baltimore, MD 21222 – (410) 282-1379 – View Map - Hill Point Insurance LLC
1400 S Charles St – Baltimore, MD 21230 – (410) 779-9272 – View Map - Rosasco and Yetter Insurance Agency
8831 Satyr Hill Rd #302 – Baltimore, MD 21234 – (410) 661-1440 – View Map
Exclusive Insurance Agents
Exclusive agencies normally can only provide a single company’s rates such as Allstate, State Farm and Farmers Insurance. They are unable to compare rates from other companies so you might not find the best rates. Exclusive insurance agents are well schooled on their company’s products and that allows them to sell at a higher price point. Many people buy from the same agent for years partially due to the brand name and the convenience of having a single billing for all their coverages.
Shown below is a short list of exclusive insurance agents in Baltimore who can help you get rate quotes.
- Raul Braun – State Farm Insurance Agent
8609 Old Harford Rd – Baltimore, MD 21234 – (410) 663-3100 – View Map - Allstate Insurance Agency: Abernathy Michael
7696 Belair Rd – Baltimore, MD 21236 – (410) 426-5500 – View Map - Allstate Insurance: Donald White
733 W 40th St #311 – Baltimore, MD 21211 – (410) 467-9600 – View Map
Picking the best car insurance agent is decision based upon more than just a cheap price quote. These questions are important to ask:
- Are you getting all the discounts the company offers?
- Which family members are covered?
- Are they involved in claim handling?
- Can they provide you with a list of referrals?
- Do they make recommendations based only on price?
Final considerations
While you’re price shopping online, you should never buy less coverage just to save a little money. There have been many situations where someone sacrificed liability limits or collision coverage only to regret they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.
Drivers leave their current company for many reasons like not issuing a premium refund, policy cancellation, extreme rates for teen drivers and even poor customer service. Whatever your reason, finding a great new company is less work than it seems.
More affordable insurance in Baltimore is attainable both online and from local agencies, so you need to shop Baltimore auto insurance with both to have the best chance of lowering rates. Some insurance providers do not provide internet price quotes and these regional insurance providers provide coverage only through local independent agencies.
More tips and info about insurance can be read in the articles below:
- Child Safety FAQ (iihs.org)
- How Much is Baltimore Car Insurance for a Company Car? (FAQ)
- Who Has Affordable Baltimore Car Insurance Rates for Business Use? (FAQ)
- Auto Crash Statistics (Insurance Information Institute)
- How to shop for a safer car (Insurance Institute for Highway Safety)