Smart shoppers know that auto insurance companies don’t want you to compare rates. Drivers who do rate comparisons will, in all likelihood, switch companies because there is a good chance of finding a lower-cost company. A study showed that drivers who shopped around annually saved approximately $865 a year compared to drivers who didn’t regularly shop around.
If finding the cheapest price for car insurance in Nashville is your ultimate objective, then having a grasp of how to compare cheaper coverage can help make the process easier and more efficient.
To save the most money, the best way to save on Jeep Patriot insurance in Nashville is to compare prices at least once a year from providers in Tennessee.
- Get an understanding of individual coverages and the measures you can take to prevent expensive coverage. Many factors that drive up the price such as your driving record and an unacceptable credit rating can be improved by making minor driving habit or lifestyle changes. Keep reading for information to find cheap prices and get additional discounts that may be available.
- Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like GEICO and State Farm, while independent agencies can provide prices for a wide range of companies.
- Compare the new rate quotes to the price on your current policy and determine if there is any savings. If you can save some money and decide to switch, make sure coverage does not lapse between policies.
A valuable tip to remember is to use the same level of coverage on every quote and and to get rate quotes from as many car insurance companies as possible. Doing this guarantees the most accurate price comparison and a good representation of prices.
If you have coverage now or just want a better rate, you will benefit by learning to get lower rates and still have adequate protection. These tips will help you learn the best ways to compare prices and how to save the most money. Shoppers just need to know the proper way to shop their coverage around over the internet.
Affordable companies for Jeep Patriot insurance in Tennessee
The companies shown below are ready to provide price quotes in Nashville, TN. To locate cheap auto insurance in Nashville, we recommend you visit two to three different companies to find the lowest auto insurance rates.
Rates and detailed analysis
The premium information displayed next covers different insurance premium costs for Jeep Patriot models. Knowing how auto insurance prices are calculated helps drivers make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $92 | $162 | $272 | $16 | $82 | $624 | $52 |
| Patriot Sport 4WD | $92 | $162 | $272 | $16 | $82 | $624 | $52 |
| Patriot Limited 2WD | $106 | $196 | $272 | $16 | $82 | $672 | $56 |
| Patriot Limited 4WD | $106 | $196 | $272 | $16 | $82 | $672 | $56 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Prices do not factor in vehicle location which can modify premium rates noticeably.
Auto insurance deductibles
One common question asked by Nashville drivers is how high should the deductibles for physical damage be. The following insurance rates determine how much more rates are when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $250 deductible 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 | $194 | $310 | $288 | $18 | $86 | $921 | $77 |
| Patriot Sport 4WD | $194 | $310 | $288 | $18 | $86 | $921 | $77 |
| Patriot Limited 2WD | $224 | $376 | $288 | $18 | $86 | $1,017 | $85 |
| Patriot Limited 4WD | $224 | $376 | $288 | $18 | $86 | $1,017 | $85 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Patriot Sport 2WD | $120 | $194 | $288 | $18 | $86 | $706 | $59 |
| Patriot Sport 4WD | $120 | $194 | $288 | $18 | $86 | $706 | $59 |
| Patriot Limited 2WD | $138 | $236 | $288 | $18 | $86 | $766 | $64 |
| Patriot Limited 4WD | $138 | $236 | $288 | $18 | $86 | $766 | $64 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in specific location which can decrease or increase coverage prices considerably.
Based on the figures above, using a $250 deductible costs approximately $19 more each month or $228 every year averaged for all Patriot models than quoting 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 39 months between claim filings, you would most likely save money if you decide on a higher deductible.
The information below demonstrates how deductible levels and can influence Jeep Patriot yearly insurance costs for different age groups. Data assumes a married male driver, full coverage, and no policy discounts are applied.
Does full coverage make sense?
The diagram below illustrates the comparison of Jeep Patriot insurance costs with and without full coverage. The premiums assume no violations or claims, $1,000 deductibles, marital status is single, and no discounts are applied.
When to stop buying physical damage coverage
There is no clear-cut rule for dropping full coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let’s pretend your Jeep Patriot replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,000 after paying the physical damage deductible. If you are currently paying more than $600 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are a few situations where eliminating full coverage is not a good plan. If you still have a lienholder on your title, 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 damaged, you should not opt for liability only.
Get cheaper Jeep Patriot insurance rates in Nashville
Some insurance providers do not list every policy discount in a way that’s easy to find, so we break down some of the best known and also the more inconspicuous credits that may apply to you. If you check and find you aren’t receiving every discount possible, you’re paying more than you need to.
- ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
- Discounts for Responsible Drivers – Insureds without accidents can get discounts for up to 45% lower rates than drivers with accidents.
- Safety Course Discount – Successfully completing a safe driver class can save you 5% or more and make you a better driver.
- Club Memberships – Affiliation with qualifying clubs or civic groups could earn you a nice discount when getting a Nashville car insurance quote.
- Discount for Passive Restraints – Vehicles equipped with air bags may qualify for discounts of 25 to 30%.
- Life Insurance Discount – Larger insurance carriers have lower premium rates if you buy a life insurance policy as well.
As a footnote on discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like all those discounts means the company will pay you, car insurance companies aren’t that generous. Any qualifying discounts will definitely reduce the amount you pay for coverage.
The illustration below illustrates the comparison of Jeep Patriot insurance costs with and without discounts being applied to the rates. The information is based on a male driver, no accidents or driving violations, Tennessee state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, multi-policy, safe-driver, and marriage discounts applied.
Popular car insurance companies and some of the premium reductions they offer can be read below.
- Farm Bureau may have discounts that include multi-policy, safe driver, driver training, youthful driver, multi-vehicle, and good student.
- Liberty Mutual may offer discounts for teen driver discount, hybrid vehicle, newly married, new move discount, and new graduate.
- State Farm has savings for multiple autos, defensive driving training, Drive Safe & Save, safe vehicle, anti-theft, and Steer Clear safe driver discount.
- Auto-Owners Insurance has discounts for good student, student away at school, multiple vehicles, paid in full, anti-lock brakes, company car, and teen driver.
- GEICO may include discounts for five-year accident-free, membership and employees, daytime running lights, anti-theft, air bags, multi-vehicle, and federal employee.
- SAFECO includes discounts for multi-car, anti-lock brakes, accident prevention training, bundle discounts, and teen safe driver.
When getting free Nashville car insurance quotes, it’s a good idea to every prospective company which discounts can lower your rates. Savings might not apply in every state. For a list of insurers who offer car insurance discounts in Nashville, click here to view.
What insurance coverages do I need?
When it comes to buying adequate coverage, there isn’t really a one-size-fits-all type of policy. Your situation is unique and a cookie cutter policy won’t apply. For instance, these questions can help discover whether you might need an agent’s assistance.
- Can I rate high risk drivers on liability-only vehicles?
- Do I have coverage when using my vehicle for my home business?
- Am I covered by my spouse’s policy after a separation?
- Is my trailer covered?
- Do I pay less if my vehicle is kept in my garage?
- Can I afford to buy a different vehicle if my Jeep Patriot is totaled?
- Can I afford to pay high deductible claims out of pocket?
- Why do I have to buy liability insurance?
If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.
Local Nashville insurance agents and insurance
Some people still prefer to buy from a licensed agent and that is just fine! Good agents can answer important questions and help in the event of a claim. An additional benefit of price shopping on the web is that you can find the best rates and still have a local agent. And supporting neighborhood agents is important particularly in Nashville.
For easy comparison, once you complete this simple form, your insurance coverage information is submitted to local insurance agents in Nashville who will give you quotes for your coverage. You won’t need to leave your house since price quotes are sent immediately to you. If you need to get a price quote from a specific insurance provider, don’t hesitate to search and find their rate quote page and submit a quote form there.
When finding local Nashville agents, you need to know there are two different agency structures and how they can service your needs differently. Insurance agencies are considered either independent or exclusive. Both types can write insurance policies, but it is a good idea to know the difference in how they write coverage because it may have an impact on the selection process.
Independent Agents
These type of agents are not required to write business for one company so as a result can place your coverage with multiple insurance companies and get you the best rates possible. If prices rise, they simply move the coverage in-house and you can keep the same agent.
If you need cheaper insurance rates, you will definitely want to get several quotes from several independent agencies for the best price selection. Most can insure with smaller regional carriers which may have better rates.
Featured below is a small list of independent agencies in Nashville that may be able to provide pricing information.
- Fridrich, Pinson and Associates Insurance Agency
3825 Bedford Ave #203 – Nashville, TN 37215 – (615) 327-0105 – View Map - Manning Agency
104 Woodmont Blvd – Nashville, TN 37205 – (615) 383-6700 – View Map - Zander Insurance Group
6213 Charlotte Pike – Nashville, TN 37209 – (615) 356-1700 – View Map
Exclusive Agencies
Exclusive insurance agents can only write with one company like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to compare rates from other companies so they have no alternatives for high prices. Exclusive agencies receive extensive training on the products they sell which helps overcome the inability to quote other rates. Some people will only buy from exclusive agents mostly because of loyalty to the company rather than low rates.
Below is a short list of exclusive agencies in Nashville willing to provide price quotes.
- Mark Le Clair – State Farm Insurance Agent
5548 Franklin Pike #201 – Nashville, TN 37220 – (615) 292-9233 – View Map - Bobby Berry – State Farm Insurance Agent
703 Main St – Nashville, TN 37206 – (615) 271-2996 – View Map - Jordan Drake – State Farm Insurance Agent
345 Harrison St – Nashville, TN 37219 – (615) 826-1200 – View Map
Choosing the best insurance agent is decision based upon more than just the quoted price. Any agent in Nashville should be forthright in answering these questions:
- Are there any discounts for paying up front?
- Which company do they place the most coverage with?
- How long have they been in business?
- Do they have any clout with companies to ensure a fair claim settlement?
- Will a damage claim use OEM or aftermarket replacement parts?
- Can you use your own choice of collision repair facility?
Compare but don’t skimp
We covered a lot of tips how to find lower-cost Jeep Patriot insurance in Nashville. The most important thing to understand is the more providers you compare, the higher your chance of finding affordable Nashville car insurance quotes. Consumers could even find that the best price on insurance is with the smaller companies. Smaller companies can often provide lower car insurance rates in certain areas compared to the large companies like State Farm and Allstate.
A few companies may not offer rates over the internet and usually these smaller companies only sell coverage through independent insurance agents. Low-cost Jeep Patriot insurance in Nashville is available from both online companies as well as from insurance agents, and you need to price shop both so you have a total pricing picture.
As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. In many cases, an accident victim reduced collision coverage only to discover later they didn’t purchase enough coverage. Your goal is to find the BEST coverage at the best price, but do not sacrifice coverage to save money.
Additional detailed information is available at these sites:
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- How Much are Car Insurance Quotes for Handicapped Drivers in Nashville? (FAQ)
- Who Has Affordable Car Insurance for a Toyota Corolla in Nashville? (FAQ)
- What Auto Insurance is Cheapest for a School Permit in Nashville? (FAQ)
- Who Has Affordable Nashville Auto Insurance Quotes for a Company Car? (FAQ)
- Auto Insurance FAQ (Farmers Insurance)
- Vehicle Insurance (Wikipedia)