Hey guys (and gals), were any of you surprised at how inexpensive it was to insure your Patriot? When my insurance company sent me my packet, I was stunned to see that my wife's 2006 Forester costs more to insure than my 2012 Patriot (Both have full coverage). And actually less than my 2001 GMC pickup. The Patriot was something crazy like under $400 for the year with reasonable deductibles. Did anyone else experience this?
Insurance question
shmoeman
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Hey guys (and gals), were any of you surprised at how inexpensive it was to insure your Patriot? When my insurance company sent me my packet, I was stunned to see that my wife's 2006 Forester costs more to insure than my 2012 Patriot (Both have full coverage). And actually less than my 2001 GMC pickup. The Patriot was something crazy like under $400 for the year with reasonable deductibles. Did anyone else experience this?
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Yup, I freakin love it. 
epper:
epper:
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Really good crash scores, lots of air bags, anti theft built into the key, cheap to buy so cheap for them to replace, etc.
I drive in one of the highest rated areas in my Province...lots of animal collisions and lots of bad highway (If any of you want a nice drive do the Gold River Highway once in your life...) plus I have to be insured for driving on private roads.
Full collision, comprehensive, liability, etc. is $1,4000.
That is with a Roadstar deduction of 40%
But that gets me windshields, of which I go through about three a year, towing from anywhere in the bush, replacement vehicle no matter who is at fault, etc.
Pretty premium policy. No private insurer will do that for me, its via our government run insurer.
If it was just my personal vehicle and I was rated from my residence, not where I work, for pleasure only, its around $800...I think.
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96 Posts
Went from a '02 Forester to a '08 Patriot. Cost difference was barely noticeable, which actually means the Jeep is cheaper to insure.
Subaru parts are expensive, though I've priced out a front end hit on a Patriot and that huge bumper/grille thing isn't cheap, nor is an airbag system replacement. I'm thinking it's more that Subarus are more frequently involved in accidents than Patriots, though why that would be the case puzzles me. More Subarus, certainly, but that's not how rates are figured. Can't tell you the last time I've written an estimate on a Patriot or Compass, but do Subarus at least once a month.
Subaru parts are expensive, though I've priced out a front end hit on a Patriot and that huge bumper/grille thing isn't cheap, nor is an airbag system replacement. I'm thinking it's more that Subarus are more frequently involved in accidents than Patriots, though why that would be the case puzzles me. More Subarus, certainly, but that's not how rates are figured. Can't tell you the last time I've written an estimate on a Patriot or Compass, but do Subarus at least once a month.
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I pay 1,800.00 full coverage for a 2011 Land Rover, 2012 Jeep Patriot and a 2009 Dodge Ram 1500.
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Don't get me started with Insurance companies!! I would line them up along side lawyers and used car salesmen. I pay $1,700 a year in Toronto and I only rack up 10k km a year. You guys south of the border should consider yourselves lucky both with Insurance rates and gas prices. We here in Canada get raked over the coals. It is any wonder why people decide to drive w/o coverage!!
I would line them up along side lawyers and used car salesmen. I pay $1,700 a year in Toronto and I only rack up 10k km a year. You guys south of the border should consider yourselves lucky both with Insurance rates and gas prices. We here in Canada get raked over the coals. It is any wonder why people decide to drive w/o coverage!!
When I traded my gas guzzling 2002 Dodge Dakota R/T (12-15 mpg...but I still miss the power and handling), three things happened. My car payment for the new 'Riot went up about $30 a month, my insurance dropped about $30 a month and my fuel costs got cut 50%. So needless to say, I still love my little silver 'Riot!
i currently drive a 2003 Civic with 128,000 miles on it. my insurance is $982 / year with 250/500 liability coverage and a 500 deductible. once i close on my duplex next week, the bundle discount drops my rate by $336 / yr
= $646 / yr.
out of curiosity since i am considering a Patriot, i asked my state farm agent what would my quote be if i was then to buy a 2012 Jeep Patriot. he said my premium would drop by $297/yr
= $349 / year
WOW!!!epper:
i asked for the logic behind going from a vehicle that's worth ~ $6,000 to a brand new $25,000 one. he said the following:
1) Safety - Civics are unsafe w/out side airbags and smaller size. crash test scores of my generation of Civic sucks plain and simple. Patriot is extremely safe with more airbags, traction/stability control, and has A+ crash test scores
2) Theft - Civics are stolen...A LOT. and they are usually completely stripped for parts, unlike other vehicles which just have their wheels jacked
3) Driver Categorization - drivers of Civics tend to get into more accidents related to the type of driver and the lack of safety features such as traction control
4) Repairs - Civics are a fortune to repair from a labor standpoint - the engine compartment is a japanese puzzle...literally
doing the math out:
selling price including 6% PA tax: $24,486
trade-in: $4,000
down-payment: $3,800
interest rate: 2.99% @ 60 months (credit union)
Monthly Payment = $299.75
$297 in savings per year = ~ $25 per month
so my end result car payment would be $275/mo
= $646 / yr.
out of curiosity since i am considering a Patriot, i asked my state farm agent what would my quote be if i was then to buy a 2012 Jeep Patriot. he said my premium would drop by $297/yr
= $349 / year
WOW!!!
epper:i asked for the logic behind going from a vehicle that's worth ~ $6,000 to a brand new $25,000 one. he said the following:
1) Safety - Civics are unsafe w/out side airbags and smaller size. crash test scores of my generation of Civic sucks plain and simple. Patriot is extremely safe with more airbags, traction/stability control, and has A+ crash test scores
2) Theft - Civics are stolen...A LOT. and they are usually completely stripped for parts, unlike other vehicles which just have their wheels jacked
3) Driver Categorization - drivers of Civics tend to get into more accidents related to the type of driver and the lack of safety features such as traction control
4) Repairs - Civics are a fortune to repair from a labor standpoint - the engine compartment is a japanese puzzle...literally
doing the math out:
selling price including 6% PA tax: $24,486
trade-in: $4,000
down-payment: $3,800
interest rate: 2.99% @ 60 months (credit union)
Monthly Payment = $299.75
$297 in savings per year = ~ $25 per month
so my end result car payment would be $275/mo
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4,653 Posts
Sounds like a bargain
I am currently paying $2600/yr with a $1000 deductible.
Even when I dropped comp and only carried liability on previous cars I never paid less than $1500/yr
Reason current rate is high on me
Points for a speeding ticket a couple yrs ago.
1 accident
And they stated I have 5 claims on previous insurance
Turns out 4 of those claims was for using their tow service.
When you use insurance road side service they count it as a claim
I am currently paying $2600/yr with a $1000 deductible.
Even when I dropped comp and only carried liability on previous cars I never paid less than $1500/yr
Reason current rate is high on me
Points for a speeding ticket a couple yrs ago.
1 accident
And they stated I have 5 claims on previous insurance
Turns out 4 of those claims was for using their tow service.
When you use insurance road side service they count it as a claim
luckily i have 0 points and no accidents.
i feel your pain though, when i moved to North Jersey my rate went from $1,200 / yr and shot all the way up to $2,300 / yr for the same coverage (actually less, since in NJ to be able to sue for whatever amount you need to be an ungodly amount extra...in PA we don't have that).
yeah i have the roadside assistance on my insurance plan for $2.36/yr in case something goes wrong with AAA and i forget to renew or i reach the 3 claims / yr limit. i've never called state farm though since i figure calling them for any service goes down on your record.
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992 Posts
Yes, roadside assistance calls through your insurer is recorded as a claim, but only as a means of accounting to pay the roadside assistance provider. I can't speak for State Farm, but for the insurer I have/work for, roadside assistance claims are not figured into underwriting. However if you do abuse the service (eg: calling roadside for a gallon of fuel every day) they will drop the roadside coverage off of your policy, but your premiums can't be increased and your policy can't be cancelled for roadside claims.
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1,688 Posts
X2. My Pat was $30 more a month than my Wrangler.
that's b/c the Wrangler is in the 2nd to lowest category for theft, cost of repairs, and likelihood of filing a claim (state farm told me this 2 1/2 yrs ago).
going from a 2003 Civic to a 2012 Patriot saves me $297 per year.
in 2010 going from a 2003 Civic to a 2011 Wrangler would actually have saved me $330 per year
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