Patriot Insurance More Than Others?

Treegrower · Jan 10, 2013

Considering a 2013 Patriot, I asked our insurance agent to compare full coverage rates of the Pat vs. the CRV and Forester.

I was shocked that the Pat was the highest, about $90 per year more than the lowest.

I used these specs.: 2wd Pat ($18,000), AWD Forester ($22,000), 2wd CRV ($23,000). I told our agent I was looking at the base model with auto tranny and air conditioning minimum. Prices are conservative guesses, based on sticker prices and my bargaining skills.

The CRV was cheapest, the Forester in the middle, and the Pat was on top, with about a $90 spread from low to high.

I really thought the Pat would be the cheapest, thinking that it costs the least and probably is simpler to maintain (less bells and whistles).

Comments? And.......thank you.

aroundincircles · Jan 10, 2013

Its A LOT cheaper that what I paid for my 07 Saab 9-5.

Brohio · Jan 10, 2013

Wow that's weird...I just switched my insurance to my pat today and it only went from 380 to 425 (6 month)....and my old car was a 10 year old Toyota Corolla.

What company do you carry insurance with?

MB · Jan 10, 2013

I think it all depends on your insurance company. My insurance company is USAA and the Jeep Patriot was one of their "preferred" vehicles when i bought it. I went from a 2003 Toyota Highlander to a 2010 Jeep Patriot. I'm pretty sure my insurance only went up 12 dollars.

Metaxa · Jan 10, 2013

Can't compare apples to apples because different country but when I switched my somewhat specific insurance from my old Suzuki XL7 (2001) to my brand new, off the lot 2011 Patriot it cost me under $100 more for the year.

I'm OK with that because a new vehicle costs more to repair than an old one.

Thing is different companies charge different rates...is your insurance guy a broker representing many different companies or is he an agent only representing SAtate Farm or something?
Shop around is what I'm saying/asking.

aroundincircles · Jan 10, 2013

Geico, my payments went down by 25/month or 150/6 months. my saab was the "aero" trim, 260hp Turbo 4cyl = higher insurance rates typically.

2012 Cherry Patriot · Jan 10, 2013

It depends on insurance companies, what you drove before, etc. My insurance told me that owning an SUV, truck, or minivan will always be cheaper than a car, thats Allstate stands, lol. Typically its less. I went from $78/m in a 2011 Sentra, to $61/m in the 2012 Patriot.

BondiBlue · Jan 10, 2013

Mine is about $230/6 months with State Farm. $500 deductible and max coverage.

RadOso · Jan 10, 2013

I have Progressive. When I added the Patriot and dropped the previous car (1995 Nissan Pathfinder), my 6 month premium for 2 cars went up by $80 for the 6 month coverage period.

I considered the increase pretty reasonable for the difference in the value of the Pat vs. the old rig.

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Treegrower · Jan 10, 2013

Thanks for the replies. The quotes I received for all three vehicles (Pat, CRV, Forester) are quite good. No complaints there.

I just am wondering why the more expensive vehicles ended up with cheaper insurance rates. I would also think the CRV and Forester would cost more to repair and maybe have higher theft rates.

I was hoping to justify the "less reliable" Pat (sorry if I hurt any feelings) over the CRV and Forester if the insurance was cheaper on the Pat.

aroundincircles · Jan 10, 2013

Well, for one thing, Old grannies tend to drive those other cars, and Jeeps tend to be driven by younger single men... at least that's what I was told a while back when looking to insure a cherokee I was thinking of buying...

Medic311 · Jan 10, 2013

i have State Farm and i'm in Southeastern Pennsylvania, 5 mins from the Philly border (i say border b/c much of Philly is a war zone without sides)

27 y/o unmarried male with 0 accidents on record (on record, cough cough...lol)

i drive a beater Civic that i've had since my high school days. it gets me where i need to be and it's been paid off for over 6 years. i'm dropping a whopping $800/yr for 250/500 car insurance and some extra goodies like income supplement from medical disability (up to $40,000 / yr), rental car insurance, and $100,000 in property damage liability yada-yada.

i talked to my State Farm agent and he said if i get a 2013 Patriot my insurance will drop to $668/yr. i asked how that is possible, and he said that the Civic is in the 3rd highest risk category in the industry due to auto theft, parts theft, vandalism, lack of ESC, lack of ABS, lack of SAB. he said the Patriot is in the 4th to lowest risk category (Wrangler is 3rd to lowest...i guess the lowest would be a Powerweels? who knows haha). i asked about the Forester (i will be considering a 2014 Forester as well) and he said my premium will be $708/yr

aroundincircles · Jan 10, 2013

jgg204 said:
i guess the lowest would be a Powerweels?

You haven't see my 3 year old drive the one my wife's family bought for him... If my insurance agent saw him drive, I would be paying $1000/month.

BondiBlue · Jan 10, 2013

aroundincircles said:
You haven't see my 3 year old drive the one my wife's family bought for him... If my insurance agent saw him drive, I would be paying $1000/month.

Not to mention the slick plastic tires are horrible for traction and safety ratings.

dixiedawg · Jan 10, 2013

Patriot is highly rated for safety, as it should be, so most insurance is lower.

I have no idea why the OP's was more, but if it were me I'd look for another company.

jack.allwardt · Jan 10, 2013

Yes, but!! When insuring a more newer car vs. an older one, the insurance would go up. Staying with one company for a long time makes a difference in rates when you get a new/replacement vehicle.
I've been with AAA for over 30 years. A new service club member is a state farm agent. I had him run my numbers--and for a "new" customer to him, I'd be paying $1100 more a year for three vehicles.

Kenny-g · Jan 10, 2013

I went from having only liability on my 02 Nissan Frontier which was about 450 bucks/6 months (approx...i cant really remember for sure) to my full coverage on the Pat which is at about 786/6 months. I think my deductable is 250? or maybe 300? I don't remember haha.

*Edit: oh and I use USAA

hypno444 · Jan 10, 2013

I went from a 2010 Subaru to a 2011 Patriot, same insurance coverage, same company; the rate went down about $100 for 6 months.

Treegrower · Jan 10, 2013

Thanks guys. jgg204, dixiedawg, and others.......I still believe that the Patriot should be less than the CRV and Forester. I will investigate more. Maybe my agent didn't follow my specifications.

Other FYI:

-After my wife suffered life long injuries from being hit by a non insured, non licensed driver, I HIGHLY urge people to have non-insured coverage on their policy.....at least a half million.

- Researching these vehicles, the new Forester FB engine is getting lots of complaints about high oil consumption on their forums. Not sure if it is "internet amplification".

Kenny-g · Jan 10, 2013

^ what do you mean by "at least a half million" ??? that's how much your insurance would cover if in an accident such as that?

Patriot Insurance More Than Others?

Treegrower

aroundincircles

Brohio

MB

Metaxa

aroundincircles

2012 Cherry Patriot

BondiBlue

RadOso

Treegrower

aroundincircles

Medic311

aroundincircles

BondiBlue

dixiedawg

jack.allwardt

Kenny-g

hypno444

Treegrower

Kenny-g

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