Save on 2008 Volkswagen Jetta Insurance Quotes

Want lower auto insurance rates for your Volkswagen Jetta? Wish you could get out of an underperforming, overpriced auto insurance policy? You’re preaching to the choir because there are many consumers feeling the pinch from expensive auto insurance. People have many auto insurance companies to choose from, and although it’s nice to have a choice, having more insurers makes it harder to compare rates and cut insurance costs.

It’s smart to compare prices once or twice a year because insurance prices are adjusted regularly by insurance companies. Even if you got the best quotes on Jetta coverage a year ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you’re about to learn how to quote online to buy cheaper auto insurance.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you should be able to save some money using this information. Drivers just need to understand the most effective way to shop their coverage around online.

How your Jetta insurance rates are determined

Many factors are part of the equation when pricing auto insurance. Some are pretty understandable such as your driving record, but some are not quite as obvious such as whether you are married or your commute time.

• Premiums are affected by your credit rating – Your credit score can be a huge factor in determining premium rates. People that have high credit ratings tend to file fewer claims and have better driving records as compared to drivers with poor credit scores. Therefore, if your credit can be improved, you could pay less to insure your 2008 Volkswagen Jetta if you clean up your credit.
• Prevent theft and save – Buying a car with advanced anti-theft systems can earn a premium discount. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft and help lower rates.
• No policy claims equals better premiums – If you file a lot of claims you should expect higher premiums or even policy non-renewal. Insurance companies award better rates to insureds who are not frequent claim filers. Auto insurance is intended to be relied upon for larger claims.
• Avoid tickets and save – Being a careful driver impacts your car insurance rates tremendously. Drivers with clean records pay less for auto insurance than people who have multiple driving citations. Having a single chargable violation may increase your cost forty percent or more. Drivers unfortunate enough to have license-revoking violations such as DWI, reckless driving or hit and run convictions may find that they have to to complete a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.
• Do you qualify for a multi-policy discount? – Some insurance companies will award lower prices to clients who buy several policies from them such as combining an auto and homeowners policy. Even with this discount applied, it’s always a smart idea to compare rates to help guarantee you have the best rates.
• Liability protection limits on your policy – A critical coverage on your policy, liability insurance kicks in if you are determined to be liable for physical damage or personal injury to other. It will provide legal defense to attempt to prove you were not liable. It is affordable coverage compared to physical damage coverage, so do not skimp.
• No policy lapses lowers car insurance rates – Driving any period of time without insurance is against the law and you may have a hard time finding new coverage because you let your insurance coverage expire. Not only will rates go up, getting caught without coverage could result in a fine, jail time, or a revoked license. You may then have to file a SR-22 with your state DMV.

How to find low cost auto insurance

Most major insurance companies allow you to get prices on the web. Doing online price comparisons is quite easy because you just enter the coverages you want on the page. Upon sending the form, their quoting system obtains your driving and credit reports and gives you a price quote. Online quotes makes comparing rates easy, but the process of having to visit multiple sites and type in the same information is repetitive and time-consuming. But it’s very important to compare as many rates as possible in order to find the best price on auto insurance.

An easier way to lower your rates uses one form to obtain quotes from several different companies. It saves time, helps eliminate reptitive entry, and makes price shopping online a little more enjoyable. As soon as you send your information, your coverage is rated and you are able to buy your choice of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and purchase coverage. This process takes less than 15 minutes and can result in significant savings.

To save time and get comparison pricing now, click here to open in a new tab and enter your vehicle and coverage information. If you have coverage now, it’s recommended that you enter coverages and limits exactly as they are listed on your policy. This makes sure you are getting a rate comparison for similar coverage.

Discounts for cheap auto insurance rates

Auto insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts that can dramatically reduce your bill. Most are applied at quote time, but some must be asked about before being credited.

• Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
• Home Ownership Discount – Owning your own home or condo can get you a discount since owning and maintaining a home is proof of financial responsibility.
• Driver Safety – Passing a course in driver safety could earn you a small percentage discount and also improve your driving technique.
• Buy New and Save – Buying a new car model can get you a discount compared to insuring an older model.
• Drive Safe and Save – Insureds without accidents can save as much as half off their rates on Jetta coverage as compared to drivers with claims.
• Policy Bundle Discount – If you insure your home and vehicles and insure them with the same company you could save approximately 10% to 15%.
• Pay Early and Save – By making one initial payment rather than spreading payments over time you may have a lower total premium amount.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy auto and life insurance together.
• Multi-car Discount – Buying insurance for all your vehicles with the same auto insurance company can reduce the rates for all insured vehicles.

As is typical with insurance, many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Some companies that may offer most of these discounts may include but are not limited to:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

If you are trying to find the cheapest insurance quotes, ask each company or agent which credits you are entitled to. Some of the discounts discussed earlier may not apply in every state.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

• How can I get high-risk coverage after a DUI?
• Does my liability insurance cover pulling a trailer or camper?
• Is business equipment covered while in my vehicle?
• At what point should I drop full coverage?
• What are the financial responsibility laws in my state?
• Are split liability limits better than a combined single limit?
• Is extra glass coverage worth it?
• Am I getting all the discounts available?
• Do I need to file an SR-22 for a DUI in my state?
• Do I have coverage for damage caused while driving under the influence?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Educate yourself about insurance coverages

Learning about specific coverages of your policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses like X-ray expenses, pain medications, EMT expenses and hospital visits. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a bird, a tree branch falling on your vehicle and a broken windshield. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability

Liability insurance provides protection from injuries or damage you cause to other people or property. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like emergency aid, medical expenses and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Collision coverage protection

This covers damage to your Jetta resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Volkswagen Jetta.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Final thoughts

In this article, we presented some good ideas how you can compare 2008 Volkswagen Jetta insurance premium rates online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the lowest premium rates come from the least-expected company. Some small companies often have lower prices on specific markets as compared to the big name companies such as Progressive or Geico.

Discount 2008 Volkswagen Jetta insurance can be purchased from both online companies in addition to many insurance agents, so you need to quote insurance with both to get a complete price analysis. Some insurance providers do not provide online rate quotes and many times these smaller providers work with local independent agencies.

As you restructure your insurance plan, it’s very important that you do not buy poor coverage just to save money. There have been many situations where someone dropped collision coverage only to regret at claim time they didn’t purchase enough coverage. Your goal is to buy enough coverage for the lowest price.

For more information, feel free to browse the following helpful articles:

• Where can I buy Insurance? (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)