Compare 2009 Volkswagen Jetta Car Insurance Quotes

Want better insurance coverage rates for your Volkswagen Jetta? Being forced to pay for high-priced insurance coverage premiums can consume your funds and make it tough to pay other bills. Performing a rate comparison is a fast and free way to lower your monthly bill.

Online insurance companies like Geico, Progressive and Allstate all claim big savings, bombarding you with ads and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

Compare free auto insurance rate quotes

Performing a rate comparison can be exhausting if you don’t utilize the easiest way. You could spend your day driving to insurance companies in your area, or you could save time and use the web to accomplish the same thing much quicker.

Many companies belong to a marketplace where insurance shoppers enter their coverage request one time, and each company returns a rated price based on that data. This system prevents you from having to do form submissions for every auto insurance company.

To fill out one form to compare multiple rates now click here to start a free quote.

One minor caviat to doing it this way is that you can’t choose which providers to receive prices from. So if you prefer to pick specific providers for rate comparison, we have a listing of the cheapest auto insurance companies in your area. View list of insurance companies.

Whichever way you choose to compare rates, make sure you use identical coverage information with each company. If you are comparing unequal deductibles or liability limits you can’t possibly truly determine the lowest rate.

Discounts for cheaper car insurance rates

Car insurance is neither fun to buy or cheap, but there could be significant discounts that you may not know about. Many of these discounts will be applied automatically at the time of purchase, but once in a while a discount must be asked for before being credited. If you do not check that you are getting every discount possible, you may be paying too high a price.

• Good Grades Discount – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
• Organization Discounts – Belonging to specific professional or occupational memberships or organizations may earn a discount on car insurance.
• Passive Restraint Discount – Factory options such as air bags may get savings of up to 25% or more.
• Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a break if you buy some life insurance too.
• ABS Braking Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive so companies give up to a 10% discount.
• Save with More Vehicles Insured – Having multiple cars or trucks on one policy could earn a price break for each car.
• Own a Home – Owning a home can save a few bucks due to the fact that maintaining a home shows financial diligence.
• Driver Training Discounts – Taking part in a defensive driving course can save you 5% or more and easily pay for the cost of the class.

Consumers should know that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as comp or med pay. Just because it seems like you could get a free car insurance policy, companies wouldn’t make money that way.

For a list of insurance companies who offer car insurance discounts, click here.

Tailor your insurance coverage to you

When choosing coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether you would benefit from professional advice.

• I have a DUI can I still get coverage?
• Will my vehicle be repaired with OEM or aftermarket parts?
• If my pet gets injured in an accident are they covered?
• How does medical payments coverage work?
• Does my policy cover me when driving someone else’s vehicle?
• Can my teen driver be rated on a liability-only vehicle?
• Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

You can change your insurance costs

Multiple criteria are part of the equation when you get your auto insurance bill. Some are pretty understandable such as your driving history, but others are not quite as obvious such as your credit history or how safe your car is.Smart consumers have a good feel for a few of the rating criteria that help determine insurance coverage rates. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that could result in much lower annual insurance costs.

• Multi-policy discounts can save money – Most companies allow lower prices to people that purchase more than one policy such as combining an auto and homeowners policy. If you currently are using one company, it’s still a good idea to check prices from other companies to help ensure you have the lowest rates. You may still save even more by splitting coverages up.
• How’s your driving record? – Good drivers pay less for auto insurance as compared to careless drivers. Having just one ticket could increase your next policy renewal forty percent or more. Drivers unfortunate enough to have multiple violations like DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to legally drive.
• Gender impacts rates – Statistics show females are less aggressive when driving. The data does not necessarily mean that females are better at driving than males. Females and males are in accidents at about the same rate, but the men cause more damage. They also get higher numbers of serious violations like driving under the influence (DUI). Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.
• Premiums drop with age – Inexperience drivers are statistically proven to be more careless behind the wheel so they pay higher insurance coverage rates. Older insureds are viewed as being more responsible, file fewer claims , and usually have better credit.
• More stress means more cost – Careers like real estate brokersair traffic controllers and emergency personnel tend to have higher rates than average due to intense work situations and lots of time spent at work. On the flip side, jobs like professors, historians and retirees have the lowest average rates for Jetta insurance.
• Add-on coverages can cost a lot – There are many additional coverages that sound like a good idea at the time on your Jetta policy. Add-on coverages like rental car reimbursement, towing coverage, and Farm Bureau memberships could be just wasting money. The coverages may be enticing initially, but if they’re wasting money eliminate the coverages to reduce your premium.

The coverage is in the details

Learning about specific coverages of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are the normal coverages offered by car insurance companies.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses for hospital visits, doctor visits and surgery. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverages

Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims like repair costs for stationary objects, court costs, funeral expenses and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a parking meter, crashing into a building, rolling your car, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as falling objects, vandalism, damage from getting keyed and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your 2009 Volkswagen Jetta.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Be a money saver!

Discount 2009 Volkswagen Jetta insurance is available from both online companies and from local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance coverage companies do not offer internet price quotes and many times these smaller companies only sell coverage through independent agencies.

We just presented many ideas to reduce 2009 Volkswagen Jetta insurance car insurance rates online. The most important thing to understand is the more companies you get premium rates for, the better likelihood of getting inexpensive insurance. Consumers could even find that the lowest priced insurance coverage comes from the least-expected company. These companies may have significantly lower premium rates on certain market segments than their larger competitors like Geico and State Farm.

Helpful resources

• Electronic Stability Control FAQ (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Top Signs Your Brakes are Giving Out (State Farm)
• Credit Impacts Car Insurance Rates (State Farm)
• Neck Injury FAQ (iihs.org)