2011 Volkswagen Jetta SportWagen Insurance Rates – 5 Ideas for Best Quotes

Trying to find cheaper auto insurance rates for your Volkswagen Jetta SportWagen? If you’re new to shopping for auto insurance quotes online, you may be baffled by the confusing number insurance agents and companies all claiming to save you money.

If you currently have a car insurance policy, you should be able to save some money using these methods. Finding the best insurance can be fairly easy. But drivers do need to know how companies price online insurance and take advantage of how the system works.

Compare quotes for car insurance

When shopping for cheaper auto insurance quotes, there are a couple of ways of comparing rates from different companies. The best way to comparison shop is to jump online and get quotes. It’s really quite simple and can be done in several different ways.

1. The recommended way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This style of form prevents you from having to do separate forms for every company. One quote request gets prices estimates from all major companies. It’s the fastest way to compare.
2. A more difficult way to obtain and compare quotes online requires a visit to the website of each company to request a price quote. For examples sake, let’s assume you want to get rates from Farmers, Allstate and Travelers. In order to get each rate, you would have to go to each individual site and repeatedly type in your coverage information, and that explains why we recommend the first method. To view a list of companies in your area, click here.
3. The least recommended way to comparison shop is to spend your day driving to local insurance agencies. Buying insurance online makes this process obsolete unless you have a complicated situation and need the professional advice of a local agency. Drivers can find lower rates online and still use a local agent.

The method you choose is up to you, but make sure you are using the same coverages and limits on every quote you get. If the quotes have different data it will be next to impossible to determine which company has the best rates. Slightly different coverage limits can make a big difference in price. And when price shopping your coverage, comparing all the rates in your area helps increase your odds of locating the best offered rates.

Don’t listen to company ads

Allstate and Progressive regularly use ads on television and other media. They all advertise claims that you can save just by switching your coverage. It sounds good, but how can they all offer you a better deal?

Many companies quote their cheapest rates for the type of driver that earns them the highest profit. An example of a desirable risk might be between the ages of 40 and 55, has a clear driving record, and has great credit. A driver that fits those parameters will get the preferred car insurance rates and will also save when switching.

Drivers who are not a match for these criteria must pay a higher premium which leads to the customer buying from a different company. The ads say “customers who switch” not “everybody who quotes” can save as much as they claim. That’s the way companies can truthfully claim big savings.

This really illustrates why you really need to compare rate quotes every year. Because without a comparison, you cannot know which insurance companies will have better premium rates than you’re paying now.

Earn discounts on auto insurance

Car insurance is not cheap, but there are discounts available that many consumers don’t even know exist. Many discounts should be triggered when you purchase, but some may not be applied and must be inquired about before you get the savings.

• Own a Home – Just being a homeowner can save you money because of the fact that having a home requires personal responsibility.
• Good Student – A discount for being a good student can earn a discount of 20% or more. Most companies allow this discount until age 25.
• Low Mileage Discounts – Fewer annual miles on your Volkswagen could earn substantially lower rates.
• Multiple Cars – Buying a policy with multiple vehicles on a single policy can reduce rates for all insured vehicles.
• Accident Waiver – Not necessarily a discount, but companies like Geico, State Farm, and Progressive allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.

As a sidenote, some credits don’t apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, nobody gets a free ride.

A few popular companies and a summarized list of policyholder discounts can be found below.

• AAA may have discounts that include pay-in-full, AAA membership discount, good student, good driver, and education and occupation.
• Progressive discounts include online signing, online quote discount, multi-policy, continuous coverage, good student, homeowner, and multi-vehicle.
• State Farm may offer discounts for driver’s education, passive restraint, multiple policy, Drive Safe & Save, student away at school, accident-free, and anti-theft.
• Esurance policyholders can earn discounts including DriveSense, defensive driver, online quote, online shopper, and renters.
• Nationwide has discounts for anti-theft, accident-free, defensive driving, business or organization, and good student.

Before you buy a policy, ask every prospective company which discounts can lower your rates. Some credits might not be available to policyholders in your area. If you would like to view providers who offer discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.

• Do I need added coverage for expensive stereo equipment?
• Can I afford to pay high deductible claims out of pocket?
• What vehicles should carry emergency assistance coverage?
• Does my policy cover me when driving someone else’s vehicle?
• Am I covered when driving in Canada or Mexico?
• Where can I find DUI or SR-22 insurance?
• Am I covered if hit by an uninsured driver?
• How many claims can I have before being cancelled?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Coverages available on your policy

Knowing the specifics of your car insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision insurance

Collision insurance pays for damage to your Jetta SportWagen resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a building, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, damage from a tornado or hurricane, theft, a broken windshield and vandalism. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Volkswagen Jetta SportWagen.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses like pain medications, surgery and dental work. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing 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 limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things such as court costs, loss of income, funeral expenses and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Stretch your dollar

Cheap 2011 Volkswagen Jetta SportWagen insurance can be bought from both online companies as well as from insurance agents, so you should compare both to get a complete price analysis. Some insurance providers do not offer the ability to get a quote online and usually these regional insurance providers prefer to sell through independent agents.

You just read a lot of information how to shop for 2011 Volkswagen Jetta SportWagen insurance online. The key concept to understand is the more companies you get auto insurance rates for, the better your comparison will be. Consumers may even find the biggest savings come from a small local company.

Consumers who switch companies do it for a number of reasons such as extreme rates for teen drivers, an unsatisfactory settlement offer, being labeled a high risk driver or high prices. Regardless of your reason, switching companies is pretty easy and you might even save some money in the process.

More learning opportunities

• Safety Belts FAQ (iihs.org)
• Teen Driving Statistics (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• What is Covered by GAP Insurance? (Allstate)