2012 Volkswagen Jetta SportWagen Car Insurance Quotes – 10 Savings Tips

Want the cheapest auto insurance rates for your Volkswagen Jetta SportWagen? Have you finally had enough of not being able to afford to make your auto insurance payment? You are no different than millions of other consumers. Many car insurance companies vie for your insurance dollar, so it can be very hard to choose a insurance company and uncover the absolute lowest rate possible.

You should make it a habit to compare prices quite often since rates are usually higher with each renewal. Even if you think you had the lowest premium rates on Jetta SportWagen coverage at your last renewal there is a good chance you can find better prices now. You can search a lot of auto insurance on the web, but in just a couple of minutes you can learn some of the best ways to save money.

The best way we recommend to get policy rate comparisons utilizes the fact most of the larger companies actually pay money for the chance to compare rate quotes. To get started, all you need to do is give the companies some data like whether you have decent credit, marital status, your occupation, and how much school you completed. Your insurance information is instantly provided to many highly-rated insurers and you get price estimates with very little delay.

Find discounts on auto insurance

Auto insurance companies don’t always list all possible discounts in an easy-to-find place, so the list below gives a summary of a few of the more well known as well as some of the hidden ways to save on auto insurance.

• ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more.
• Driver Training Discounts – Taking part in a course teaching defensive driver skills can save you 5% or more if you qualify.
• Life Insurance – Select auto insurance companies reward you with better rates if you take out auto and life insurance together.
• Senior Discount – Drivers that qualify as senior citizens may receive better auto insurance rates on Jetta SportWagen coverage.
• Driving Data Discount – Drivers that enable their insurance company to study driving habits remotely like Allstate’s Drivewise could possibly reduce rates as long as the data is positive.
• Resident Student – Older children who live away from home to go to college and do not take a car to college can be insured at a reduced rate.
• Discounts for Federal Employees – Simply working for the federal government may qualify for a discount when you quote insurance on Jetta SportWagen coverage with select insurance companies.
• Drive Safe and Save – Accident-free drivers can get discounts for up to 45% lower rates on Jetta SportWagen coverage compared to accident prone drivers.
• Early Switch Discount – Some auto insurance companies provide a discount for buying a policy prior to the expiration date on your current policy. It could save around 10% when you buy insurance online.
• Multi-Vehicle Discounts – Drivers who insure several vehicles with one company can reduce rates for all insured vehicles.

Policy discounts save money, but most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way.

Large auto insurance companies and their possible discounts can be read below.

• American Family may offer discounts for mySafetyValet, bundled insurance, multi-vehicle, accident-free, and defensive driver.
• Farm Bureau may have discounts that include driver training, safe driver, renewal discount, youthful driver, and multi-vehicle.
• State Farm has savings for Steer Clear safe driver discount, passive restraint, multiple policy, good student, Drive Safe & Save, and defensive driving training.
• Travelers offers premium reductions for home ownership, new car, multi-car, student away at school, driver training, and IntelliDrive.
• The Hartford offers discounts for defensive driver, bundle, good student, vehicle fuel type, driver training, and air bag.
• Geico policyholders can earn discounts including multi-vehicle, driver training, five-year accident-free, good student, anti-theft, military active duty, and air bags.
• Progressive offers discounts including online quote discount, online signing, multi-vehicle, continuous coverage, good student, and homeowner.

When getting a coverage quote, ask each company or agent which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policies in your area. If you would like to choose from a list of insurers that can offer you the previously mentioned discounts, click this link.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

• Am I covered when pulling a rental trailer?
• Why am I required to get a high-risk car insurance policy?
• Does my medical payments coverage pay my health insurance deductible?
• Do I need more liability coverage?
• Why am I required to buy high-risk coverage?
• Does medical payments coverage apply to all occupants?
• How many claims can I have before being cancelled?
• Does coverage extend to Mexico or Canada?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Advertising and insurance

Drivers can’t get away from all the ads that claim the cheapest car insurance rates from companies such as Geico, State Farm and Progressive. They all seem to make the point about savings just by moving your insurance policy to them.

How does every company charge you less for car insurance?

Insurance companies have specific criteria for the right customer that earns them the highest profit. For instance, a profitable customer could be a married female, has had continuous coverage, and has excellent credit. A propective insured who matches those parameters gets the lowest premium rates and is almost guaranteed to save a lot if they switch.

Consumers who do not fit these stringent criteria may receive a higher premium and this can result in the customer not purchasing. The trick is to say “customers that switch” not “everyone who quotes” will save that much if they switch. That’s the way insurance companies can advertise the savings.

This illustrates why drivers must compare quotes as often as possible. It is just not possible to predict the company that will provide you with the cheapest rates.

Insurance coverage breakdown

Understanding the coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Volkswagen Jetta SportWagen.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Liability coverage

This provides protection from injuries or damage you cause to a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as structural damage, attorney fees, medical services, medical expenses and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses such as EMT expenses, hospital visits, doctor visits, nursing services and ambulance fees. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, falling objects and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

This coverage will pay to fix damage to your Jetta SportWagen from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a parking meter, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Don’t be a big spender

Low-cost 2012 Volkswagen Jetta SportWagen insurance is attainable both online and also from your neighborhood agents, so get free insurance quotes from both of them to get a complete price analysis. A few companies do not offer the ability to get quotes online and these smaller companies only sell through independent agents.

When searching for cheaper insurance quotes, do not reduce coverage to reduce premium. There have been many cases where someone dropped physical damage coverage and learned later they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Throughout this article, we presented quite a bit of information on how to compare 2012 Volkswagen Jetta SportWagen insurance rates online. The most important thing to understand is the more you quote insurance, the higher your chance of finding the cheapest insurance. You may be surprised to find that the biggest savings come from a smaller regional carrier. They may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Progressive or Geico.

Even more information can be found in the articles below:

• Information for Teen Drivers (Geico)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Vehicle Size and Weight FAQ (iihs.org)
• Auto Insurance 101 (About.com)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)