Looking for the cheapest car insurance rates for your Volkswagen Jetta GLI? Are you tired of being strong-armed to insure your Volkswagen every month? You are no different than millions of other drivers.
Big companies like GEICO, 21st Century and Progressive increase brand awareness with catchy ads and consumers find it hard to ignore the flashy ads and effectively compare rates to find the best deal.
It is always a good idea to check car insurance prices yearly because car insurance prices are rarely the same from one policy term to another. Even if you got the lowest price for Jetta GLI insurance a few years ago you will most likely find a better rate quote today. Forget anything you know (or think you know) about car insurance because you’re about to learn how to use online quotes to lower your annual insurance bill.
Some insurers don’t always publicize their entire list of discounts very clearly, so the following is a list of both well-publicized as well as some of the hidden discounts that you can inquire about if you buy insurance coverage online.
A little note about advertised discounts, most discounts do not apply to the entire cost. Most only cut specific coverage prices like comprehensive or collision. So despite the fact that it appears you can get free auto insurance, you aren’t that lucky.
Auto insurance companies that may offer some of the discounts shown above include:
When quoting, ask each company what discounts are available to you. Some discounts may not apply in your state.
Most of the larger companies such as Progressive, Allstate and GEICO make it easy to get pricing online. Getting online rates doesn’t take much effort because you just enter your required coverages on the page. Once you submit the form, the quote system will order your driving and credit reports and returns pricing information based on many factors. Online price quotes makes comparing rates easy, but the time it takes to visit each company’s website and repetitively fill out multiple forms gets old quite quickly. Unfortunately, it is important to compare as many rates as possible in order to get the lowest auto insurance rates.
There is a better way to compare rates
A more efficient way to lower your auto insurance bill utilizes a single form that gets price quotes from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes online shopping much more enjoyable. After sending the form, it gets priced and you can select any one of the price quotes you receive.
If you find a better price you can click and sign and purchase coverage. The entire process takes just a few minutes to complete and you will find out if you’re overpaying now.
If you want to use this form to compare rates, simply click here to open in new window and submit the form. To compare your current rates, we recommend you enter the coverage information as shown on your current policy. Using the same limits helps guarantee you will have comparison quotes using the exact same coverages.
When choosing proper insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different and your policy should reflect that. For instance, these questions may help highlight whether you will benefit from professional help.
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 an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Car insurance companies such as Progressive, Allstate and GEICO endlessly run television, radio, and online ads. They all make an identical promise that you’ll save big just by moving your car insurance policy to them. How can each company charge less that you’re paying now? Here is how they do it.
All companies quote the lowest rates for a prospective insured that will be a good risk. An example of a profitable risk profile might have to be a married female, has other policies, and insures a new vehicle. Anyone that meets those criteria receive the lowest rate quotes and will probably save quite a bit of money when switching.
Potential insureds who don’t qualify for these standards will see higher premiums and this can result in the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everyone who quotes” save that much money. That’s why insurance companies can confidently state the savings.
This really drives home the point why drivers must do a price quote comparison at every renewal. It’s just too difficult to predict with any certainty which company will have the lowest rates.
Understanding the coverages of insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average insurance policy.
Liability – Liability insurance protects you from damages or injuries you inflict on a person or their property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability can pay for things like repair costs for stationary objects, pain and suffering and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.
Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like hitting a mailbox, crashing into a building, rolling your car, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2013 Volkswagen Jetta GLI.
Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are set the same as your liablity limits.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for prosthetic devices, X-ray expenses and hospital visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible
Comprehensive coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like a tree branch falling on your vehicle, a broken windshield and rock chips in glass. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
We just presented a lot of techniques to save on 2013 Volkswagen Jetta GLI insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest premium rates are with a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.
As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. There have been many cases where someone sacrificed collision coverage and learned later that it was a big error on their part. The aim is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.
Cost effective 2013 Volkswagen Jetta GLI insurance is available online as well as from insurance agents, so you need to quote insurance coverage with both in order to have the best price selection to choose from. There are still a few companies who don’t offer price quotes online and most of the time these regional carriers only sell coverage through independent agents.
For more information, take a look at the resources below: