Compare 2013 Volkswagen Jetta Insurance Rates

Trying to find cheaper auto insurance rates for your Volkswagen Jetta? Nobody that owns a car loves paying for auto insurance, particularly when the cost is too high. Due to the fact that there are so many options, it can be hard to locate the best auto insurance provider.

You should take the time to compare prices on a regular basis because auto insurance prices change regularly. Despite the fact that you may have had the lowest price for Jetta coverage at your last renewal you may be paying too much now. There are a lot of ways to save on auto insurance on the internet, but in just a couple of minutes you can learn a lot of great tips on how to stop overpaying for insurance.

This article will tell you how to get online quotes and some tips to save money. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. Vehicle owners only need an understanding of the most efficient way to compare rates online.

Discounts to earn lower-cost auto insurance rates

Some companies don’t always publicize all possible discounts in a way that’s easy to find, so the next list breaks down both the well known as well as the least known discounts that you may qualify for. If you’re not getting every credit possible, you are not getting the best rate possible.

• Student Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class in school.
• Save over 55 – Drivers over the age of 55 may qualify for better auto insurance rates for Jetta coverage.
• Accident Forgiveness – Not necessarily a discount, but companies like Geico and Liberty Mutual will turn a blind eye to one accident before hitting you with a surcharge if you have no claims before the accident.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn lower rates if you buy auto and life insurance together.
• Claim Free – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance quote when compared with frequent claim filers.

A little note about advertised discounts, some credits don’t apply the the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

A list of companies and a partial list of their discounts can be read below.

• State Farm includes discounts for accident-free, student away at school, defensive driving training, safe vehicle, Steer Clear safe driver discount, passive restraint, and good student.
• Progressive has savings for continuous coverage, online quote discount, good student, multi-policy, homeowner, and multi-vehicle.
• Progressive may offer discounts for good student, multi-vehicle, multi-policy, continuous coverage, online signing, and homeowner.
• MetLife may have discounts that include multi-policy, good student, defensive driver, accident-free, and claim-free.
• Farm Bureau has discounts for multi-vehicle, driver training, multi-policy, youthful driver, and good student.
• Geico offers premium reductions for anti-lock brakes, air bags, five-year accident-free, defensive driver, driver training, daytime running lights, and military active duty.
• SAFECO policyholders can earn discounts including accident prevention training, bundle discounts, safe driver, teen safety rewards, and anti-lock brakes.

When comparing rates, check with every company how many discounts you can get. Some discounts listed above might not be offered in your area. To locate insurers offering auto insurance discounts, click here to view.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions might point out whether your personal situation might need professional guidance.

• Do I need to file an SR-22 for a DUI in my state?
• Can I afford to buy a different vehicle if my 2013 Volkswagen Jetta is totaled?
• Am I covered when driving someone else’s vehicle?
• Can I make deliveries for my home business?
• What is the difference between comprehensive and collision coverage?
• Is other people’s property covered if stolen from my vehicle?
• Is my vehicle covered by my employer’s policy when using it for work?
• Am I better off with higher deductibles on my 2013 Volkswagen Jetta?
• Does liability extend to a camper or trailer?
• How can I find cheaper teen driver insurance?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Coverages available on your car insurance policy

Learning about specific coverages of a car insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most car insurance policies.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually these coverages are similar to your liability insurance amounts.

Liability insurance

Liability insurance will cover damage or injury you incur to other’s property or people. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as structural damage, court costs, pain and suffering, attorney fees and medical services. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, damage from flooding, hail damage, fire damage and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills like X-ray expenses, ambulance fees, dental work, rehabilitation expenses and hospital visits. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, crashing into a ditch, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Shop Smart and Save

Lower-priced car insurance can be sourced online and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers do not provide the ability to get a quote online and these smaller companies prefer to sell through independent agents.

We just showed you some good ideas how you can compare 2013 Volkswagen Jetta insurance auto insurance rates online. It’s most important to understand that the more quotes you get, the higher your chance of finding the cheapest insurance. Consumers may even find the lowest auto insurance rates come from a smaller regional carrier. These smaller insurers may have significantly lower premium rates on certain market segments as compared to the big name companies such as Geico and State Farm.

More information can be found at these links:

• Understanding Limits and Deductibles (Allstate)
• Alcohol Impaired Driving FAQ (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)