2013 Volkswagen Jetta SportWagen Car Insurance Cost – 7 Ways to Save

Want better car insurance rates for your Volkswagen Jetta SportWagen? Having to pay for overpriced Volkswagen Jetta SportWagen insurance can diminish your bank account and put a big crunch on your finances. Comparing rates annually is a fast and free way to lower your bills every month.

Big-name insurance companies like Geico, Progressive and Allstate constantly blast consumers with ad campaigns and consumers find it hard to see through the deception and effectively compare rates to find the best deal.

The fastest way that we advise to compare rate quotes is to take advantage of the fact auto insurance companies actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is provide a little information such as any included safety features, deductibles desired, the type of vehicles you drive, and whether you drive to work or school. That rating data is instantly sent to many different companies and they provide comparison quotes instantly to find the best rate.

Car insurance policy discounts

Properly insuring your vehicles can get expensive, but there are discounts available to reduce the price significantly. Many of these discounts will be applied automatically at the time of quoting, but lesser-known reductions have to be inquired about before they will apply.

• Drivers Education – Cut your cost by having your teen driver sucessfully take a drivers education course as it will make them better drivers and lower rates.
• Senior Citizen Rates – If you’re over the age of 55, you may receive a discount up to 10% for Jetta SportWagen insurance.
• ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
• Multi-Vehicle Discounts – Buying coverage for several vehicles with the same car insurance company can reduce rates for all insured vehicles.
• Home Ownership Discount – Simply owning a home may trigger a policy discount on car insurance because it means you have a higher level of financial diligence.
• Early Renewal Discounts – Select larger companies give a discount for renewing your policy before your current expiration date. This discount can save up to 10%.
• Military Rewards – Being deployed in the military could qualify you for better prices.

Discounts lower rates, but most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will bring down your premiums.

A list of companies and the discounts they provide can be read below.

• Geico offers premium reductions for multi-vehicle, anti-lock brakes, seat belt use, anti-theft, five-year accident-free, good student, and military active duty.
• Travelers includes discounts for early quote, new car, good student, driver training, and student away at school.
• Farm Bureau has discounts for multi-policy, multi-vehicle, driver training, youthful driver, and safe driver.
• Liberty Mutual offers discounts including new move discount, multi-policy, exclusive group savings, new graduate, newly retired, and teen driver discount.
• American Family may offer discounts for defensive driver, good driver, mySafetyValet, bundled insurance, and accident-free.
• Progressive policyholders can earn discounts including homeowner, online quote discount, continuous coverage, multi-vehicle, good student, multi-policy, and online signing.

If you need lower rates, check with every company how you can save money. Some of the discounts discussed earlier might not be available to policyholders everywhere. To see insurers with discount car insurance rates, click here.

How do I know if I need professional advice?

When choosing the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether or not you might need an agent’s assistance.

• Do I get a pro-rated refund if I cancel my policy early?
• What is medical payments coverage?
• What discounts do I qualify for?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Is pleasure use cheaper than using my 2013 Volkswagen Jetta SportWagen to commute?
• Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

The largest companies are not always cheapest

Consumers can’t escape the ads that claim the best premium rates from the likes of State Farm, Geico and Progressive. They all tend to make the same promise that drivers can save some big amount if you switch your insurance policy to them.

It sounds good, but how can they all charge you a lower premium? Here is the trick they use.

All companies quote the lowest rates for the right customer that will add to their bottom line. For example, a profitable customer may be married and over the age of 30, has few claims, and has great credit. Any person who fits that profile will most likely get cheap car insurance rates and have a good chance to save when switching.

Insureds who don’t qualify for the “perfect” profile may be required to pay a higher rate which results in business not being written. The wording the ads use say “people that switch” but not “everyone who gets a quote” save that much. That is how insurance companies can confidently advertise the savings.

Because each company has a different risk profile, drivers should get price quotes at each policy renewal. It is impossible to predict with any certainty which company will provide the lowest rates.

Auto insurance coverages

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Comprehensive insurance – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a tree branch falling on your vehicle, damage from getting keyed, hitting a bird and a broken windshield. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Jetta SportWagen.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Liability coverage – Liability coverage will cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for 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 a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like repair costs for stationary objects, legal defense fees, medical expenses, pain and suffering and bail bonds. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, sideswiping another vehicle, backing into a parked car, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like chiropractic care, doctor visits and EMT expenses. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Quote more. Save more.

Throughout this article, we presented some good ideas how you can lower your 2013 Volkswagen Jetta SportWagen insurance prices. The key concept to understand is the more providers you compare, the higher your chance of finding inexpensive car insurance. You may even find the best price on insurance is with a small mutual company. These smaller insurers often have lower rates on specific markets than their larger competitors like Progressive and Geico.

There are still a few companies who do not offer rates over the internet smaller companies provide coverage only through independent agents. Affordable 2013 Volkswagen Jetta SportWagen insurance can be sourced both online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best price selection to choose from.

Additional information can be found at the links below

• State Laws for Cellphones and Texting (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)