2014 Volkswagen Jetta GLI Insurance Quotes – 9 Savings Tips

Want the cheapest car insurance rates for your Volkswagen Jetta GLI? Paying more affordable coverage rates for Driverscar insurance is always slightly frustrating for drivers who have little experience online rate comparisons. People have so many choices that it can be a ton of work to find better prices.

It’s a good idea to get comparison quotes occasionally because prices are constantly changing. Even if you think you had the best rate on Jetta GLI insurance a couple years back other companies may now be cheaper. Block out anything you think you know about car insurance because it’s time to teach you the easiest way to find lower rates on car insurance.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these tips. This information will instruct you on the best way to quote coverages and some money-saving tips. Although vehicle owners benefit from understanding how the larger insurance companies market on the web and take advantage of how the system works.

Discounts can really help save money

Companies that sell car insurance don’t always list all possible discounts very well, so the below list has some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Telematics Devices – Drivers who agree to allow data collection to look at driving manner by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates as long as the data is positive.
  • Senior Citizen Discount – Seniors can get better insurance rates on Jetta GLI insurance.
  • Student Discounts – A discount for being a good student may save as much as 25% on a auto insurance quote. Earning this discount can benefit you up until you turn 25.
  • Accident Free – Claim-free drivers can save substantially compared to frequent claim filers.
  • Drive Safe and Save – Drivers who don’t get into accidents could pay up to 40% less on Jetta GLI insurance as compared to drivers with claims.
  • New Vehicle Savings – Buying a new car instead of a used car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • E-sign – A handful of insurance companies may give you up to $50 get auto insurance on your computer.
  • Active Service Discounts – Having an actively deployed family member could mean lower premium rates.

As is typical with insurance, some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as comp or med pay. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way. But any discount will reduce your premiums.

Auto insurance companies that possibly offer these discounts are:

When getting free auto insurance quotes, it’s a good idea to all the companies how many discounts you can get. Discounts may not be available in your area. If you would like to choose from a list of providers that offer some of these discounts, click here.

Will just any policy work for me?

When it comes to choosing coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions might help in determining whether you could use an agent’s help.

  • How much liability do I need to cover my assets?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is business property covered if stolen from my car?
  • Am I covered if I crash into my own garage door?
  • What if I owe more than I can insure my car for?
  • Does my insurance cover my expensive audio equipment?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.

The coverage is in the details

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision protection

Collision coverage will pay to fix damage to your Jetta GLI resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with a tree, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses for X-ray expenses, doctor visits and hospital visits. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they 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.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Auto liability

Liability insurance can cover injuries or damage you cause to people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like loss of income, repair bills for other people’s vehicles, bail bonds, funeral expenses and court costs. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, a tree branch falling on your vehicle, hail damage and hitting a bird. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Keep this in mind

People switch companies for a variety of reasons including delays in responding to claim requests, questionable increases in premium, extreme rates for teen drivers or even poor customer service. Whatever your reason, finding a new company is not as hard as you think.

Some insurance providers may not have online quoting and these smaller providers only sell through local independent agencies. More affordable insurance can be found online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates.

When getting auto insurance quotes online, you should never reduce coverage to reduce premium. There have been many situations where an insured cut collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

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Comments About 2014 Volkswagen Jetta GLI Insurance

  1. Dayle Moss

    21st Century was cheapest for my 2014 Volkswagen Jetta GLI in Las Vegas, Nevada.

  2. Irving Wolf

    Live in Aurora, Colorado. Compared quite a few companies. Saved darn near $30 a month. State Farm was the cheapest option for me. Was with Erie.

  3. Elwood Weaver

    In Grand Forks, ND, 21st Century auto insurance rates for my 2014 Volkswagen Jetta GLI were good. Was with Progressive.

  4. Selina Pena

    Lots of good stuff here. I’m from Billings, Montana. Got quotes from USAA, AAA, The General, and MetLife for my 2014 Volkswagen Jetta GLI and I’m now saving $26 a month.

  5. Ola Snider

    Allstate was cheapest for my 2014 Volkswagen Jetta GLI in Portland, Oregon.

  6. Doloris Blevins

    Here’s my quote info. I live just outside Charleston, WV. I got free quotes with Allstate, Farmers, and The General for my Jetta GLI and I’m now saving $42 a month. Left Esurance to switch.

  7. Melody Yang

    Here’s my info. From Lewiston, Maine. Got car insurance prices from AIG Insurance, Safeco, and a few others for my Volkswagen and am saving around $230 a year. I got a quote from their website.

  8. Shawnda Lindsey

    Located in Milwaukee, Wisconsin. Went online for free insurance quotes for a 2014 Volkswagen Jetta GLI. Ended up at about $270 savings annually. Went with Progressive. Just go online and compare their rates.

  9. Celina Mayo

    I drive uninsured.

  10. Lean Sharp

    Is State Farm or Erie cheap in Henderson, NV?

  11. Kurt Merritt

    Live in the northern part of Overland Park, Kansas. I compared lots of rates. Saved roughly $70 a month. Progressive was the best choice for me. Was with AAA. Teenage drivers are expensive!