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.
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.
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.
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.
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.
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 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.
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.
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.