Cheaper 2014 Volkswagen Jetta Hybrid Car Insurance Quotes

Trying to find better car insurance rates for your Volkswagen Jetta Hybrid? High-priced Volkswagen Jetta Hybrid insurance can take a big chunk out of your monthly budget and make it hard to pay other bills. Getting a rate comparison is a smart way to lower your bills every month.

With so many online and local companies to choose from, it’s nearly impossible to find the best insurer.

It’s important to check car insurance prices quite often due to the fact that insurance rates change regularly. Even if you think you had the lowest rate on Jetta Hybrid insurance at your last renewal other companies may now be cheaper. You’ll find a ton of advice on car insurance on the web, but you can learn the best ways to lower your car insurance rates.

Discounts for cheaper insurance coverage rates

Car insurance companies do not list the entire discount list very clearly, so the list below details some of the more common and the more hidden credits available to bring down your rates.

• Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft and will save you 10% or more.
• Paperless Signup – Some insurance coverage companies will give you a small discount for buying your policy on the internet.
• Federal Government Employee – Federal government employees can save as much as 8% on Jetta Hybrid insurance but check with your company.
• Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you a small discount if you purchase some life insurance too.
• More Vehicles More Savings – Having several vehicles on the same insurance coverage policy could earn a price break for each car.
• Drive Safe and Save – Accident-free drivers could pay up to 40% less on Jetta Hybrid insurance than less cautious drivers.
• Auto/Home Discount – If you insure your home and vehicles and insure them both with the same insurance company you will save up to 20% off your total premium.
• Defensive Driver Discount – Completing a class that teaches safe driver techniques is a good idea and can lower rates and make you a better driver.
• Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiring. Ten percent is about the average savings.
• Air Bags and Passive Restraints – Factory air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.

As is typical with insurance, most credits do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like you could get a free insurance coverage policy, it’s just not the way it works. Any qualifying discounts should help lower your policy cost.

To locate companies that offer the discounts shown above, click here to view.

How to compare free insurance quotes

There are a lot of ways to compare insurance quotes, but one way is easier and takes less work. You can spend your afternoon talking to insurance agencies in your area, or you could save time and use online quoting to maximize your effort.

Many companies participate in a marketplace that enables customers to submit their information once, and each company provides a quote based on the submitted data. This prevents consumers from doing quote requests for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The single downside to using this type of system is that you can’t choose the providers to receive prices from. If you wish to select specific providers to compare rates, we have assembled a list of insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make sure you compare apples-to-apples coverages for every quote you compare. If each company quotes unequal deductibles or liability limits it will be next to impossible to determine which company has the best rates.

How insurers calculate Volkswagen Jetta Hybrid insurance prices

Consumers need to have an understanding of some of the elements that play a part in calculating your insurance rates. When consumers understand what determines premiums, this enables you to make decisions that can earn you big savings.

• High deductibles lower prices – Deductibles for physical damage state the amount of money you are required to spend before your insurance pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some coverage claims are colliding with a stationary object, animal collisions, and damage caused by road hazards. The more of the claim you’re willing to pay, the lower your rates will be on Jetta Hybrid insurance.
• Your career may increase prices – Did you know your insurance rates can be affected by your occupation? Occupational choices like military personnelairline pilots and miners tend to have higher premiums than the average policyholder because of high stress and long work days. On the other hand, careers like professors, historians and homemakers generally pay rates lower than average on Jetta Hybrid insurance.
• How much liability protection – The liability section of your policy is the protection if you are determined to be liable for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to comp and collision, so do not cut corners here.
• How many coverages with the same company – Lots of insurance companies give better rates for people who buy several policies from them. It’s known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even if you’re getting this discount it’s still a good idea to check prices from other companies to ensure the best deal. Drivers may still save money even if you have your coverage with different companies
• Premiums are affected by your credit history – Credit rating will be a significant factor in your rate calculation. If your credit score can be improved, you could save money insuring your 2014 Volkswagen Jetta Hybrid by spending a little time repairing your credit. Insureds that have very high credit ratings tend to be more responsible and file fewer claims than drivers with poor credit scores.
• Never let your insurance policy lapse – Not having insurance can get your license suspended and companies may charge more for letting your coverage have a gap. Not only will rates go up, getting caught without coverage will get you fines or a revoked license. You may then have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
• An active insurance claims history can cost you more – Companies give cheaper rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• Responsible drivers pay better rates – Whether or not you get tickets has a big impact on rates. Only having one citation could increase your next policy renewal by as much as thirty percent. Careful drivers get better prices as compared to those with violations. Drivers unfortunate enough to have dangerous citations such as hit and run, DWI or reckless driving convictions might be required by their state to complete a SR-22 with their state in order to keep their license.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions could help you determine if your situation would benefit from an agent’s advice.

• Does having multiple vehicles earn me a discount?
• Is my custom paint covered by insurance?
• Should I drop comprehensive coverage on older vehicles?
• Should I have combined single limit or split liability limits?
• Do I need to file an SR-22 for a DUI in my state?
• Where can I get insurance after a DUI in my state?
• How much liability coverage do I need in my state?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Is there deception in advertising?

Consumers can’t get away from ads that promise big savings for switching from the likes of Progressive, Geico, Allstate and State Farm. They all seem to advertise the message of big savings if you switch your policy.

How does each company cost less than your current company?

Different companies require specific criteria for the type of customer that will not have excessive claims. For instance, this type of risk profile may be over age 30, owns a home, and drives a car with an anti-theft system. A propective insured who matches that profile may get the lowest car insurance rates and will most likely save if they switch.

Drivers who don’t meet this stringent profile must pay higher premiums with the end result being business going elsewhere. The ads say “customers who switch” not “everyone that quotes” save that kind of money. That’s why companies can truthfully state the savings.

Each company has different criteria, so drivers should get price quotes at each policy renewal. It’s impossible to know the company that will give you the biggest savings.

Insurance policy coverages for a 2014 Volkswagen Jetta Hybrid

Learning about specific coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a deer, a broken windshield and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage pays for damage to your Jetta Hybrid caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, colliding with another moving vehicle, hitting a parking meter, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your 2014 Volkswagen Jetta Hybrid.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Liability coverages

This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as legal defense fees, attorney fees, pain and suffering, structural damage and loss of income. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses like surgery, prosthetic devices, rehabilitation expenses, dental work and nursing services. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

You can do this!

Lower-priced car insurance can be purchased from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide rates over the internet and many times these regional insurance providers sell through local independent agencies.

When you buy insurance online, do not skimp on coverage in order to save money. In many instances, drivers have reduced uninsured motorist or liability limits only to regret that they should have had better coverage. Your goal should be to buy enough coverage at an affordable rate while still protecting your assets.

To learn more, feel free to visit the following helpful articles:

• Vehicle Insurance in the U.S. (Wikipedia)
• Determing Auto Insurance Rates (Geico)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)