2014 Volkswagen Jetta Car Insurance Rates

Searching for better auto insurance rates for your Volkswagen Jetta? Paying for expensive Volkswagen Jetta insurance can bottom out your accounts and make it tough to pay other bills.

Companies like GEICO, 21st Century and Progressive continually hit you with catchy ads and it can be hard to ignore the flashy ads and effectively compare rates to find the best deal.

You need to do rate comparisons once or twice a year since rates are adjusted regularly by insurance companies. Even if you got the best premium rates for Jetta coverage six months ago you can probably find a better price now. You’ll find a ton of advice on auto insurance out there, but in this article, you’re going to get some of the best techniques to lower your auto insurance rates.

If you currently have car insurance, you should be able to save some money using these tips. Buying car insurance is quite easy. Nevertheless, consumers do need to know how companies sell online because it can help you find the best coverage.

Take advantage of these discounts

Car insurance can cost a lot, but there could be available discounts to help offset the cost. Certain reductions will be credited when you complete an application, but some need to be asked about before you get the savings. If you aren’t receiving every discount you qualify for, you could be getting lower rates.

  • Service Members Pay Less – Being on active deployment in the military could trigger a small discount.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off for Jetta coverage but check with your company.
  • No Claim Discounts – Drivers who don’t have accidents get the best auto insurance rates compared to insureds who have frequent claims or accidents.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you will save as much as 10 to 15 percent.
  • Savings for New Vehicles – Buying a new car model can save you some money because new vehicles have to meet stringent safety requirements.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle their seat belts could cut 10% or more off PIP or medical payments premium.

Don’t be shocked that most discounts do not apply to all coverage premiums. Most cut specific coverage prices like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, nobody gets a free ride. Any qualifying discounts will lower your overall bill.

Companies and their offered discounts are outlined below.

  • State Farm offers premium reductions for driver’s education, multiple policy, anti-theft, multiple autos, accident-free, Drive Safe & Save, and student away at school.
  • Nationwide offers discounts including easy pay, multi-policy, family plan, business or organization, Farm Bureau membership, accident-free, and anti-theft.
  • GEICO has savings for seat belt use, driver training, military active duty, anti-lock brakes, and federal employee.
  • AAA may have discounts that include multi-policy, AAA membership discount, good student, pay-in-full, multi-car, education and occupation, and anti-theft.
  • 21st Century may include discounts for good student, teen driver, automatic seat belts, driver training, homeowners, and defensive driver.
  • The Hartford discounts include defensive driver, anti-theft, bundle, driver training, and good student.

When getting a coverage quote, ask each company or agent which discounts they offer. All car insurance discounts may not apply in your area.

Buy insurance online

When comparison shopping, there are several ways to compare rate quotes from different insurance companies. By far the easiest way to lower the rate you pay for Volkswagen Jetta insurance is to get quotes online. This can be accomplished using a couple different methods.

  1. If you don’t have a lot of time, the easiest way consumers can analyze rates is a comparison rater form click to view form in new window. This easy form saves time by eliminating boring form submissions for every company. A single, simple form compares rates instantly.
  2. A slightly less efficient method to analyze rates is spending the time to visit the website for each individual company and request a quote. For instance, let’s assume you want to compare rates from GEICO, Allstate and Farmers. You would have to take the time to go to each site and repeatedly enter your information, which can get rather old. For a handy list of car insurance company links in your area, click here.
  3. The least efficient way to get comparison rates is calling or driving to all the different insurance agencies. Comparing rates online eliminates the middleman unless you’re the type of person who wants the extra assistance of a local agency. You can, however, comparison shop your insurance online and still use a local agent.

It’s up to you which method you use, but make darn sure you compare apples-to-apples coverage limits for each price quote. If each company quotes different values for each quote then you won’t be able to determine which rate is truly the best. Just a small difference in insurance coverages or limits can mean a large discrepancy in price. Keep in mind that comparing more company’s prices gives you a better chance of getting the best price.

Get cheap insurance costs by understanding these factors

A large part of saving on insurance is knowing the rating factors that are used to determine the rates you pay for insurance. If you have a feel for what determines base rates, this allows you to make good choices that may reward you with lower rates. Lots of factors are used when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, although others are less apparent such as whether you are married or how safe your car is.

The itemized list below are just a few of the factors insurance companies consider when setting your rates.

  • Don’t buy extra coverages you don’t need – There are a lot of additional coverages that you can buy if you don’t pay attention. Add-on coverages like replacement cost coverage, towing, and membership fees could be just wasting money. These may sound like a good investment when you first buy your policy, but if you’ve never needed them in the past eliminate them to save money.
  • Do you qualify for a multi-policy discount? – Lots of insurance companies afford better rates to policyholders that have more than one policy. It’s known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to check prices from other companies to help ensure you have the lowest rates. Consumers may save even more than the discount by buying insurance from a different company.
  • Cheaper premiums for prior coverage – Driving any period of time without insurance is not a good idea and you will pay a penalty because you let your insurance expire. Not only will rates go up, being ticketed for driving with no insurance may earn you a fine, jail time, or a revoked license.
  • Employer stress can make you pay more – Careers such as lawyerspolice officers and emergency personnel usually pay the highest rates because of intense work situations and incredibly demanding work hours. On the other hand, careers such as scientists, historians and performers have the lowest average rates for Jetta coverage.
  • Too many insurance claims will drive premiums up – Insurance companies generally give cheaper rates to drivers who are not frequent claim filers. If you’re an insured who likes to file claims you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is intended for larger claims.

Special considerations

When buying coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions may help you determine whether or not you could use an agent’s help.

  • Can I drive in Mexico and have coverage?
  • Should I bundle my homeowners policy with my auto?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my 2014 Volkswagen Jetta covered for flood damage?
  • Can I afford low physical damage deductibles?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Will I lose any money if I cancel my policy before it expires?
  • How much liability do I need to cover my assets?
  • Is my state a no-fault state?
  • Is a blown tire covered by insurance?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Insurance coverage considerations

Knowing the specifics of insurance can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on most insurance policies.

Coverage for medical payments

Med pay and PIP coverage kick in for bills for things like X-ray expenses, funeral costs, doctor visits, chiropractic care and surgery. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hail damage, damage from flooding, theft and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a building, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Jetta.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Liability coverages

Liability coverage provides protection from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as structural damage, loss of income and legal defense fees. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

The best insurance company isn’t always the cheapest

There are still a few companies who may not offer online rate quotes and most of the time these smaller companies sell through independent agents. Cheaper 2014 Volkswagen Jetta insurance is possible online and from local insurance agents, so you should compare both in order to have the best chance of saving money.

We just covered many ways to compare 2014 Volkswagen Jetta insurance premium rates online. The most important thing to understand is the more you quote insurance, the better chance you’ll have of finding low cost insurance. You may even find the most savings is with the least-expected company. These companies may only write in your state and offer lower prices than the large multi-state companies such as State Farm or Progressive.

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Comments About 2014 Volkswagen Jetta Insurance

  1. Ilda Cummings

    Cheap car insurance? What’s that? I’m from Nashville, TN. Quoted quotes with State Farm, Auto-Owners, Farmers, and The General for my Jetta and saved $222 a year. Was with The General.

  2. Kristina Riley

    Cheap is not always the best policy. I live on the east side of Miami, Florida. Quoted with Progressive, Amica, and some I forget for my Volkswagen and I think I cut my rates about $40 each month.

  3. Corinne Sanford

    GEICO was cheapest for my 2014 Volkswagen Jetta in South Burlington, Vermont.

  4. Beulah Ware

    I’m in Phoenix, AZ. Compared rates from a lot of places. Saved darn near $20 a month. GEICO was the most affordable for me. Hopefully won’t need it.

  5. Misty Greene

    From a town just southwest of Springfield, MO. Can’t remember who all I quoted but I ended up saving about $40 each month. Was with USAA. I got a quote from their website.

  6. Florentina Cotton

    I’m in Portland, Maine, and 21st Century rates were affordable. Thankfully I’m not a high risk driver. Might find lower rates online.

  7. Robbyn Velasquez

    Good detail in your article. I live on the west side of Concord, New Hampshire. I don’t recall every quote but I ended up saving about $40 each month.

  8. Sonya Hardy

    I live in a small town just outside of Charleston, WV. Compared quite a few companies. Saved right around $20 a month. Allstate was the most affordable for me.

  9. Stephine Lyons

    I’m in the south part of Houston, Texas and for me Allstate had the lowest quote. They offer free online rate quotes.

  10. Lorean Blake

    Not sure if this is cheap. From a town just southwest of Worcester, MA. Can’t remember who all I quoted but I ended up saving about $60 each month. Left Nationwide to switch. They were helpful in switching over.

  11. Patrick Dixon

    Progressive and State Farm were both pretty cheap in Aberdeen, SD.

  12. Maple Keith

    I compared a lot of rate quotes for a 2014 Volkswagen Jetta in Springfield, MO. Ended up at roughly $580 every six months with AAA. Did it all online.

  13. Virgil Camacho

    Progressive quoted the best rates in Maine.