Lower Your 2014 Volkswagen Jetta SportWagen Car Insurance Cost

Searching for lower insurance coverage rates? Consumers have lots of choices when looking for low-cost Volkswagen Jetta SportWagen insurance. They can either waste time calling around trying to get quotes or save time using the internet to find the lowest rates. There is a better way to compare insurance coverage rates so you’re going to learn the proper way to compare rates for your Volkswagen and locate the best price possible from local insurance agents and online providers.

It is always a good idea to get comparison quotes as often as possible because rates are adjusted regularly by insurance companies. Just because you found the best premium rates for Jetta SportWagen coverage two years ago you can probably find a better price now. There is too much inaccurate information about insurance coverage online but in just a couple of minutes you can learn some guaranteed methods to put money back in your pocket.

Buying car insurance is quite easy. If you have car insurance now, you will be able to lower your premiums substantially using this information. Drivers just need to learn the best way to get comparison rates over the internet.

Compare insurance coverage rates

Most of the larger companies like Progressive, Allstate and GEICO give prices for coverage on their websites. Comparing prices online is pretty easy as all you need to do is type in your required coverages on the page. When the form is submitted, the system automatically orders your driving and credit reports and returns a price based on the data you entered.

Online quotes helps simplify price comparisons, but the work required to visit several different sites and complete many quote forms can get tiresome after awhile. But it’s necessary to perform this step in order to get the best price on insurance coverage.

The smarter way to find cheaper rates uses one simple form that analyzes rates from many companies. The form is fast, helps eliminate reptitive entry, and makes price shopping online much simpler. Immediately after submitting the form, it is rated and you are able to buy your choice of the quotes returned. If you find a better price you simply finish the application and purchase the new policy. The whole process only takes a few minutes and could lower your rates considerably.

To save time and find out how much you’re overpaying now, simply click here to open in new window and submit the form. To compare your current rates, we recommend you complete the form with the limits and deductibles as close as possible to your current policy. This ensures you will receive comparison quotes using the exact same coverages.

These discounts can reduce auto insurance rates

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time you complete a quote, but some must be asked for before being credited.

  • Good Student Discount – Excelling in school could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
  • Own a Home and Save – Simply owning a home can save you money since owning and maintaining a home requires personal responsibility.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
  • Discount for Life Insurance – If the company offers life insurance, you could get a discounted price on car insurance if you buy auto and life insurance together.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course as it can save substantially.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have several vehicles with one company qualifies for this discount.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving could save 15% on the premium charged for medical payments and/or PIP.
  • Government Employee Discount – Simply working for the federal government can earn a discount up to 10% for Jetta SportWagen coverage depending on your company.
  • Military Rewards – Having an actively deployed family member could mean lower rates.
  • Memberships – Joining specific professional or occupational memberships or organizations could trigger savings when getting a insurance quote.

You should keep in mind that some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, you aren’t that lucky. Any amount of discount will help lower your policy cost.

A few of the larger companies and some of the premium reductions they offer are shown below.

  • The Hartford policyholders can earn discounts including air bag, driver training, bundle, vehicle fuel type, anti-theft, defensive driver, and good student.
  • American Family may include discounts for TimeAway discount, Steer into Savings, bundled insurance, good driver, and multi-vehicle.
  • Progressive may have discounts that include multi-vehicle, continuous coverage, multi-policy, online quote discount, and online signing.
  • Travelers offers premium reductions for driver training, multi-policy, continuous insurance, multi-car, home ownership, early quote, and good student.
  • Farmers Insurance offers discounts for early shopping, alternative fuel, good student, business and professional, youthful driver, and switch companies.
  • USAA includes discounts for military installation, defensive driver, family discount, safe driver, new vehicle, multi-vehicle, and annual mileage.
  • Liberty Mutual discounts include multi-car, new graduate, hybrid vehicle, safety features, and multi-policy.

Before purchasing a policy, check with all the companies which credits you are entitled to. Some credits might not be available to policyholders in your area. To see a list of insurance companies that have a full spectrum of discounts, click here.

When do I need an agent’s advice?

When it comes to buying the best insurance coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine whether you may require specific advice.

  • Is my babysitter covered when using my vehicle?
  • When would I need rental car insurance?
  • I don’t drive much so do I pay less?
  • Does liability extend to a camper or trailer?
  • Is my ex-spouse still covered by my policy?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Insurance specifics

Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Liability coverages – This coverage provides protection from injuries or damage you cause to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as emergency aid, repair bills for other people’s vehicles, funeral expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Collision – This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, scraping a guard rail, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive insurance – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like falling objects, rock chips in glass, a broken windshield and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Volkswagen Jetta SportWagen.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as hospital visits, X-ray expenses, nursing services and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Comments About 2014 Volkswagen Jetta SportWagen Insurance

  1. Michel Waters

    Cheap is relative. Located in Little Rock, AR. Got prices from Allstate, American Family, Erie, and Hanover for my Volkswagen and I think I am saving around $60 each month. It’s still not cheap enough.

  2. In Harrington

    Do I have to carry car insurance in Kentucky?

  3. Michelle Hurley

    I got decent rates for a 2014 Volkswagen Jetta SportWagen in Great Falls, Montana. Ended up at roughly $460 every six months with AIG Insurance. Insured with American Family before. Thankfully I’m not a high risk driver.

  4. Anjelica Pope

    Here’s my quote info. I’m in the suburbs of Springfield, Massachusetts. Checked online prices for a 2014 Volkswagen Jetta SportWagen. Ended up at about $450 savings annually. Went with 21st Century. I got a quote from their website.

  5. Normand Roberson

    Well-written and thought out article. From Green Bay, WI. Got car insurance quotes with Hartford, American Family, MetLife, and a couple others for my Jetta SportWagen and I think I cut my rates about $30 each month. Insured with GMAC before. Good multi-policy discounts.

  6. Felix Garza

    Thanks for putting this site together. I’m just north of Jersey City, New Jersey. I compared lots of rates. Saved about $50 a month. State Farm was the most affordable for me. Switched homeowners coverage too. Might find lower rates online.

  7. Kaylee Cash

    From Spokane, WA. Went online for free insurance quotes for a 2014 Volkswagen Jetta SportWagen. Ended up at about $540 savings annually. Went with 21st Century. Was with Allstate.

  8. Alicia Schroeder

    2014 Volkswagen Jetta SportWagen + State Farm = GOOD RATES!

  9. Katy Neal

    IT’S ALL TOO EXPENSIVE! I live just to the east of Anchorage, AK. Went online for free insurance quotes for a 2014 Volkswagen Jetta SportWagen. Ended up at about $560 savings annually. Went with GEICO. Was with Hartford. BTW speeding tickets are not good. Bought it from an online quote.

  10. Josue Diaz

    If you have a clean record and live around Tacoma, Washington, check out State Farm. I saved quite a bit. Was with GMAC.