Save on 2017 Volkswagen Jetta Insurance Quotes

Looking for cheaper auto insurance rates for your Volkswagen Jetta? Finding cheaper insurance for a Volkswagen Jetta can turn out to be a painful process, but you can use a few tricks to make it easier. There is a better way to buy auto insurance and we’ll show you the best way to quote coverages for a new or used Volkswagen and obtain the lowest price from local insurance agents and online providers.

It’s important to shop coverage around on a regular basis because prices are usually higher with each renewal. Despite the fact that you may have had the lowest rates for Jetta insurance a couple years back other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re about to learn the right way to buy cheaper auto insurance.

Choosing the best insurance company for you is not that difficult. If you have insurance now or need new coverage, you can use this information to find better prices and still get good coverage. Drivers just need to know how to compare rates online.

You may qualify for discounts

Car insurance is expensive, but there are discounts available that can help lower your rates. Certain credits will be shown at the time you complete a quote, but a few must be inquired about before you will receive the discount.

• Responsible Driver Discounts – Drivers without accidents can pay as much as 50% less for Jetta insurance compared to accident prone drivers.
• Driving Data Discount – Policyholders that allow driving data collection to monitor when and where they use their vehicle through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as they are good drivers.
• Save with More Vehicles Insured – Having multiple cars on one policy qualifies for this discount.
• ABS Brakes – Cars that have steering control and anti-lock brakes have fewer accidents and therefore earn up to a 10% discount.
• Online Discount – Many car insurance companies may give you up to $50 shop insurance on their website.
• Homeowners Discount – Being a homeowner can save a few bucks since owning and maintaining a home requires a higher level of personal finance.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will help reduce your car insurance premiums.

A few popular companies and their offered discounts can be read below.

• Geico policyholders can earn discounts including defensive driver, air bags, federal employee, multi-vehicle, and driver training.
• MetLife offers premium reductions for good driver, good student, multi-policy, defensive driver, accident-free, and claim-free.
• Progressive includes discounts for good student, continuous coverage, online quote discount, online signing, and multi-vehicle.
• Travelers discounts include multi-car, early quote, good student, save driver, and new car.
• SAFECO may include discounts for homeowner, safe driver, anti-lock brakes, anti-theft, teen safety rewards, drive less, and bundle discounts.
• AAA has savings for AAA membership discount, good student, education and occupation, multi-policy, and pay-in-full.

When getting a coverage quote, ask each company what discounts are available to you. Some of the discounts discussed earlier might not be offered everywhere. For a list of car insurance companies offering car insurance discounts, click here to view.

There’s no such thing as the perfect car insurance policy

When it comes to choosing coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.

For example, these questions can aid in determining if your situation could use an agent’s help.

• Am I covered when delivering products for my home-based business?
• Are split liability limits better than a combined single limit?
• Does my policy cover me when driving someone else’s vehicle?
• Is my state a no-fault state?
• Should I put collision coverage on all my vehicles?
• Will my rates increase for filing one claim?
• What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Specific coverage details

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive car insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, vandalism and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims like emergency aid, court costs and bail bonds. 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 coverage

Collision insurance covers damage to your Jetta caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, rolling your car and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses for pain medications, ambulance fees and dental work. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

A little work can save a LOT of money

When you buy insurance online, don’t be tempted to reduce coverage to reduce premium. There are too many instances where an accident victim reduced comprehensive coverage or liability limits and learned later they didn’t have enough coverage. Your goal is to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

In this article, we presented a lot of techniques to shop for 2017 Volkswagen Jetta insurance online. The key thing to remember is the more quotes you get, the better your comparison will be. You may even discover the lowest rates come from an unexpected company.

People switch companies for a variety of reasons including denial of a claim, policy cancellation, an unsatisfactory settlement offer and being labeled a high risk driver. Whatever your reason, finding the right insurance coverage provider is easier than you think.

More information

• Auto Insurance FAQ (Farmers Insurance)
• Should I Buy a New or Used Car? (Allstate)
• Airbag FAQ (iihs.org)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)