2010 Volkswagen Jetta Insurance Cost

Want cheaper insurance coverage rates for your Volkswagen Jetta? I can’t think of anyone who enjoys paying for insurance coverage, in particular when their premiums are through the roof. There are many car insurance companies to pick from, and although it’s nice to be able to choose, having more insurance companies makes it harder to find the lowest cost provider.

It’s a good idea to compare prices every six months because prices fluctuate regularly. Despite the fact that you may have had the best price on Jetta insurance six months ago you will most likely find a better rate today. Starting now, block out anything you think you know about insurance coverage because we’re going to show you one of the easiest ways to lower your annual insurance bill.

Finding Car Insurance

Finding a better price on car insurance is surprisingly easy. All you need to do is take time comparing rate quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. One of the best ways to get quotes for comparison is a comparison rater form (click to open form in new window). This method keeps you from doing a different quote for every car insurance company. Taking the time to complete one form will return price quotes instantly.
  2. A more time consuming way to get quotes online is to take the time to go to the website for every company you want to comare and fill out their own quote form. For example, we’ll pretend you want rates from Liberty Mutual, Allstate and American Family. To get rate quotes you would need to go to every website and enter your information, which is why the first method is quicker. To view a list of companies in your area, click here.
  3. The least efficient way to get comparison rates is driving around to different agent offices. Shopping for car insurance online has reduced the need for local agents unless you want the professional advice that only a license agent can provide. However, consumers can get the lowest quotes online but buy from a local insurance agent and we’ll touch on that later.

Whichever way you use, double check that you are using exactly the same coverage information on every quote you get. If you use differing limits it will be impossible to determine the lowest rate for your Volkswagen Jetta.

Save with discounts on Volkswagen Jetta insurance

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be applied when you quote, but a few must be specially asked for before they will apply. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to your current policy expiring. The savings is around 10%.
  • One Accident Forgiven – Some insurance companies permit an accident before your rates go up as long as you don’t have any claims for a set time period.
  • Multiple Cars – Buying coverage for all your vehicles on the same auto insurance policy could earn a price break for each car.
  • Clubs and Organizations – Affiliation with a qualifying organization could trigger savings when buying auto insurance on Jetta insurance.
  • Save with a New Car – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Life Insurance – Larger companies have lower rates if you buy auto and life insurance together.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will bring down your premiums.

To see a list of providers with discount auto insurance rates, click this link.

Tailor your coverage to you

When choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. For example, these questions may help you determine if your insurance needs would benefit from professional advice.

  • How many claims can I have before being cancelled?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my policy pay for OEM or aftermarket parts?
  • How much liability insurance is required?
  • When should my teen driver be added to my policy?
  • What is medical payments coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Volkswagen Jetta rates influenced by many factors

An important part of buying insurance is that you know the factors that go into determining the rates you pay for insurance. Having a good understanding of what determines base rates helps enable you to make changes that could result in big savings.

Listed below are a partial list of the pieces that factor into premiums.

  • Do men or women drive better? – The statistics show women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Women and men have accidents at about the same rate, but men tend to have more serious accidents. Men also get more serious tickets like DUI and reckless driving.
  • Your occupation can affect rates – Jobs such as real estate brokers, executives and financial analysts are shown to have higher average rates attributed to stressful work requirements and lots of time spent at work. Conversely, professions such as actors, engineers and the unemployed pay the least on Jetta insurance.
  • High deductibles save money – Deductibles for physical damage represent how much money you are required to spend in the event of a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims would be colliding with a building, damage caused by hail, or theft. The more you’re willing to pay, the less your company will charge you for insurance on Jetta insurance.
  • Do you need those extra coverages? – There are a lot of additional coverages that can waste your money if you aren’t careful. Insurance for rental car reimbursement, accident forgiveness and term life insurance are some examples. These may sound like a good investment when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Do you qualify for a multi-policy discount? – Most insurance companies provide better rates to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, it’s in your best interest to compare other company rates to verify if the discount is saving money. You may still be able to find better rates by splitting coverages up.
  • Save money with special equipment – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Drive less and save money – The more you drive in a year the higher your rate. Most companies apply a rate based upon how you use the vehicle. Autos that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your insurance policy is rated on the correct driver usage, because it can save money. If your policy improperly rates your Jetta may be wasting your money.
  • Big city or small town – Choosing to live in a rural area can save you money when buying insurance. City drivers tend to have traffic congestion and much longer commute distances. Fewer drivers means fewer accidents and also fewer theft and vandalism claims.

Insurance coverages 101

Having a good grasp of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.

Comprehensive protection

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from flooding, a broken windshield, damage from getting keyed, falling objects and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as pain medications, nursing services and funeral costs. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Volkswagen Jetta.

Since a lot of drivers 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 is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Collision coverage protection

This pays for damage to your Jetta caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like rolling your car, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as attorney fees, court costs and medical services. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Final thoughts

When you buy insurance online, do not buy poor coverage just to save money. There are many occasions where drivers have reduced collision coverage and learned later that it was a big mistake. Your goal should be to find the BEST coverage at the best price while still protecting your assets.

You just read a lot of techniques to reduce 2010 Volkswagen Jetta insurance prices online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest priced auto insurance comes from the least-expected company. These companies often have lower prices on specific markets than their larger competitors like State Farm and Allstate.

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