Cheap 2012 Volkswagen Jetta Car Insurance Quotes

Trying to find lower auto insurance rates for your Volkswagen Jetta? Confused by the wide range of auto insurance company choices? Lot’s of other consumers are too. You have so many options that it can be a lot of work to find better rates.

Buying the cheapest insurance coverage coverage can be fairly easy. In a nutshell, everyone who is required by state law to have insurance coverage most likely will be able to lower their premiums. Although consumers must know how companies determine prices because it can help you find the best coverage.

Factors that can influence insurance rates for a Volkswagen Jetta

It’s important that you understand the factors that help determine the price you pay for insurance coverage. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get big savings.

  • Cautious drivers pay less – Even one speeding ticket may increase your cost twenty percent or more. Drivers with clean records get better rates compared to drivers with tickets. If you have flagrant violations such as hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • Men fork out a little more – Statistics have proven that women are safer drivers than men. However, this does not mean women are better drivers. Women and men are in accidents in similar numbers, but men have costlier accidents. Men also receive more costly citations like DUI and reckless driving. Young males are several times more likely to be in an accident and thus pay the highest rates.
  • More miles equals more premium – The more miles you rack up on your Volkswagen every year the more you will pay for insurance coverage. The majority of insurers rate vehicles based on their usage. Autos that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Jetta may be costing you. Verify your insurance coverage policy is rated on how each vehicle is driven.
  • Lower rates come with age – Older drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets. Teen drivers tend to be more careless behind the wheel and because of this, their insurance coverage rates are much higher.
  • Protect yourself with liability coverage – The liability section of your policy provides coverage if ever a jury decides you are liable for personal injury or accident damage. It will provide for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Do you work long hours in a high stress job? – Jobs such as lawyers, executives and dentists have the highest average rates because of stressful work requirements and lots of time spent at work. Other professions such as scientists, historians and the unemployed get better rates for Jetta insurance.
  • Your location is important – Living in a rural area can be a good thing when insuring your vehicles. City drivers have much more traffic and longer commute times. Fewer people means reduced accidents as well as less vandalism and auto theft.

Discounts mean cheaper 2012 Volkswagen Jetta insurance rates

The price of auto insurance can be rather high, buy you may qualify for discounts that can drop the cost substantially. Some trigger automatically when you get a quote, but some must be manually applied before being credited.

  • Drive Less and Save – Fewer annual miles on your Volkswagen could qualify for lower rates on the low mileage vehicles.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. This discount can apply up to age 25.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Paperless Signup – Certain companies will give a small break for buying your policy on their website.
  • No Claims – Drivers with accident-free driving histories can earn big discounts when compared to bad drivers.
  • Discount for Life Insurance – Larger companies have a discount if you purchase life insurance from them.

Keep in mind that some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will help reduce your overall premium however.

To see a list of providers offering insurance coverage discounts, click here to view.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • How many claims can I have before being cancelled?
  • Are my friends covered when driving my 2012 Volkswagen Jetta?
  • Which is better, split liability limits or combined limits?
  • How much liability do I need to cover my assets?
  • How high should my medical payments coverage be?
  • Are all vehicle passengers covered by medical payments coverage?
  • Will filing a claim cost me more?
  • Does coverage extend to Mexico or Canada?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverages

Knowing the specifics of a car insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, falling objects, damage from getting keyed, theft and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like X-ray expenses, EMT expenses, funeral costs and hospital visits. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 2012 Volkswagen Jetta.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability coverages

This provides protection from damages or injuries you inflict on people or other property. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as emergency aid, funeral expenses, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

A penny earned…

Lower-priced 2012 Volkswagen Jetta insurance can be sourced both online in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped full coverage only to regret that they should have had better coverage. Your strategy should be to buy enough coverage at an affordable rate.

Insureds who switch companies do it for many reasons like policy cancellation, lack of trust in their agent, questionable increases in premium or even unfair underwriting practices. It doesn’t matter what your reason, choosing a new insurance company is not as hard as you think.

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