Cheap 2012 Volkswagen Jetta SportWagen Car Insurance Rates

Trying to find low-cost insurance for a Volkswagen Jetta SportWagen can turn out to be an all-consuming task, but you can learn our auto insurance buying tips to save time.

There are both good and bad ways to buy auto insurance and you need to know the quickest way to compare rates for your Volkswagen and get the lowest possible price either online or from local insurance agents.

It’s a good idea to shop coverage around periodically because rates trend upward over time. If you had the best price on Jetta SportWagen coverage a few years ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you’re about to learn the fastest and easiest way to find better coverage at a better price.

How to Compare Insurance Coverage Costs

Getting a cheaper price on 2012 Volkswagen Jetta SportWagen insurance is not a difficult process. The only thing you need to do is invest a little time to compare rate quotes online from several insurance companies. This can be accomplished in a couple of different ways.

  1. The most efficient way to get quotes is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing multiple quote forms for each company you want a rate for. In just a few minutes this one form gets you coverage quotes from many national carriers. It’s definitely the quickest method.
  2. A more difficult way to find lower rates consists of going to each company’s website and complete a new quote form. For sake of this example, we’ll pretend you want rates from Nationwide, Liberty Mutual and Allstate. You would have to go to every website and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
  3. The least efficient way of comparing rate quotes is driving around to different agent offices. The ability to buy insurance online has reduced the need for local agents unless you require the professional advice only provided by licensed agents. It is possible to get prices online but buy from a local insurance agent and we’ll talk about that later.

It’s up to you how you get prices quotes, just make sure you use exactly the same quote information with every price quote. If you enter different liability limits then you won’t be able to make a fair comparison for your Volkswagen Jetta SportWagen.

Cut your premium with discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available to cut the cost considerably. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be asked about prior to getting the savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Defensive Driver – Completing a course teaching defensive driving skills could save 5% or more if your company offers it.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can get savings up to 30%.
  • Student Driver Training – Have your child take driver’s ed class in school.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The discount lasts up to age 25.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will bring down the cost of coverage.

Insurance companies that may have these money-saving discounts are:

Double check with each company what discounts are available to you. All car insurance discounts might not be offered in your state.

What is the best insurance coverage?

When buying the right insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.

  • Should I bundle my homeowners policy with my auto?
  • Am I covered by my spouse’s policy after a separation?
  • What is an SR-22 filing?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered if I crash into my own garage door?
  • Am I covered if I break a side mirror?
  • Why do I only qualify for high-risk insurance?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Car insurance coverage information

Learning about specific coverages of a insurance policy can be of help when determining the best coverages for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, hail damage, rock chips in glass and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive 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.

Liability coverages

Liability insurance protects you from damage or injury you incur to a person or their property. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like structural damage, medical expenses, legal defense fees and court costs. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like nursing services, funeral costs, rehabilitation expenses, prosthetic devices and pain medications. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision insurance

Collision insurance will pay to fix damage to your Jetta SportWagen caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like backing into a parked car, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Volkswagen Jetta SportWagen.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Never pay more for less

When you buy insurance online, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where an insured cut comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage for the lowest price.

We just showed you a lot of ways to save on 2012 Volkswagen Jetta SportWagen insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. Drivers may discover the best price on car insurance is with some of the smallest insurance companies.

Insureds who switch companies do it for a number of reasons such as being labeled a high risk driver, high prices, policy non-renewal and even delays in paying claims. Regardless of your reason for switching companies, switching companies is less work than it seems.

Much more information about car insurance is available below: