Compare 2013 Volkswagen Jetta Insurance Cost

Buyers have lots of choices when searching for the lowest priced Volkswagen Jetta insurance. They can either spend hours contacting agents to get rate comparisons or save time using the internet to compare rates. There are both good and bad ways to compare insurance coverage rates so we’re going to tell you the quickest way to compare rates on a Volkswagen and locate the lowest price either online or from local insurance agents.

The quickest way to compare policy rates utilizes the fact almost all companies pay for the opportunity to give you rate quotes. All you need to do is provide a little information like whether you are single or married, the year, make and model of vehicles, if it has an anti-theft system, and if you have a valid license. Your details is then submitted to all major companies and you will get price comparisons very quickly.

To start a quote now, click here and find out if you can get cheaper insurance.

Save 15 percent in 15 minutes? Is it for real?

Drivers can’t ignore all the ads for cheaper car insurance by GEICO, State Farm and Progressive. All the ads have a common claim that you can save if you change to their company.

How do they all say the same thing?

Different companies have a preferred profile for the type of driver they prefer to insure. A good example of a driver they prefer could be a mature driver, has no tickets, and drives less than 7,500 miles a year. A driver who fits that profile will get very good rates and most likely will save quite a bit of money when switching.

Consumers who fall outside these standards will be charged higher rates and ends up with business not being written. The ads state “customers who switch” not “everybody who quotes” save that kind of money. That is how insurance companies can make the claims of big savings. That is why you absolutely need to quote coverage with many companies. You cannot predict the company that will have the lowest Volkswagen Jetta insurance rates.

Discounts to lower 2013 Volkswagen Jetta insurance rates

Companies offering auto insurance don’t list every discount very well, so here is a list some of the best known and the harder-to-find discounts you could be receiving. If you don’t get every credit you qualify for, you are throwing money away.

  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for Jetta coverage than drivers with accidents.
  • Discount for Swiching Early – Some companies give discounts for signing up before your current expiration date. The savings is around 10%.
  • College Student – Youth drivers who live away from home and do not have access to a covered vehicle can receive lower rates.

It’s important to note that many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, you won’t be that lucky.

To see a list of insurance companies with the best car insurance discounts, click here to view.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique.

For example, these questions might help in determining if you may require specific advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is medical payments coverage?
  • Which companies will insure high-risk drivers?
  • Do I need PIP coverage since I have good health insurance?
  • How can I get high-risk coverage after a DUI?
  • If I drive on a suspended license am I covered?
  • What discounts do I qualify for?
  • Am I covered if I hit a deer?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Specifics of your insurance policy

Understanding the coverages of a insurance policy can help you determine the right coverages for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, vandalism, damage from flooding, a tree branch falling on your vehicle and fire damage. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Volkswagen Jetta.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for collisions

Collision insurance covers damage to your Jetta caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, colliding with another moving vehicle, crashing into a ditch, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance

This coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like emergency aid, medical expenses, medical services, funeral expenses and court costs. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as X-ray expenses, chiropractic care and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Best coverage at the best price

Discount 2013 Volkswagen Jetta insurance can be found from both online companies and with local insurance agents, and you need to price shop both to have the best rate selection. Some insurance coverage companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

You just read many ideas to compare insurance prices online. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. You may even find the lowest premiums are with a small local company.

When you buy insurance online, it’s not a good idea to skimp on coverage in order to save money. In many instances, consumers will sacrifice collision coverage only to regret at claim time that they should have had better coverage. Your goal should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

More detailed insurance coverage information can be read at these sites: