View 2013 Volkswagen Jetta SportWagen Car Insurance Rates

Want the cheapest auto insurance rates for your Volkswagen Jetta SportWagen? Tired of being strong-armed each month for car insurance? Your situation is no different than the majority of other car owners. Popular companies such as Geico, 21st Century and Progressive continually hit you with advertising and it is difficult to ignore the promise of big savings and effectively compare rates to find the best deal.

If you have insurance now or are shopping for new coverage, you can use this information to reduce the price you pay and still get good coverage. Buying car insurance is quite easy. Consumers just need to understand the proper way to shop their coverage around on the web.

How to Get Insurance

Comparing insurance rates can be exhausting if you don’t know the best way to get rate quotes. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could use the internet to get rate comparisons in just a few minutes.

All the larger companies belong to an insurance system where prospective buyers submit their information once, and each participating company then gives them pricing for coverage. This eliminates the need for repetitive form submissions for every insurance company.

To use this form to compare 2013 Volkswagen Jetta SportWagen insurance rates click here (opens in new window).

One minor caviat to comparing rates this way is you cannot specify the insurers to get quotes from. So if you prefer to choose specific insurance companies for rate comparison, we have assembled a list of companies who write insurance in your area. Click here to view list.

Which method you use is up to you, but ensure you’re using apples-to-apples deductibles and coverage limits with every price quote. If you have mixed coverages it will be next to impossible to truly determine the lowest rate.

Discounts on 2013 Volkswagen Jetta SportWagen insurance

Companies offering auto insurance do not list every available discount in an easy-to-find place, so we break down some of the more common as well as the least known discounts you could be receiving. If they aren’t giving you every credit possible, you are paying more than you should be.

Discount for Swiching Early – A few companies offer discounts for signing up before your current policy expires. The savings is around 10%.
Save over 55 – If you’re over the age of 55, you may receive a discount up to 10% for Jetta SportWagen insurance.
Low Mileage Discounts – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
Lower Rates for Military – Having a family member in the military can result in better rates.
Federal Employees – Active or retired federal employment may qualify you for a discount for Jetta SportWagen insurance with certain companies.
Distant Student – Youth drivers who are attending college and don’t have a car can be insured at a reduced rate.
Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
Accident Forgiveness – Some insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.

It’s important to understand that most credits do not apply to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky.

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

Tailor your coverage to you

When buying the best insurance coverage coverage, there really is no “perfect” insurance plan. Every situation is different and your policy should reflect that. For instance, these questions might help in determining if your insurance needs may require specific advice.

If I drive on a suspended license am I covered?
Can my babysitter drive my car?
Is my state a no-fault state?
What discounts do I qualify for?
Who is covered when they drive my 2013 Volkswagen Jetta SportWagen?
Can I still get insurance after a DUI?
Am I better off with higher deductibles on my 2013 Volkswagen Jetta SportWagen?
What is high-risk coverage and where do I buy it?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to 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 can provide invaluable advice.

Insurance policy specifics

Knowing the specifics of a insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages available from insurance companies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for prosthetic devices, EMT expenses, doctor visits and dental work. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, theft, damage from flooding and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance pays for damage to your Jetta SportWagen resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability coverage

Liability insurance provides protection from damage that occurs to other people or property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things like medical expenses, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.