Save on 2014 Volkswagen Jetta Car Insurance Quotes

Locating cheaper insurance for your Volkswagen Jetta can normally be a painful process, but you can use a few tricks and make it easy. There is a better way to buy car insurance so you’re going to learn the absolute fastest way to quote coverages for a new or used Volkswagen and find the lowest possible price from local insurance agents and online providers.

Consumers should take time to take a look at other company’s rates on a regular basis due to the fact that insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best rates for Jetta insurance two years ago you can probably find a better price now. So just forget anything you know (or think you know) about car insurance because it’s time to teach you the fastest and easiest way to find lower rates on car insurance.

Compare Quotes for Insurance Coverage

Finding lower insurance coverage rates is not rocket science. The only requirement is to spend a few minutes on the computer comparing price quotes online with multiple companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The fastest way consumers can analyze rates is a comparison rater form click here to open form in new window. This form keeps you from doing a different quote for each company. A single, simple form will get you price quotes from many national carriers. Recommended for those who want to invest the least amount of time.
  2. A different way to get quotes online consists of going to the website for every company you want to comare to complete their respective quote request forms. For instance, we’ll pretend you want to compare GEICO, 21st Century and Farmers. You would have to take the time to go to each site and enter your information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The most time-consuming method of getting rate comparisons is to spend your day driving to local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the trained guidance of a licensed agent. Drivers can compare the best prices online and still use a local agent and we’ll cover that in a bit.

It’s your choice how you get your quotes, but be sure to compare identical quote information for each price quote. If you compare different deductibles it will be next to impossible to make a fair comparison for your Volkswagen Jetta.

These discounts can lower your rates

Companies offering auto insurance don’t always list all available discounts in a way that’s easy to find, so we researched both the well known and the more hidden ways to save on auto insurance. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • No Claims – Drivers who don’t have accidents pay less compared to drivers who are more careless.
  • Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount for Jetta insurance with select insurance companies.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Auto/Home Discount – If you insure your home and vehicles with one company you will save approximately 10% to 15%.
  • Homeowners Discount – Simply owning a home can save you money because of the fact that having a home demonstrates responsibility.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way.

A partial list of companies that may offer these discounts are:

Double check with each company how you can save money. Some discounts might not be offered everywhere.

Volkswagen Jetta insurance rates can be determined by these details

It’s important that you understand the factors that help determine car insurance rates. Knowing what determines base rates empowers consumers to make smart changes that could result in big savings.

  • Where you live is a factor – Residing in a rural area is a positive aspect when talking about car insurance. Fewer drivers means reduced accidents and a lower car theft rate. City drivers have more traffic problems and longer commutes to work. More time commuting translates into higher accident risk.
  • Your spouse saves you money – Being married helps lower the price on your policy. Marriage translates into being more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Clean credit earns discounts – A driver’s credit score is a important factor in calculating your car insurance rates. If your credit history is lower than you’d like, you could pay less to insure your 2014 Volkswagen Jetta by repairing your credit. People with high credit scores tend to be more responsible than drivers with poor credit.
  • Where do you drive? – Driving more miles every year the higher your rates will be. Most companies price each vehicle’s coverage based on how the vehicle is used. Cars used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated Jetta can cost quite a bit. Double check that your car insurance coverage shows the proper vehicle usage.

Different people need different coverages

When it comes to choosing coverage, there is no best way to insure your cars. Every insured’s situation is different.

For instance, these questions might help in determining if your insurance needs would benefit from professional advice.

  • Will my rates increase for filing one claim?
  • Which is better, split liability limits or combined limits?
  • Do I need more liability coverage?
  • Is extra glass coverage worth it?
  • Is my Volkswagen Jetta covered if I use it for business?
  • Do I need added coverage for expensive stereo equipment?
  • Is business equipment covered while in my vehicle?
  • Why am I required to buy liability insurance?
  • What is the ISO rating for a 2014 Volkswagen Jetta?
  • Do I need medical payments coverage since I have good health insurance?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Car insurance coverage basics

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability coverage – Liability insurance can cover damage that occurs to people or other property. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things like emergency aid, attorney fees, loss of income, medical services and medical expenses. How much coverage you buy is up to you, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Volkswagen Jetta.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Collision – Collision insurance pays for damage to your Jetta from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, damaging your car on a curb and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as hospital visits, ambulance fees, X-ray expenses and surgery. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, hitting a deer, damage from a tornado or hurricane, fire damage and damage from getting keyed. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Stretch your dollar

You just learned a lot of tips how to compare 2014 Volkswagen Jetta insurance prices online. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. In too many instances, an accident victim reduced liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

People change insurance companies for any number of reasons including an unsatisfactory settlement offer, lack of trust in their agent, delays in responding to claim requests and even questionable increases in premium. Regardless of your reason for switching companies, switching companies can be easier than you think.

Much more information about car insurance is available below: