Save on 2013 Volkswagen Jetta Insurance Rates

If you’ve never shopped for insurance coverage quotes online, chances are good that you are bewildered due to the large selection of car insurance companies offering insurance.

It’s smart to quote other rates once or twice a year because car insurance prices are adjusted regularly by insurance companies. If you had the lowest rates for Jetta insurance last year there may be better deals available now. Forget all the misinformation about car insurance because you’re about to learn the fastest and easiest way to find lower rates on car insurance.

If you are paying for car insurance now, you should be able to reduce your rates substantially using these tips. The purpose of this post is to instruct you on how to effectively get price quotes and some money-saving tips. Although consumers need to learn the methods companies use to price insurance differently because it can help you find the best coverage.

Insurance quotes and discounts

Some companies don’t always list every policy discount in an easy-to-find place, so the following is a list of a few of the more common and also the more inconspicuous ways to save on insurance.

• ABS Brakes – Cars that have steering control and anti-lock brakes prevent accidents so companies give up to a 10% discount.
• Sign Online – Some of the larger companies will give a small break just for signing your application on their website.
• Drive Less and Save – Driving fewer miles could be rewarded with better rates on cars that stay parked.
• Professional Organizations – Having an affiliation with qualifying employment or professional organizations is a simple method to lower premiums when shopping for insurance.
• College Student – who live away from home at college and do not have a car could get you a discount.
• Discounts for Good Drivers – Drivers who don’t get into accidents can save up to 40% or more on their insurance coverage quote for Jetta insurance than drivers with accidents.
• New Vehicle Savings – Buying a new car model can cost up to 25% less since new vehicles have better safety ratings.

Discounts save money, but please remember that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, that’s just not realistic. Any qualifying discounts should help lower the premium cost.

To see a list of companies that offer some of these discounts, follow this link.

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The Volkswagen Jetta insurance cost equation

An important part of buying insurance is that you know some of the things that aid in calculating the level of your policy premiums. If you understand what influences your rates, this allows you to make good choices that may result in much lower annual insurance costs. Many different elements are part of the equation when premium rates are determined. Some are pretty understandable like your driving record, but other criteria are more obscure such as your credit history or how safe your car is.

• Do you work long hours in a high stress employer? – Jobs such as military generalsairline pilots and financial analysts generally pay the highest average rates due to intense work situations and long work days. Other occupations such as actors, athletes and homemakers receive lower rates for Jetta insurance.
• Never let your auto insurance expire – Having an insurance coverage lapse is a quick way to bump up your auto insurance costs. Not only will rates go up, the inability to provide proof of insurance may result in a fine, jail time, or a revoked license.
• Males pay more for auto insurance – Over time, data shows women tend to be less risk to insure than men. It does not mean males are worse at driving than females. Both sexes cause auto accidents in similar numbers, but the men have accidents that have higher claims. They also get ticketed for serious violations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents so it costs more to insure them.
• Coverage deductibles are a factor – Physical damage deductibles are the amount of money you are required to spend if a covered claim is submitted. Physical damage protection, also known as collision and other-than-collision, protects your car from damage. Some examples of covered claims are rearending another vehicle, damage from fire, or theft of your vehicle. The larger the amount you are required to pay out-of-pocket, the lower your rates will be for Jetta insurance.
• Where you reside plays a part – Choosing to live in areas with lower population can save you money when it comes to auto insurance. Fewer people corresponds to lower accident rates and lower theft and vandalism rates. People who live in big cities have to deal with more aggressive driving styles and longer commute times. Spending more time driving means more chances of being involved in an auto accident.
• Save by staying claim free – Car insurance companies provide lower rates to drivers who file claims infrequently. If you are the type of insured that files lots of claims you can definitely plan on higher rates. Auto insurance is designed for major claims that would cause financial hardship.
• Marriage is a factor – Getting married may cut your premiums when shopping for auto insurance. Marriage demonstrates that you tend to be more stable financially and statistics show married drivers get in fewer accidents.
• Better drivers pay less – Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Even one driving citation may cause rates to rise by twenty percent. Drivers who get license-revoking violations such as DUI or reckless driving may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to prevent their license from being revoked.

Situations that may require an agent’s advice

When it comes to choosing coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique.

For example, these questions could help you determine if your situation would benefit from an agent’s advice.

• What is roadside assistance coverage?
• Why does it cost so much to insure a teen driver?
• Where can I find DUI or SR-22 insurance?
• When should I drop full coverage on my 2013 Volkswagen Jetta?
• Is other people’s property covered if stolen from my vehicle?
• Are my tools covered if they get stolen from my vehicle?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.

Don’t listen to company ads

Big name companies like State Farm, Geico and Progressive consistently run ads in print and on television. All the ads seem to make the promise of big savings if you just switch your policy. How is it possible that every company can claim to save you money? Here is the trick they use.

Insurance providers look for specific characteristics for a prospective insured that will generate a profit. For example, this type of insured may be over age 30, insures multiple vehicles, and does not commute to work. Any new insured that matches those criteria gets the lowest premium rates and is almost guaranteed to save if they switch.

Potential insureds who fall outside the requirements may be required to pay higher prices and this results in the customer not buying. The ads say “customers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That is how insurance companies can confidently advertise the way they do.

Each company has different criteria, so you really need to compare rate quotes every year. It’s just too difficult to predict with any certainty which company will give you the biggest savings.

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Auto insurance coverages

Knowing the specifics of insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, hitting a bird, damage from flooding, hitting a deer and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

This will cover damage that occurs to people or other property in an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as loss of income, attorney fees and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

This coverage will pay to fix damage to your Jetta resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, crashing into a building, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your 2013 Volkswagen Jetta.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are set the same as your liablity limits.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like chiropractic care, doctor visits, rehabilitation expenses and nursing services. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Have money to burn

As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced liability coverage limits only to regret that it was a big mistake. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.

We’ve covered a lot of ways to get a better price on 2013 Volkswagen Jetta insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest rates are with a smaller regional carrier.

People switch companies for a number of reasons such as questionable increases in premium, policy cancellation, high prices or even not issuing a premium refund. No matter why you want to switch, finding the right insurance provider is actually quite simple.

More information

• Auto Insurance Basics (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)

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