Save on 2013 Volkswagen Jetta Hybrid Insurance Rates

Trying to find lower auto insurance rates for your Volkswagen Jetta Hybrid? Wish you could get out of overpriced auto insurance? Believe me, many consumers are in the same pinch.

Popular companies such as State Farm, Farmers Insurance, GEICO and Allstate persitently shower you with ad campaigns and it is difficult to ignore the propoganda and do the work needed to find the best deal.

If you are paying for car insurance now, you will most likely be able to save some money using this strategy. Buying car insurance is not rocket science. Although consumers must understand how insurance companies market insurance on the web and use this information to your advantage.

Shop insurance online

Effectively comparing insurance prices can be a lot of work if you aren’t aware of the easiest way. You could waste a few hours driving to insurance agencies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Many of the larger companies participate in a marketplace that enables customers to only type in their quote data once, and each company then gives them pricing based on the submitted data. This prevents consumers from doing quote requests to each company.

To find out what other companies charge click here to open in new window.

The only downside to comparing rates this way is you cannot specify which insurance companies you want pricing from. If you wish to select from a list of companies to request quotes from, we have a listing of companies who write insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just try to use equivalent quote information for every company. If you are comparing differing limits it will be next to impossible to determine which company has the best rates. Just a small difference in insurance coverages or limits could mean much higher rates. And when quoting insurance, remember that obtaining a wide range of quotes provides better odds of finding a lower rate than you’re paying now.

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You may qualify for discounts

Insuring your fleet can be pricey, but there may be some discounts that can drop the cost substantially. Some discounts will apply when you purchase, but some may not be applied and must be specifically requested before they will apply.

• Drive Less and Save – Low mileage vehicles can earn lower prices due to less chance of an accident.
• Paper-free Discount – Some of the larger companies will provide an incentive for signing up over the internet.
• Sign Early and Save – Select insurance companies give a discount for switching policies before your current expiration date. It could save around 10% when you buy insurance online.
• Telematics Data Discounts – Policyholders that allow their insurance company to study where and when they drive by using a telematics device in their vehicle such as State Farm’s In-Drive could possibly reduce rates as long as the data is positive.
• Use Seat Belts – Buckling up and requiring all passengers to buckle up can save up to 15% off the personal injury premium cost.
• Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid monthly service charges.
• Responsible Drivers – Insureds without accidents can pay as much as 50% less on Jetta Hybrid insurance compared to accident prone drivers.
• Bundled Policy Discount – If you have multiple policies with the same company you could get a discount of over 10 percent off each policy depending on the company.

Just know that most discounts do not apply to the entire cost. Most only cut specific coverage prices like medical payments or collision. So even though you would think having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

If you would like to choose from a list of companies that offer many of these discounts, click here.

There’s no such thing as the perfect insurance coverage policy

When it comes to choosing the best insurance coverage coverage, there really is not a best way to insure your cars. Every situation is different so this has to be addressed. Here are some questions about coverages that may help you determine if you may require specific advice.

• Can my teen driver be rated on a liability-only vehicle?
• What if I don’t agree with a claim settlement offer?
• Which is better, split liability limits or combined limits?
• What if I total my 2013 Volkswagen Jetta Hybrid and owe more than it’s worth?
• Is my babysitter covered when using my vehicle?
• What are the best liability limits?
• What companies insure drivers after a DUI or DWI?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Get cheap insurance rates by understanding these factors

Many things are used in the calculation when premium rates are determined. Some are pretty understandable like an MVR report, but others are less obvious like your vehicle usage or how financially stable you are.

• Tickets cost more than a fine – Even a single speeding ticket or other violation can increase rates to the point where it’s not affordable. Attentive drivers tend to pay less for car insurance than bad drivers. Drivers who get license-revoking tickets like hit and run, DWI or reckless driving convictions may face state-mandated requirements to file a SR-22 with their state in order to drive a vehicle legally.
• Bad credit hurts insurance costs – Your credit history is a large factor in determining what you pay. Therefore, if your credit history can be improved, you could be paying less to insure your 2013 Volkswagen Jetta Hybrid if you improve your credit rating. Insureds with good credit tend to be more responsible and file fewer claims as compared to drivers with lower ratings.
• Minor frequent claims are not good – If you’re an insured who likes to file claims you shouldn’t be surprised to get higher rates. Companies give better rates to drivers who do not file claims often. Your car insurance is meant to be used in the event of the large, substantial claims.
• Do you qualify for a multi-policy discount? – The majority of insurance companies allow discounts to clients that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount applied, it’s in your best interest to check prices from other companies to ensure the best deal. You may still be able to save even more than the discount even if you insure with multiple companies
• Your occupation can affect prices – Did you know your career choice can influence rates? Careers such as military generalsair traffic controllers and stock brokers tend to pay higher rates than average in part from intense work requirements and lengthy work days. On the other hand, careers like scientists, students and the unemployed pay lower than average rates on Jetta Hybrid insurance.
• Where you call home can modify premiums – Residing in smaller towns and rural areas of the country can save you money when shopping for auto insurance. City drivers tend to have much more traffic and longer commute times. Fewer people translates into fewer accidents as well as less vandalism and auto theft.
• Experienced drivers pay less – Teenage drivers have a tendency to get distracted easily when at the wheel of a vehicle and because of this, their auto insurance rates are much higher. Parents adding a young driver to your auto insurance policy can cause a big jump in price. Older drivers tend to be more responsible, tend to cause fewer accidents , and are generally more financially stable.
• Why do you need liability coverage? – Liability insurance kicks in when you are found to be at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage to attempt to prove you were not liable. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so buy as much as you can afford.

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Car insurance 101

Learning about specific coverages of auto insurance aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types available from auto insurance companies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as doctor visits, funeral costs and pain medications. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Auto liability insurance

This coverage can cover damages or injuries you inflict on other’s property or people. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as funeral expenses, medical expenses and court costs. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Collision coverage

This will pay to fix damage to your Jetta Hybrid from colliding 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 crashing into a building, colliding with another moving vehicle, driving through your garage door, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, damage from flooding, a broken windshield, damage from a tornado or hurricane and hitting a bird. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage

This provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Jetta Hybrid.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

One last thing

When shopping online for auto insurance, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced liability limits or collision coverage only to regret that it was a big mistake. Your goal should be to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.

Low-cost 2013 Volkswagen Jetta Hybrid insurance is available online and with local insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not provide rates over the internet and most of the time these smaller companies only sell coverage through independent agencies.

Additional detailed information is located at these sites:

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Your Car has been Stolen: Now What? (Allstate)
• State Laws for Cellphones and Texting (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)