Lower Your 2008 Volkswagen Jetta Car Insurance Rates

Searching for better auto insurance rates for your Volkswagen Jetta? Having to pay for overpriced Volkswagen Jetta insurance can dwindle your bank account and force you to make sacrifices. Shopping your coverage around is a great way to slash your bill and have more diposable income. Since consumers have many insurance providers from which to choose, it can be challenging to find the cheapest insurance company.

It’s important to take a look at other company’s rates every six months due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the best price for Jetta insurance on your last policy you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the best way to find great coverage at a great price.

This information will teach you how to effectively get price quotes. If you are paying for car insurance now, you should be able to reduce your rates substantially using this strategy. Drivers only need an understanding of the most effective way to compare company rates on the web.

Discounts can save BIG

Properly insuring your vehicles can get expensive, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be inquired about before you get the savings. If they aren’t giving you every credit available, you are paying more than you should be.

  • Discount for New Cars – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Jetta insurance than their less cautious counterparts.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • One Accident Forgiven – A few companies will forgive one accident before raising your premiums if you are claim-free prior to the accident.
  • Student in College – Any of your kids who live away from home and don’t have a car can be insured at a reduced rate.

Drivers should understand that most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like you can get free auto insurance, you won’t be that lucky. But all discounts will help reduce your overall premium however.

Insurance companies that may have these benefits include:

Check with all companies you are considering what discounts are available to you. Discounts might not be offered in your state.

Why your Volkswagen Jetta insurance rates may be high

An important part of buying insurance is that you know the rating factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that may reward you with lower auto insurance prices.

Shown below are a partial list of the pieces auto insurance companies consider when setting rates.

  • Better credit means lower rates – A driver’s credit rating is a large factor in determining your rates. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with lower ratings. So if your credit rating can use some improvement, you could potentially save money when insuring your 2008 Volkswagen Jetta by spending a little time repairing your credit.
  • How’s your driving record? – Even one moving violation can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums compared to drivers with tickets. If you have flagrant violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with the DMV in their state in order to keep their license.
  • Protect yourself with liability coverage – Liability insurance provides coverage in the event that you are found to be at fault for damages from an accident. It will provide you with a defense in court starting from day one. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Allowing your policy to lapse raises rates – Allowing your coverage to lapse is a fast way to bump up your auto insurance costs. Not only will rates go up, failure to provide proof of insurance can result in a license revocation or jail time.
  • Rates may be higher depending on your occupation – Did you know your job can affect your rates? Occupations such as judges, business owners and accountants tend to have higher rates than average due to high stress and lots of time spent at work. On the flip side, occupations such as actors, athletes and homemakers receive lower rates for Jetta insurance.

Will just any policy work for me?

When it comes to buying the best car insurance coverage, there is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For instance, these questions can help discover whether or not you might need professional guidance.

  • If my 2008 Volkswagen Jetta is totaled, can I afford another vehicle?
  • What is the ISO rating for a 2008 Volkswagen Jetta?
  • Should I sign the liability waiver when renting a car?
  • Am I covered when driving a rental car?
  • Do I need rental car coverage?
  • Am I covered when delivering products for my home-based business?
  • Does insurance cover tools stolen from my truck?
  • Should I bundle my homeowners policy with my auto?
  • Is my nanny covered when driving my vehicle?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Advertising myths

Consumers can’t get away from ads for cheaper car insurance from companies such as Allstate, Geico and Progressive. All the ads make the same claim that you’ll save big after switching your policy.

How can each company make the same claim?

Different companies have a certain “appetite” for the type of driver that is profitable for them. A good example of a profitable customer might be between the ages of 40 and 55, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured who meets those qualifications receives the best rates and therefore will pay quite a bit less when switching companies.

Potential insureds who do not match the requirements will have to pay more money which leads to the driver buying from a lower-cost company. The ads state “customers that switch” not “people who quote” save that much. That’s why companies can truthfully make those claims.

Because of the profiling, you need to compare many company’s rates. It is impossible to predict which insurance companies will give you the biggest savings on Volkswagen Jetta insurance.

Educate yourself about insurance coverages

Knowing the specifics of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 2008 Volkswagen Jetta.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Liability

This coverage will cover damage that occurs to people or other property in an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like structural damage, pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like falling objects, theft, vandalism, damage from a tornado or hurricane and fire damage. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses like doctor visits, pain medications and surgery. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Auto collision coverage

This coverage will pay to fix damage to your Jetta resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

More comparisons equals lower rates

When trying to cut insurance costs, never sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced physical damage coverage and learned later that it was a big mistake. The proper strategy is to find the BEST coverage at the best price while still protecting your assets.

Discount 2008 Volkswagen Jetta insurance is available on the web and also from your neighborhood agents, and you need to price shop both to have the best selection. A few companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

You just learned some good ideas how you can lower your insurance rates. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. Drivers may discover the lowest premiums are with an unexpected company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

Much more information about insurance can be read at these links: