Save on 2009 Volkswagen Jetta Insurance Rates

Searching for better insurance rates for your Volkswagen Jetta? Paying for high-priced Volkswagen Jetta insurance can empty your savings account, especially in this economy. Comparison shopping is free and is an excellent way to lower your monthly bill.

Drivers have so many insurance companies to pick from, and though it is a good thing to have a choice, it makes it harder to adequately compare rates.

Consumers need to compare prices before your policy renews because rates tend to go up over time. Even if you think you had the best price for Jetta insurance six months ago you may be paying too much now. You can find a lot of misleading information regarding insurance on the web, but we’re going to give you some of the best ways to stop overpaying for insurance.

Factors that can influence Volkswagen Jetta insurance rates

It’s important that you understand some of the elements that come into play when calculating the rates you pay for insurance coverage. Knowing what controls the rates you pay empowers consumers to make smart changes that can help you get better insurance coverage rates.

The list below includes some of the factors used by your company to calculate your rates.

  • Small claims can cost you – If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Insurance companies award better rates to insureds who file claims infrequently. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
  • Higher deductibles cost less – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your Volkswagen. Some examples of claims that would be covered would be collision with another vehicle, damage caused by hail, and rolling your vehicle. The deductibles are how much you are required to spend before your insurance coverage pays a claim. The more the insured has to pay upfront, the less your company will charge you for insurance for Jetta insurance.
  • Liability coverage is cheap – Liability coverage will protect you when a court rules you are at fault for damages from an accident. It will provide for a legal defense starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.
  • Clean credit earns discounts – A driver’s credit history is a huge factor in calculating your insurance coverage rates. Therefore, if your credit is not that good, you could pay less to insure your 2009 Volkswagen Jetta by improving your rating. People with high credit ratings tend to be more responsible than those with lower credit scores.
  • Males pay more for insurance – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Men and women are in accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations such as DWI and reckless driving.

Comprehensive Car Insurance Comparison

The are a couple different ways of comparing rates from different insurance companies. The easiest way by far to compare 2009 Volkswagen Jetta insurance prices is to use the internet to compare rates. This is very easy and can be done in just a few minutes using one of these methods.

  1. The single most time-saving way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This method prevents you from having to do a different quote to each individual car insurance company. In just a few minutes this one form gets you price quotes instantly.
  2. A more time consuming way to obtain and compare quotes online is to manually visit each company’s website and request a quote. For examples sake, we’ll assume you want to compare Geico, Allstate and Travelers. To get rate quotes you would need to go to every website to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
  3. The hardest method to compare rates is to spend time driving to different agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you require the professional guidance of a local agent. Drivers can compare online quotes and get advice from an agent in your area and we’ll talk about that later.

However you get your quotes, make sure you use the exact same deductibles and coverage limits on every quote. If each company quotes different liability limits then you won’t be able to determine which rate is truly the best. Just a small difference in insurance coverages may result in a large different in cost. And when comparing car insurance rates, know that comparing a large number of companies will increase your chances of finding the best offered rates.

Don’t be fooled by advertising claims

Insurance providers like 21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. They all say the same thing that you can save if you switch to their company. How does each company make almost identical claims? It’s all in the numbers.

All companies have a preferred profile for the type of customer that is profitable for them. For instance, a profitable customer could possibly be between 25 and 40, owns a home, and drives less than 10,000 miles a year. Any driver who matches those parameters will get very good rates and therefore will pay quite a bit less when switching companies.

Potential customers who don’t qualify for these standards will be charged higher rates which usually ends up with the customer not buying. The ad wording is “customers that switch” not “everybody who quotes” save that much money. This is how companies can advertise the savings.

That is why you absolutely need to quote coverage with many companies. Because you never know which insurance company will give you the biggest savings on Volkswagen Jetta insurance.

Discounts are available to cut your rates

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be applied when you get a quote, but a few need to be manually applied before you get the savings.

  • Drivers Education – Have your child complete a driver education course if offered at their school.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • E-sign – A handful of insurance companies give back up to $50 just for signing your application over the internet.
  • No Accidents – Drivers who don’t have accidents pay much less as compared to bad drivers.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you may save approximately 10% to 15%.
  • Distant Student – Any of your kids living away from home attending college and do not have a car may qualify for this discount.

Consumers should know that most discounts do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way. But any discount will bring down the amount you have to pay.

Car insurance companies that possibly offer these discounts are:

Before buying, ask each insurance company how you can save money. Some discounts might not apply in your area.

Everyone needs different coverages

When buying the best insurance coverage, there really is not a cookie cutter policy. Every situation is different so your insurance should reflect that For instance, these questions might point out whether you might need professional guidance.

  • When do I need to add a new car to my policy?
  • If my 2009 Volkswagen Jetta is totaled, can I afford another vehicle?
  • Should I buy full coverage?
  • Are my friends covered when driving my 2009 Volkswagen Jetta?
  • When should my teen driver be added to my policy?
  • When would I need additional glass coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Car insurance 101

Knowing the specifics of a auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages found on the average auto insurance policy.

Liability insurance – Liability insurance will cover damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use 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 court costs, medical expenses and medical services. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Volkswagen Jetta.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like nursing services, surgery, doctor visits and chiropractic care. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Collision – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a mailbox, crashing into a building, scraping a guard rail, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, falling objects, a broken windshield and hitting a bird. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

At the end of the day…

You just learned a lot of techniques to shop for 2009 Volkswagen Jetta insurance online. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with an unexpected company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

The cheapest insurance can be purchased on the web as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. Some companies don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. In many instances, an insured dropped collision coverage and found out when filing a claim that it was a big mistake. The proper strategy is to buy the best coverage you can find at the best price, not the least amount of coverage.

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