2012 Volkswagen Jetta SportWagen Car Insurance Quotes – 6 Tips for Cheapest Rates

Finding lower premiums on auto insurance can be challenging for consumers new to shopping for insurance online. People have so many choices that it can be a ton of work to find lower rates.

It is always a good idea to do rate comparisons before your policy renews since insurance rates change quite often. Even if you got the best rates for Jetta SportWagen insurance on your last policy other companies may now be cheaper. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to how to use the internet to eliminate unnecessary coverages and save money.

Compare the Market for Insurance

There are multiple methods you can shop for 2012 Volkswagen Jetta SportWagen insurance but some are less time-consuming than others. You can waste hours driving to insurance companies in your area, or you could use the internet to achieve your goal.

Most car insurance companies participate in a marketplace that allows shoppers to complete one form, and at least one company then gives them pricing based on that data. This prevents consumers from doing repetitive form submissions to each individual insurance company.

To use this form to compare 2012 Volkswagen Jetta SportWagen insurance rates click to open in new window.

The only drawback to pricing coverage this way is you are unable to specify the providers to get pricing from. If you prefer to choose specific providers to request quotes from, we have assembled a list of insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you’re using exactly the same quote information with every price quote. If you use different limits and deductibles on each one then you won’t be able to find the best deal for your Volkswagen Jetta SportWagen. Having just a slight variation in coverage limits may cause a big price difference. Just remember that obtaining a wide range of quotes helps you find the best offered rates.

Pay less by taking advantage of these six discounts

Auto insurance companies don’t always publicize every available discount in an easy-to-find place, so here is a list both the well known and the more hidden savings tricks you should be using.

  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for a substantially lower rate.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Safety Course Discount – Completing a driver safety course could cut 5% off your bill if your company offers it.
  • No Accidents – Drivers who don’t have accidents pay less when compared to drivers who are more careless.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Jetta SportWagen insurance than their less cautious counterparts.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of insurers offering insurance coverage discounts, follow this link.

Your coverage should be tailored to you

When it comes to buying coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether your personal situation might need an agent’s assistance.

  • What is roadside assistance coverage?
  • What is UM/UIM insurance?
  • Am I covered if I hit a deer?
  • Should I buy only the required minimum liability coverage?
  • Should I get collision insurance on every vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I get a multi-policy discount?
  • Can I afford low physical damage deductibles?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

Specific coverage details

Knowing the specifics of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Liability coverages

Liability coverage provides protection from damage that occurs to other people or property by causing an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like bail bonds, medical services, repair bills for other people’s vehicles, structural damage and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, falling objects and a broken windshield. The most 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 dropping full coverage.

Collision coverage protection

This pays for damage to your Jetta SportWagen resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a parking meter, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses like chiropractic care, pain medications and X-ray expenses. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Volkswagen Jetta SportWagen.

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.

Shop Smart and Save

Affordable 2012 Volkswagen Jetta SportWagen insurance can be bought both online and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some insurance providers may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We just covered quite a bit of information on how to shop for insurance online. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the best price on car insurance is with a smaller regional carrier.

Insureds leave their current company for a number of reasons such as an unsatisfactory settlement offer, poor customer service, questionable increases in premium and policy non-renewal. Regardless of your reason, finding a new car insurance company can be pretty painless.

Much more information about car insurance is located on the following sites: