Cheaper 2013 Volkswagen Jetta GLI Insurance Rates

Want lower insurance coverage rates for your Volkswagen Jetta GLI? Have you fallen victim to overpriced insurance coverage? Believe me, you’re not the only one.

With consumers having so many online and local companies to choose from, it’s nearly impossible to choose the right car insurance company.

Take discounts and save

The price of auto insurance can be rather high, but you can get discounts that you may not even be aware of. Most are applied at the time of quoting, but some must be specially asked for before being credited.

  • Homeowners Pay Less – Being a homeowner can help you save on insurance coverage because of the fact that having a home demonstrates responsibility.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for Jetta GLI insurance with select insurance companies.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Memberships – Affiliation with a professional or civic organization may earn a discount when buying insurance coverage for Jetta GLI insurance.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education in school.
  • Low Mileage – Driving fewer miles could be rewarded with a substantially lower rate.
  • Resident Student – Children who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Safe Drivers – Safe drivers can pay as much as 50% less for Jetta GLI insurance than their less cautious counterparts.

Drivers should understand that some of the credits will not apply the the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, you’re out of luck. But all discounts will reduce the cost of coverage.

For a list of providers offering insurance coverage discounts, click here to view.

Which policy gives me the best coverage?

When choosing coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions might point out whether you could use an agent’s help.

  • Am I covered when driving in Canada or Mexico?
  • Should I buy full coverage?
  • Should I sign the liability waiver when renting a car?
  • Am I covered when using my vehicle for business?
  • Is my cargo covered for damage or theft?
  • Should I buy more coverage than the required minimum liability coverage?
  • Which companies will insure high-risk drivers?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Is there deception in advertising?

Car insurance providers like 21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. They all have a common claim about savings if you switch your policy. How do they all claim to save you money?

Different companies can use profiling for the right customer they prefer to insure. For example, a desirable insured could possibly be over the age of 50, has no prior claims, and drives less than 10,000 miles a year. A driver who fits that profile will get very good rates and therefore will save when they switch companies.

Potential customers who don’t qualify for the requirements will have to pay more money and this can result in business going elsewhere. The ads say “people who switch” not “people who quote” save that kind of money. This is how companies can claim big savings.

Because of the profiling, drivers must compare many company’s rates. It is impossible to predict the company that will fit your personal profile best.

What car insurance coverages do you need?

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. These are the normal coverages offered by car insurance companies.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Jetta GLI.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverages – This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, theft, hail damage, damage from a tornado or hurricane and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance – Liability coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as court costs, emergency aid, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses such as doctor visits, nursing services and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a mailbox, driving through your garage door, crashing into a building and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Buy online or local, you save

We covered quite a bit of information on how to shop for 2013 Volkswagen Jetta GLI insurance online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers may even find the most savings is with a lesser-known regional company. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like State Farm or Progressive.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. In too many instances, an insured dropped comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage for the lowest price.

Affordable insurance is attainable on the web as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who don’t offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

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