2013 Volkswagen Jetta Hybrid Insurance Quotes – 6 Tips for Cheaper Rates

Trying to find better auto insurance rates for your Volkswagen Jetta Hybrid? Overpriced Volkswagen Jetta Hybrid insurance can take a big chunk out of your checking account and make it impossible to make ends meet. Comparison shopping is a great way to slash your bill and have more diposable income. Numerous insurers battle to insure your vehicles, and it can be difficult to compare rates to get the best rate

It’s a good idea to take a look at other company’s rates on a regular basis since rates tend to go up over time. Just because you found the lowest price on Jetta Hybrid coverage a few years ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to properly buy coverages while reducing your premium.

The best way we recommend to get rate comparisons is to know the trick all the major auto insurance companies have advanced systems to give rate comparisons. To get started, all you need to do is give them some information including whether you drive to work or school, if you require a SR-22, the ages of drivers, and if you went to college. That rating data is sent automatically to multiple top-rated companies and you get price estimates almost instantly.

Do you qualify for a discount?

Insuring your fleet can be pricey, but there are discounts available that can drop the cost substantially. Certain discounts will be triggered automatically at the time of quoting, but a few must be inquired about prior to getting the savings. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • New Car Discount – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Organization Discounts – Affiliation with a professional or civic organization could qualify you for a break when shopping for insurance on Jetta Hybrid coverage.
  • Multiple Vehicles – Having multiple vehicles with the same company could earn a price break for each car.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.
  • Sign Early and Save – Some insurance companies reward drivers for switching policies prior to your current policy expiring. It can save you around 10%.

It’s important to understand that most credits do not apply the the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way. But all discounts will help reduce your premiums.

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

What coverages do I need?

When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions may help you determine if you will benefit from professional help.

  • Should I waive the damage coverage when renting a car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I buy full coverage?
  • What companies insure drivers after a DUI or DWI?
  • How much can I save by bundling my policies?
  • Am I missing any policy discounts?
  • Who is covered by my policy?
  • How does medical payments coverage work?

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 insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Car insurance coverages and their meanings

Having a good grasp of your car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most car insurance policies.

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on a person or their property. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as medical expenses, repair bills for other people’s vehicles, bail bonds, court costs and pain and suffering. How much coverage you buy is up to you, but you should buy higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses for EMT expenses, surgery, funeral costs and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage

This coverage covers damage to your Jetta Hybrid from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a mailbox, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like fire damage, damage from a tornado or hurricane, a broken windshield, damage from getting keyed and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Smart consumers save more

When you buy insurance online, you should never skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at the best price.

We just showed you some good ideas how to get a better price on 2013 Volkswagen Jetta Hybrid insurance. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. You may even find the lowest priced insurance comes from a company that doesn’t do a lot of advertising. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Progressive or Geico.

Additional insurance information can be found at these links: