Compare 2013 Volkswagen Jetta SportWagen Insurance Rates

Searching for lower auto insurance rates? Consumers have many options when looking for low-cost Volkswagen Jetta SportWagen insurance. You can either spend your time struggling with agents to compare prices or utilize the internet to make rate comparisons.

There is a better way to shop for auto insurance so you’re going to learn the best way to compare rates for a new or used Volkswagen and obtain the lowest possible price from local insurance agents and online providers.

It’s smart to do rate comparisons yearly because prices go up and down regularly. If you had the lowest price for Jetta SportWagen insurance six months ago a different company probably has better rates today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to eliminate unnecessary coverages and save money.

Free Insurance Coverage Quotes

There are a variety of methods you can shop for 2013 Volkswagen Jetta SportWagen insurance coverage but there is one way that is easier and takes less work. You can spend your afternoon talking to insurance agencies in your area, or you can utilize online quotes to get prices fast.

Most of the best insurance companies belong to an insurance system where prospective buyers submit their information once, and each participating company returns a rated price based on the submitted data. This saves time by eliminating repetitive form submissions for every insurance coverage company.

To find out how much you’re overpaying now click here (opens in new window).

The one disadvantage to using this type of system is you don’t know exactly which providers you want to price. If you would rather choose from a list of companies for rate comparison, we have assembled a list of companies who write insurance coverage in your area. View list of insurance companies.

It’s up to you which method you use, but make darn sure you compare apples-to-apples deductibles and coverage limits on every quote you get. If the quotes have differing limits you will not be able to determine the lowest rate for your Volkswagen Jetta SportWagen.

Do drivers who switch really save?

Consumers can’t get away from ads for car insurance savings by companies like Allstate and Progressive. All the ads say the same thing of big savings if you change to them.

How does each company make almost identical claims?

All the different companies have a certain “appetite” for the right customer that earns them a profit. For example, a driver they prefer might be profiled as between the ages of 40 and 55, has no prior claims, and drives newer vehicles. A driver who matches those parameters will get the preferred rates and therefore will save a lot of money.

Consumers who fall outside the requirements must pay higher premiums which leads to business going elsewhere. The ads say “customers that switch” not “people who quote” save that much money. That is how companies can truthfully claim big savings.

This illustrates why it’s extremely important to quote coverage with many companies. Because you never know which insurance coverage company will give you the biggest savings on Volkswagen Jetta SportWagen insurance.

How to reduce 2013 Volkswagen Jetta SportWagen insurance rates

Insurance can be prohibitively expensive, but there are discounts available to cut the cost considerably. Certain discounts will be triggered automatically when you complete an application, but a few must be manually applied prior to receiving the credit. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiring. It can save you around 10%.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less for Jetta SportWagen insurance than drivers with accident claims.
  • Multi-car Discount – Having more than one vehicle with the same company can get a discount on all vehicles.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Claim Free – Drivers who don’t have accidents can save substantially when compared to bad drivers.
  • Accident Forgiveness – A few companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.

Keep in mind that many deductions do not apply to the entire policy premium. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts will reduce your premiums.

For a list of companies with the best insurance discounts, click here to view.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

These are some specific questions might help in determining if your situation might need professional guidance.

  • Do I really need UM/UIM coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I rent a car in Mexico?
  • What should my uninsured motorist coverage limits be in my state?
  • What is roadside assistance coverage?
  • Where can I find DUI or SR-22 insurance?
  • Am I missing any policy discounts?
  • Should I file a claim if it’s only slightly more than my deductible?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage information

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Auto collision coverage

Collision coverage will pay to fix damage to your Jetta SportWagen caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, hitting a parking meter, colliding with another moving vehicle, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time 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.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability car insurance

This will cover damage or injury you incur to people or other property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like medical expenses, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like X-ray expenses, hospital visits and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage on a shoestring budget

Consumers change insurance companies for a number of reasons such as unfair underwriting practices, delays in responding to claim requests, delays in paying claims and high rates after DUI convictions. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.

We just showed you a lot of information how to save on 2013 Volkswagen Jetta SportWagen insurance. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the best price on insurance is with an unexpected company.

While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced liability coverage limits and found out when filing a claim that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Additional insurance information is available at the links below