How Much Does 2014 Volkswagen Jetta Insurance Cost?

Want lower car insurance rates? Drivers have many options when trying to find the lowest priced Volkswagen Jetta insurance. They can either waste time calling around to compare prices or utilize the internet to get rate quotes. There are both good and bad ways to shop for car insurance and you need to know the proper way to compare rates for a Volkswagen and obtain the best price possible either online or from local insurance agents.

How to Lower Your Insurance Cost

Getting a cheaper price on 2014 Volkswagen Jetta insurance is actually quite simple. All that’s required is to spend a few minutes to get quotes online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

• Probably the best way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form saves time by eliminating separate forms for each company. In just a few minutes this one form will get you rate comparisons from many national carriers. This is by far the quickest method.
• A slightly less efficient method to get comparison quotes consists of visiting each individual company website to complete a price quote. For examples sake, we’ll assume you want rates from Allstate, Geico and State Farm. You would have to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

  To view a list of companies in your area, click here.

• The hardest method of comparing rate quotes is to spend time driving to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless you want the professional guidance only provided by licensed agents. Drivers can price shop online and get advice from an agent in your area and we’ll cover that in a bit.

Whichever method you choose, double check that you are using identical coverages on every quote. If each company quotes higher or lower deductibles it will be impossible to determine which rate is truly the best.

There’s no such thing as the perfect policy

When it comes to buying the best auto insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight if your insurance needs might need professional guidance.

• Do I have any recourse if my insurance company denies a claim?
• Do I need motorclub coverage?
• Does my insurance cover a custom paint job?
• Am I covered if I crash into my own garage door?
• When does my teenage driver need to be added to my policy?
• Where can I get insurance after a DUI in my state?
• What is roadside assistance coverage?
• Am I covered when driving someone else’s vehicle?
• Is business equipment covered while in my vehicle?
• Should I carry comprehensive and collision coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

What auto insurance coverages do you need?

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like hospital visits, X-ray expenses and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Volkswagen Jetta.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Liability insurance – Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as emergency aid, medical services and medical expenses. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Collision coverage – Collision coverage covers damage to your Jetta from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, driving through your garage door, crashing into a ditch, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision – This pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like fire damage, damage from flooding and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.