Cheaper 2014 Volkswagen Jetta GLI Insurance Quotes

Confused by the number of auto insurance company choices? You’re not alone. You have so many options that it can easily become more work than you anticipated to compare prices.

Comparison of Insurance

There are a variety of methods to compare 2014 Volkswagen Jetta GLI insurance prices but there is one way that is more efficient than others. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you can utilize online quotes for quick rates.

Most car insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each company then gives them pricing. This prevents consumers from doing repetitive form submissions to each individual insurance company.

To fill out one form to compare multiple rates now click to open in new window.

The one downside to using this type of form is that consumers can’t choose which companies to get quotes from. If you would rather choose specific providers to compare rates, we have a listing of low cost insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare identical coverages and limits on every quote. If you enter mixed coverages you can’t possibly make a fair comparison for your Volkswagen Jetta GLI. Quoting even small variations in insurance coverages may cause a big price difference. And when price shopping your coverage, getting more free quotes helps locate a lower rate.

Verify you’re getting all your discounts

Companies that sell car insurance don’t always publicize all available discounts in a way that’s easy to find, so the following is a list of both the well known as well as the least known discounts you could be receiving.

  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Volkswagen can qualify you for better rates on cars that stay parked.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Multiple Vehicles – Having multiple vehicles on one policy may reduce the rate for each vehicle.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount for Jetta GLI insurance with a few insurance coverage companies.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you will save up to 20% off your total premium.

Keep in mind that some credits don’t apply to the entire cost. Most cut the price of certain insurance coverages like medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way.

To see a list of insurers with the best insurance coverage discounts, follow this link.

When should I talk to an agent?

When choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover if your situation might need professional guidance.

  • Do I need replacement cost coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What are the best liability limits?
  • Should I rate my 2014 Volkswagen Jetta GLI as pleasure use or commute?
  • Am I covered when using my vehicle for business?
  • Do I need PIP coverage since I have good health insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I put collision coverage on all my vehicles?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Learn about auto insurance coverages for a Volkswagen Jetta GLI

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Volkswagen Jetta GLI.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability car insurance – Liability insurance provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things such as structural damage, repair bills for other people’s vehicles, bail bonds, repair costs for stationary objects and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills such as funeral costs, rehabilitation expenses and pain medications. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Collision – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as backing into a parked car, colliding with a tree, scraping a guard rail, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, fire damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and damage from getting keyed. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.