Cheaper 2014 Volkswagen Jetta SportWagen Insurance Cost

Expensive car insurance can drain your savings account and force you to prioritize other expenses. Doing a price comparison is free, only takes a few minutes, and is a good way to lower your monthly bill. Drivers have multiple insurance companies to choose from, and though it is a good thing to be able to choose, it can be more challenging to compare company pricing.

The quickest method to compare car insurance rates is to realize most larger insurance companies actually pay money for the chance to give free rates quotes. To get started, all you need to do is spend a couple of minutes providing details like your general credit rating, how much you drive, if a SR-22 is required, and the year, make and model of vehicles. That rating information is instantly submitted to multiple top-rated companies and you will get price comparisons instantly to find the best rate.

To start a quote now, click here and complete the quick form.

Policy discounts you shouldn’t miss

The cost of insuring your cars can be expensive, buy you may qualify for discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be asked about before you will receive the discount. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • No Claims – Good drivers with no accidents pay much less as compared to frequent claim filers.
  • Own a Home – Being a homeowner can save you money because maintaining a house requires personal responsibility.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on Jetta SportWagen coverage.
  • Bundle and Save – When you have multiple policies with the same insurance company you may save at least 10% off all policies.
  • Early Signing – Select companies give a discount for signing up prior to your current policy expiring. This can save 10% or more.
  • Multi-car Discount – Buying insurance for more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Safety Course Discount – Taking a course teaching defensive driving skills can save you 5% or more if you qualify.
  • Low Mileage – Low mileage vehicles could qualify for better rates on cars that stay parked.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. So when it seems like it’s possible to get free car insurance, you’re out of luck. But all discounts will bring down the cost of coverage.

For a list of companies who offer car insurance discounts, click this link.

Insurance agents can help

When buying proper insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help you determine whether your personal situation may require specific advice.

  • If I drive on a suspended license am I covered?
  • Should I buy full coverage?
  • When would I need rental car insurance?
  • What discounts do I qualify for?
  • Can I afford to buy a different vehicle if my 2014 Volkswagen Jetta SportWagen is totaled?
  • Does my 2014 Volkswagen Jetta SportWagen need full coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Volkswagen Jetta SportWagen premiums are determined by many factors

An important part of buying insurance is that you know the factors that play a part in calculating the price you pay for auto insurance. Knowing what controls the rates you pay allows you to make educated decisions that will entitle you to big savings.

Shown below are some of the items companies use to determine prices.

  • Battle of the sexes – Statistics show women are more cautious behind the wheel. However, don’t assume that men are WORSE drivers than women. Men and women cause accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like DUI and reckless driving.
  • A clean driving record saves money – Even one ticket may increase your cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. If you have severe violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • Keep rates low by being claim-free – Auto insurance companies generally give discounts to people who do not file claims often. If you file claims often, you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Extra add-on coverages are wasting money – There are a ton of add-on coverages that can waste your money on your 2014 Jetta SportWagen policy. Coverages like vanishing deductibles, accident forgiveness and motor club memberships are examples of these. These coverages may sound good initially, but if you don’t need them get rid of them and save.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores tend to have better insurance rates. These vehicles protect occupants better and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Volkswagen is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Save money with special equipment – Owning a car that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.

What insurance coverages do you need?

Knowing the specifics of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages available from insurance companies.

Collision coverage protection

Collision coverage will pay to fix damage to your Jetta SportWagen from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, hail damage and damage from getting keyed. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability

Liability coverage can cover damage or injury you incur to a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to $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. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like emergency aid, funeral expenses, medical services and loss of income. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Volkswagen Jetta SportWagen.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses such as nursing services, ambulance fees and chiropractic care. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

You can do this!

Low-cost 2014 Volkswagen Jetta SportWagen insurance is possible on the web as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where an accident victim reduced liability coverage limits only to regret at claim time that they should have had better coverage. Your strategy should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

We just presented a lot of ways to lower your insurance rates. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Drivers may discover the best prices are with a lesser-known regional company. These companies may only write in your state and offer lower rates than their larger competitors like State Farm and Allstate.

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