2015 Volkswagen Jetta Insurance Rates – 9 Ways to Save

Looking for better insurance rates for your Volkswagen Jetta? Having to pay for overpriced Volkswagen Jetta insurance can overdraw your savings account and force you to prioritize other expenses. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet. Drivers have so many insurers to choose from, and although it’s a good thing to have a choice, too many choices makes it more difficult to compare rates.

Smart consumers take time to shop coverage around at least once a year because rates are adjusted regularly by insurance companies. Just because you found the best price on Jetta insurance last year you can probably find a better price now. There is a lot of bad information regarding insurance on the web, but by reading this article, you’re going to learn some tested techniques to stop overpaying for insurance.

The purpose of this post is to introduce you to the best way to quote coverages and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to save some money using these techniques. Drivers just need to learn the most effective way to find the lowest price on the web.

How to Compare Auto Insurance Costs

There are a lot of ways to shop for auto insurance, but there is one way that is less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Many companies participate in an industry program where insurance shoppers only type in their quote data once, and each participating company returns a rated price based on that data. This prevents consumers from doing quote requests for every auto insurance company. To compare pricing click here to start a free quote.

The single downside to doing it this way is you don’t know exactly which providers to receive prices from. If you wish to select specific providers to compare rates, we put together a list of the cheapest auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just be sure to compare identical deductibles and coverage limits on every quote you get. If your comparisons have different limits and deductibles on each one then you won’t be able to determine which rate is truly the best.

Are you getting all your discounts?

Car insurance is not cheap, but you can get discounts to reduce the price significantly. Most are applied when you purchase, but a few need to be inquired about before you get the savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

• E-sign – Certain companies give back up to $50 for buying a policy and signing up on their website.
• Defensive Driver – Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
• Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
• Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. This can save 10% or more.
• Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates on car insurance on Jetta insurance.
• Homeowners Savings – Owning a house can help you save on car insurance because of the fact that having a home shows financial diligence.
• Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings up to 30%.
• Multiple Cars – Insuring all your vehicles on one policy qualifies for this discount.

Consumers should know that some of the credits will not apply to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will bring down the amount you have to pay.

For a list of companies with discount car insurance rates, click here.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions could help you determine if you will benefit from professional help.

• Is my nanny covered when driving my vehicle?
• Why am I required to buy liability insurance?
• Do all my vehicles need collision coverage?
• Do I have coverage when pulling a U-Haul trailer?
• What are the best liability limits?
• Do I need rental car coverage?
• What is no-fault insurance?
• Is extra glass coverage worth it?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Why am I required to get a high-risk car insurance policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Parts of your auto insurance policy

Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most auto insurance policies.

Comprehensive or Other Than Collision – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a bird, falling objects, fire damage and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for prosthetic devices, ambulance fees, doctor visits, surgery and dental work. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability auto insurance – Liability coverage protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover 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 policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like attorney fees, emergency aid, bail bonds, funeral expenses and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

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

Collision coverage protects against things such as rolling your car, hitting a parking meter, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM Coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Volkswagen Jetta.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are set the same as your liablity limits.