How Much Does 2013 Volkswagen Jetta Insurance Cost?

Trying to find lower insurance rates for your Volkswagen Jetta? When searching for lower-priced insurance, are you confused by the sheer number of insurance providers in your area? Many other people are as well. Drivers have so many choices that it can be a big hassle to compare premium rates.

It’s a great practice to check insurance prices quite often because insurance prices are variable and change quite frequently. Even if you think you had the best price for Jetta coverage a year ago a different company probably has better rate quotes today. There are a lot of ways to save on insurance on the internet, but in a few minutes you can learn the easiest ways to find cheap insurance.

Lower-cost car insurance rates with discounts

Car insurance companies don’t always list all available discounts in a way that’s easy to find, so we researched some of the best known as well as the least known discounts that may be available.

  • Drive Safe and Save – Drivers who avoid accidents can save up to 40% or more on their insurance coverage quote for Jetta coverage compared to rates paid by drivers with frequent claims.
  • Active Military Service – Having an actively deployed family member may qualify for rate reductions.
  • Waiver for an Accident – This one is not really a discount per se, but some insurance companies permit an accident without raising rates with the catch being you have to be claim-free before the accident.
  • Low Mileage Discounts – Keeping the miles down on your Volkswagen could be rewarded with better car insurancerates on cars that stay parked.
  • Driver Safety – Participating in a course in safe driver can save you 5% or more and easily pay for the cost of the class.
  • Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase a life insurance policy as well.
  • Telematics Data – Drivers who elect to allow driving data submission to look at driving manner by using a small device installed in their vehicle such as Progressive’s Snapshot may see discounts if they have good driving habits.
  • Braking Control Discount – Cars that have anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
  • Membership in Organizations – Joining specific professional or occupational memberships or organizations could qualify you for a break on your next car insurance statement.
  • Multi-car Discount – Purchasing coverage when you have primary and secondary vehicles with one company may reduce the rate for each vehicle.

Drivers should understand that most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any qualifying discounts will lower the amount you have to pay.

To see companies that can offer you the previously mentioned discounts, click here to view.

The quickest method to compare policy rates is to take advantage of the fact almost all companies have advanced systems to provide you with free rate quotes. To start a quote, the only thing you need to do is give them rating details such as any included safety features, distance driven, whether you drive to work or school, and whether you are married. That rating data is then sent to insurance carriers in your area and they respond with quotes quickly.

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What affects Volkswagen Jetta insurance prices?

An important part of buying insurance is that you know the different types of things that go into determining auto insurance rates. When you know what positively or negatively influences your rates, this helps enable you to make changes that may reward you with better auto insurance rates.

  • Getting married equates to better rates – Having a significant other helps lower the price on your auto insurance policy. Having a spouse is viewed as being more mature and responsible and it’s statistically proven that drivers who are married file infrequent claims.
  • Your liability limits – Liability insurance will protect you if ever a court rules you are at fault for damages from an accident. It will provide for a legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to other policy coverages, so do not skimp.
  • Vehicle options that lower rates – Choosing a vehicle with advanced anti-theft systems can help bring down rates. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms all hinder your vehicle from being stolen.
  • Traffic violations inflate rates – A bad driving record has a lot to do with how much you pay for insurance. Even one speeding ticket or other violation can increase rates by as much as twenty percent. Careful drivers get better rates compared to drivers with tickets. Drivers who have received careless citations like hit and run, DWI or reckless driving convictions might be required by their state to complete a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
  • Males pay more for auto insurance – The statistics show women are more cautious behind the wheel. However, this does not mean females are better drivers. Males and females tend to get into at-fault accidents at about the same rate, but the males have costlier accidents. They also receive more major tickets such as DWI and reckless driving.
  • You may save more by consolidating policies – Most larger insurance companies give discounts to policyholders who consolidate policies with them such as combining an auto and homeowners policy. If you currently are using one company, consumers should still comparison shop to guarantee you are still saving the most.
  • Pay more out-of-pocket – Physical damage coverage, also called ‘full coverage’, covers damage that occurs to your Volkswagen. Some examples of covered claims are colliding with a building, vandalism, and burglary. Physical damage deductibles define how much you are willing to pay out-of-pocket before your auto insurance pays a claim. The more of the claim you are required to pay out-of-pocket, the lower your rates will be for Jetta coverage.
  • No policy lapses saves money – Going without insurance is a sure-fire way to increase your rates. Not only will rates go up, the inability to provide proof of insurance could earn you a steep fine or even jail time.

Tailor your car insurance coverage to you

When buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different.

These are some specific questions can aid in determining if you might need professional guidance.

  • Do I need higher collision deductibles?
  • Who is covered by my policy?
  • Am I covered if I hit a deer?
  • Is motorclub coverage worth it?
  • Is a new car covered when I drive it off the dealer lot?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • How much liability do I need to cover my assets?

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. If you don’t have a local agent, fill out this quick form.

Brand name doesn’t guarantee savings

Respected companies like Allstate, Geico and Progressive consistently run ads on TV and radio. All the companies advertise the message about saving some big amount if you get a free insurance coverage quote and switch your coverage to them. How does every insurance coverage company say the same thing? You have to listen carefully.

Companies have underwriting criteria for the type of driver that will not have excessive claims. A good example of a profitable risk profile should be over age 30, has had continuous coverage, and has excellent credit. Any new insured who matches those parameters will get the preferred premium rates and have a good chance to save when switching.

Potential insureds who cannot meet the “perfect” profile may be forced to pay a higher rate and this results in the customer buying from someone else. The trick is to say “customers that switch” not “everyone who quotes” save that much. That’s why insurance companies can confidently lure you into getting a quote. That is why it is so important to get insurance coverage quotes from several different companies. Because without a comparison, you cannot know which insurance coverage company will give you lower prices than your current company.

Auto insurance 101

Having a good grasp of insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, damage from a tornado or hurricane and theft. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a parking meter, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance – Liability coverage provides protection from injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people. 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. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like emergency aid, court costs, bail bonds, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for expenses for chiropractic care, dental work, rehabilitation expenses, nursing services and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Volkswagen Jetta.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Smart consumers save more

As you quote insurance coverage, you should never buy poor coverage just to save money. There have been many situations where an insured cut uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

Drivers change insurance companies for a number of reasons such as high rates after DUI convictions, an unsatisfactory settlement offer, policy non-renewal or even policy cancellation. It doesn’t matter why you want to switch switching insurance companies is easier than you think.

Cheaper 2013 Volkswagen Jetta insurance is possible on the web as well as from independent agents, so you need to shop insurance coverage with both to get a complete price analysis. Some insurance companies may not have internet price quotes and most of the time these smaller companies sell through local independent agents.

Additional detailed information is available at these sites:

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