View 2013 Volkswagen Jetta GLI Insurance Cost

Locating better insurance prices for a Volkswagen Jetta GLI can be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to buy car insurance so you’re going to learn the absolute fastest way to get price quotes for a Volkswagen and obtain the cheapest rates either online or from local insurance agents.

Choosing the best insurance company for you is quite easy. If you are insured now or are shopping for new coverage, you can use this information to shop for the lowest rates and possibly find even better coverage. Drivers just need to learn the best way to shop online.

Informed drivers know how to find insurance more affordably

A large part of saving on insurance is knowing a few of the rating criteria that aid in calculating your policy premiums. When you understand what determines base rates, this enables you to make decisions that could result in better insurance rates. Many different elements are part of the calculation when you get a price on insurance. Most are fairly basic like your driving record, but others are not as apparent such as your credit history or your commute time.

  • The more you drive the more you pay – Driving more miles in a year’s time the more it will cost to insure it. Almost all companies charge rates based upon how the vehicle is primarily used. Cars and trucks that are left in the garage qualify for better rates than vehicles that have high annual mileage. Verify your insurance declarations sheet states the proper vehicle usage. Incorrect rating for your Jetta GLI can cost quite a bit.
  • Accidents mean higher premiums – Your driving citation history impacts premiums far more than you think. Having just one citation could increase your next policy renewal to the point where it’s not affordable. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers unfortunate enough to have careless tickets such as DUI, reckless driving or excessive speeding may need to prove financial responsibility with their state’s licensing department in order to legally drive.
  • Liability coverage limits on your policy – Liability insurance provides coverage if a jury decides you are liable for personal injury or accident damage. Your policy’s liability insurance provides you with a defense in court which can cost a lot. Liability insurance is pretty cheap compared to physical damage coverage, so buy as much as you can afford.
  • Insure car and home with the same company – Some insurance companies afford better rates to policyholders who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to compare other insurance prices to ensure the best deal.There is a chance you can find a better deal even if you have your coverage with different companies
  • Remove unneeded add-on coverages – There are many additional extra coverages that can add up if you aren’t diligent. Insurance for replacement cost coverage, towing, and term life insurance may be costing you every month. They may seem like a good idea initially, but your needs may have changed so eliminate them to save money.
  • Increase deductibles to save – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Volkswagen. Some examples of covered claims could be running into the backend of another car, damage from fire, and windstorm damage. The deductibles represent how much money the insured will be required to pay if you file a covered claim. The higher the amount the insured is willing to pay, the less your company will charge you for insurance on Jetta GLI coverage.
  • Cars with good safety ratings cost less to insure – Vehicles with high crash test scores cost less to insure. These vehicles protect occupants better and lower rates of occupant injuries means less claims paid and more competitive rates for policyholders.
  • Insurance rates in urban areas – Choosing to live in smaller towns and rural areas of the country can save you money when talking about insurance. Lower population means less chance of accidents and a lower car theft rate. Urban drivers have to deal with more auto accidents and longer commutes to work. The longer drive time means more chance of being in an accident.

Do you qualify for discounts?

The cost of insuring your cars can be expensive, but companies offer discounts that you may not even be aware of. Certain reductions will be credited at the time you complete a quote, but some discounts are required to be asked about prior to getting the savings. If you aren’t receiving every discount you deserve, you are just wasting money.

  • Cautious Driver Discount – Drivers who avoid accidents may save up to 50% more on Jetta GLI coverage as compared to drivers with claims.
  • Multi-policy Discount – If you insure your home and vehicles and insure them with the same company you could save up to 20% off your total premium.
  • Own a Home and Save – Owning a house can earn you a little savings because owning a home demonstrates responsibility.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Distant Student Discount – Children who are enrolled in higher education away from home and won’t have access to an insured vehicle may qualify for this discount.
  • E-sign – A handful of larger companies provide a small discount for buying a policy and signing up online.
  • Life Insurance – Not all insurance companies offer life insurance, but some may give you lower rates if you buy some life insurance in addition to your auto policy.
  • Accident Waiver – but a few companies such as Geico, Progressive, and Allstate permit an accident without the usual rate increase if your claims history is clear for a specific time period.

As a sidenote, most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates you could get a free insurance policy, insurance companies aren’t that generous.

Larger insurance companies and a summarized list of policyholder discounts are detailed below.

  • Geico includes discounts for five-year accident-free, air bags, anti-theft, good student, seat belt use, and federal employee.
  • SAFECO has discounts for teen safe driver, drive less, multi-car, bundle discounts, anti-lock brakes, and safe driver.
  • State Farm may include discounts for defensive driving training, good driver, good student, multiple autos, anti-theft, and driver’s education.
  • MetLife may offer discounts for multi-policy, defensive driver, good driver, claim-free, accident-free, good student
  • 21st Century policyholders can earn discounts including driver training, automatic seat belts, anti-lock brakes, student driver, and early bird.
  • Progressive offers discounts for multi-policy, multi-vehicle, good student, online signing, online quote discount, and continuous coverage.

If you need lower rates, check with all companies you are considering which credits you are entitled to. Some discounts may not be available in your area. If you would like to see a list of insurance companies that offer many of these discounts, follow this link.

But the ad said I’d save 15% in 15 minutes!

Consumers can’t get away from all the ads that claim the lowest rates by State Farm, Allstate and Geico. All the ads try to convey promises about saving some big amount if you switch your insurance coverage coverage to their company.

But how can every company have lower policy pricing? This is how they do it.

All companies give the best rates for the driver that will not have excessive claims. One example of this type of insured could possibly be between the ages of 30 and 50, has a clean driving record, and drives less than 5,000 miles a year. A customer getting a price quote that meets those criteria gets the lowest rates and have a good chance to save when they switch companies.

Consumers who do not fit the ideal profile will get a higher premium and this can result in business not being written. If you listen to the ad wording, they say “customers who switch” not “everyone that quotes” save that much. This is how insurance companies can state the savings. This really illustrates why it is so important to do a quote comparison often. It is impossible to guess with any certainty which company will have the lowest rates.

Don’t assume everyone needs the same insurance coverage

When it comes to choosing the right insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that can aid in determining if you might need professional guidance.

  • How many claims can I have before being cancelled?
  • Am I covered if hit by an uninsured driver?
  • Is my Volkswagen Jetta GLI covered if I use it for business?
  • Are split liability limits better than a combined single limit?
  • Does my 2013 Volkswagen Jetta GLI need full coverage?
  • Am I covered when delivering products for my home-based business?
  • Is my 2013 Volkswagen Jetta GLI covered for flood damage?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

The coverage is in the details

Understanding the coverages of a auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, rolling your car, backing into a parked car, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Auto liability insurance – Liability insurance can cover damage or injury you incur to other’s property or people. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as bail bonds, legal defense fees, funeral expenses and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive protection – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, hitting a deer and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense coverage – Coverage for medical payments and/or PIP pay for expenses like funeral costs, surgery, chiropractic care, nursing services and pain medications. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Have the Midas touch

Consumers switch companies for a variety of reasons including denial of a claim, extreme rates for teen drivers, policy cancellation or even questionable increases in premium. Whatever your reason, choosing a new insurance company is not as difficult as it may seem.

When shopping online for insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to get the best coverage possible at the best price and still be able to protect your assets.

The cheapest 2013 Volkswagen Jetta GLI insurance is definitely available both online and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not provide rate quotes online and usually these small insurance companies provide coverage only through independent agencies.

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