Lower Your 2013 Volkswagen Jetta Hybrid Car Insurance Cost

Paying for expensive Volkswagen Jetta Hybrid insurance can eat up your accounts and possibly require postponing other expenditures. Multiple auto insurance companies compete for your hard-earned dollar, so it’s not easy to compare every company to discover the definitive best rate

Consumers should take time to take a look at other company’s rates at least once a year since prices are adjusted regularly by insurance companies. Just because you found the best deal for Jetta Hybrid insurance at your last renewal there is a good chance you can find better rates now. You can find a lot of misleading information regarding insurance out there, but in just a couple of minutes you can learn the best ways to lower your insurance rates.

Save money by taking advantage of discounts

Insuring your vehicles can cost a lot, but there could be significant discounts that many consumers don’t even know exist. Certain discounts will be applied when you complete an application, but some need to be manually applied in order for you to get them.

  • Student Discounts – Excelling in school may save you up to 25%. The discount lasts until age 25.
  • Mature Driver Discount – Seniors may receive reduced rates for Jetta Hybrid insurance.
  • Multi-line Discount – Insurance carriers who offer life insurance give a lower premium rate if you buy life insurance from them.
  • E-sign Discounts – Some companies will give a small break simply for signing on their website.
  • Distant Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle can receive lower rates.
  • Sign Early and Save – Some companies reward drivers for switching companies prior to your current policy expiring. Ten percent is about the average savings.
  • Defensive Driver – Taking time to complete a safe driver course could save 5% or more if you qualify.
  • Policy Bundle Discount – If you insure your home and vehicles and place coverage with the same company you could get a discount of nearly 15% which can help you find affordable auto insurance.

Keep in mind that most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you could get a free car insurance policy, car insurance companies aren’t that generous.

Some of the larger companies that may have some of the above discounts are:

If you need lower rates, check with all the companies which discounts you qualify for. Depending on the company, some discounts may not be available in your state.

How to compare car insurance quotes

Finding a lower price on 2013 Volkswagen Jetta Hybrid insurance is surprisingly easy. You just need to take time to compare rate quotes to find the company with inexpensive auto insurance quotes. Comparing prices online can be done in a couple of different ways.

  1. One of the simplest ways to get quotes is a comparison rater form click here to open form in new window. This style of form eliminates the need for separate quote forms for every car insurance company. One simple form gets prices estimates from multiple companies.
  2. Another way to analyze rates requires visiting the website for every company you want to comare and fill out their own quote form. For sake of this example, we’ll assume you want to view quotes from Auto-Owners, Allstate and Progressive. To find out each rate you need to go to each individual site to enter the same coverage data repeatedly, and that explains why we recommend the first method.

    To view a list of companies in your area, click here.

Whichever method you choose, compare the exact same coverage limits with every price quote. If your comparisons have different coverage information it will be nearly impossible to determine which company has the best rates.

Four factors that affect insurance rates

Many things are used when you get your auto insurance bill. Some factors are common sense like an MVR report, but others are less apparent such as your marital status or your financial responsibility.An important part of buying insurance is that you know a few of the rating criteria that aid in calculating your premiums. If you have some idea of what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to better insurance rates.

  • Claims cost money – Car insurance companies generally give the lowest premiums to people who file claims infrequently. If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Your car insurance is intended for larger claims.
  • Being married brings a discount – Being married can actually save you money on your insurance bill. Having a spouse may mean you are more responsible it has been statistically shown that drivers who are married file infrequent claims.
  • Your gender affects premiums – Over the last 30 years, statistics show that females tend to be a little less risky than males. The data does not necessarily mean that men are WORSE drivers than women. Females and males tend to get into auto accidents in similar numbers, but the male of the species tend to have more serious accidents. They also get higher numbers of serious violations like reckless driving and DUI. Male teenagers cause the most accidents and thus pay the highest rates.
  • Deter theft and lower prices – Purchasing a vehicle with advanced anti-theft systems can help bring down rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.

How much car insurance do I need?

When choosing the best car insurance coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique so your insurance needs to address that. For example, these questions might help in determining if your insurance needs would benefit from professional advice.

  • Do I have coverage when making deliveries for my home business?
  • Am I covered when pulling a rental trailer?
  • Can I still get insurance after a DUI?
  • Do I need an umbrella policy?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, free and may give you better protection.

Insurance ads bend the truth

Drivers can’t get away from all the ads that claim the best car insurance rates by Geico, State Farm and Progressive. They all seem to advertise claims that you’ll save big if you switch your policy.

How do they all charge you a lower premium? It’s all in the numbers.

Companies have underwriting criteria for the type of customer they prefer to insure. An example of a preferred risk could possibly be between the ages of 30 and 50, has had continuous coverage, and drives less than 5,000 miles a year. A customer getting a price quote who matches that profile will probably get the lowest rates and will also save if they switch.

Potential insureds who fall short of the requirements will probably be forced to pay higher prices and this results in the customer buying from someone else. The wording the ads use say “drivers who switch” not “everyone who quotes” save that much. That’s why insurance companies can state the savings. Because every company is different, it is so important to compare rate quotes every year. It’s just too difficult to predict which insurance companies will have better car insurance rates than you’re paying now.

Specifics of your insurance policy

Understanding the coverages of your insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Uninsured or underinsured coverage – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2013 Volkswagen Jetta Hybrid.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical expense coverage – Med pay and PIP coverage pay for expenses such as nursing services, doctor visits, funeral costs and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability – Liability insurance protects you from damage that occurs to people or other property in an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as repair bills for other people’s vehicles, medical services, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – This covers damage to your Jetta Hybrid resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like rolling your car, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive protection – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, damage from a tornado or hurricane, falling objects, a broken windshield and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Shop smart and save

We just presented many tips how you can reduce 2013 Volkswagen Jetta Hybrid insurance premium rates online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even find the lowest priced insurance comes from a small mutual company. They may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

There are still a few companies who do not offer online price quotes and most of the time these smaller companies provide coverage only through local independent agents. Cheaper insurance can be bought both online as well as from independent agents, and you should compare rates from both to have the best chance of lowering rates.

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