How Much Does 2013 Volkswagen Jetta SportWagen Insurance Cost?

Trying to find the cheapest car insurance rates for your Volkswagen Jetta SportWagen? Searching for the cheapest insurance for a new or used Volkswagen Jetta SportWagen can normally be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to shop for car insurance so we’re going to tell you the best way to price shop coverage for a Volkswagen and locate the lowest possible price from both online companies and local agents.

The quickest way to compare rate quotes takes advantage of the fact almost all companies participate in a system to quote your coverage. All you need to do is take a few minutes to give details like if you are currently licensed, the make and model of your vehicles, marital status, and whether your vehicle is owned or leased. That rating data is instantly submitted to multiple different insurance companies and they provide comparison quotes within a short period of time.

If you wish to get multiple quotes for your car now, click here and enter your coverage details.

Save $459 a year! What?

Consumers can’t ignore all the ads for insurance savings from companies such as State Farm and Allstate. They all say the same thing that people will save if you move your policy.

How do they all make almost identical claims?

Companies have an ideal profile for the driver that will be a good risk. One example of a driver they prefer may need to be a female over age 40, has few claims, and has great credit. Any driver who matches that profile gets the lowest car insurance rates and as a result will probably save a lot if they switch.

Potential insureds who do not fit those criteria must pay higher rates which results in the customer not buying. If you listen closely, the ads state “drivers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That is how insurance companies can confidently state the savings. Because each company has a different risk profile, you really should get car insurance quotes from several different companies. It’s just too difficult to predict with any certainty which company will provide the lowest premium rates.

Get lower-cost insurance premiums by understanding these factors

Lots of things are considered when you get a price on insurance. Some are pretty understandable like an MVR report, but other criteria are more transparent like where you live or how financially stable you are.

  • Your job is a factor – Occupational choices like military personnel, social workers and emergency personnel are shown to have higher rates than the rest of us attributed to intense work situations and lots of time spent away from family. Conversely, careers such as farmers, engineers and retirees receive lower rates for Jetta SportWagen insurance.
  • Pay more of a claim out-of-pocket – Physical damage coverage, also called comprehensive and collision insurance, covers damage that occurs to your Volkswagen. Some examples of claims that would be covered are collision with another vehicle, damage from fire, and damage caused by flying debris. Comprehensive and collision coverage deductibles state the amount of money you are willing to pay if a covered claim is submitted. The more the insured has to pay upfront, the lower your rates will be for Jetta SportWagen insurance.
  • More than one policy can earn a discount – Many insurers give better rates to customers who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, consumers should still get quotes from other companies to make sure you are getting the best deal.
  • Gender impacts rates – Statistics show females are less aggressive when driving. However, don’t assume that men are worse drivers. Men and women have accidents in similar numbers, but males get into accidents with more damage. Men also tend to get ticketed for serious violations such as reckless driving. Young men ages 16 to 20 generally have the highest accident percentage and therefore have the most expensive car insurance rates.
  • Do thieves like your car? – Choosing to buy a car with a theft deterrent system can help bring down rates. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder car theft.

Insurance coverage discounts are available to cut your rates

Some providers don’t always list every available discount very clearly, so below is a list some of the best known and also the more inconspicuous credits that may apply to you.

  • Fewer Miles Equal More Savings – Low annual miles could earn cheaper premium rates.
  • Lower Rates for Military – Having a family member in the military could trigger a small discount.
  • Distant College Student Discount – Any of your kids who are attending college and don’t have a car can receive lower rates.
  • Auto/Home Discount – If you can combine your home and auto policy and insure them with the same company they may give you a discount of up to 20% off your total premium.
  • New Vehicle Savings – Buying a new car model can cost up to 25% less because newer vehicles are generally safer.

As a sidenote, some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts will reduce the premium cost.

Companies and some of the discounts are:

  • American Family discounts include bundled insurance, good driver, early bird, accident-free, and air bags.
  • State Farm may offer discounts for student away at school, driver’s education, multiple policy, good driver, multiple autos, and Steer Clear safe driver discount.
  • 21st Century may have discounts that include homeowners, good student, anti-lock brakes, defensive driver, and air bags.
  • Travelers offers premium reductions for continuous insurance, multi-policy, IntelliDrive, multi-car, new car, and home ownership.
  • Geico may include discounts for membership and employees, anti-lock brakes, air bags, driver training, emergency military deployment, multi-policy, and defensive driver.

When getting a coverage quote, ask every company which discounts can lower your rates. Discounts might not be offered everywhere. For a list of providers that offer multiple discounts, click here.

Everyone needs different auto insurance coverages

When buying the best auto insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions could help you determine whether your personal situation will benefit from professional help.

  • How can I find cheaper teen driver insurance?
  • When can my company non-renew my policy?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Are my friends covered when driving my car?
  • How high should my medical payments coverage be?
  • How much underlying liability do I need for an umbrella policy?
  • Is my 2013 Volkswagen Jetta SportWagen covered for smoke damage?
  • I don’t drive much so do I pay less?
  • Do I have newly-aquired coverage?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Specifics of your auto insurance policy

Understanding the coverages of auto insurance helps when choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Volkswagen Jetta SportWagen.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, hitting a deer and damage from a tornado or hurricane. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like structural damage, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills for nursing services, hospital visits and chiropractic care. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This pays for damage to your Jetta SportWagen caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sustaining damage from a pot hole, hitting a parking meter, driving through your garage door, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Final considerations

We covered some good ideas how you can lower your 2013 Volkswagen Jetta SportWagen insurance prices. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced insurance comes from an unexpected company.

As you go through the steps to switch your coverage, it’s very important that you do not skimp on coverage in order to save money. In too many instances, someone sacrificed full coverage only to discover later that it was a big error on their part. Your focus should be to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Consumers who switch companies do it for many reasons like delays in responding to claim requests, extreme rates for teen drivers, lack of trust in their agent and even high prices. It doesn’t matter what your reason, finding a great new company is not as difficult as it may seem.

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