2014 Volkswagen Jetta Insurance Rates – 6 Savings Tips

Want lower insurance coverage rates? Drivers have lots of choices when trying to find the lowest priced Volkswagen Jetta insurance. They can either spend hours struggling with agents to get rate comparisons or save time using the internet to find the lowest rates. There are both good and bad ways to shop for insurance coverage and you need to know the best way to compare rates for your Volkswagen and locate the lowest price either online or from local insurance agents.

It’s a great practice to get comparison quotes once or twice a year because prices trend upward over time. Just because you had the lowest price for Jetta insurance a few years ago other companies may now be cheaper. Ignore everything you know about insurance coverage because you’re going to learn the quickest way to properly buy coverages and cut your premium.

If you have a policy now or are looking for a new policy, you can learn to shop for the lowest rates and possibly find even better coverage. The purpose of this post is to teach you how to effectively get price quotes and some tricks to saving. Vehicle owners only need an understanding of how to get comparison quotes online.

Cheaper insurance rates with discounts

Insurance is easily one of your largest bills, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but once in a while a discount must be asked about before being credited.

  • Switch and Save Discount – Some insurance companies provide a discount for switching policies before your current policy expires. The savings is around 10%.
  • Drivers Education – It’s a good idea to have your young drivers complete a driver education course in school or through a local driver safety program.
  • Pay Now and Pay Less – By making one initial payment instead of paying each month you could save up to 5%.
  • Discounts for New Vehicles – Insuring a new car can cost up to 25% less because new vehicles keep occupants safer.
  • Accident Forgiveness – but a few companies such as Progressive, Allstate, and Liberty Mutual will allow you to have one accident before your rates go up as long as you don’t have any claims prior to being involved in the accident.
  • Employee of Federal Government – Federal government employees may qualify for a discount when you quote insurance coverage for Jetta insurance depending on your company.

As is typical with insurance, some credits don’t apply to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, it just doesn’t work that way.

Popular insurance companies and a selection of discounts are outlined below.

  • 21st Century has discounts for defensive driver, anti-lock brakes, automatic seat belts, early bird, and 55 and older.
  • State Farm offers premium reductions for defensive driving training, accident-free, anti-theft, multiple policy, passive restraint, and Drive Safe & Save.
  • AAA has savings for multi-policy, good student, AAA membership discount, multi-car, and pay-in-full.
  • Liberty Mutual may have discounts that include multi-policy, preferred payment discount, good student, new move discount, new vehicle discount, and exclusive group savings.
  • Progressive may offer discounts for multi-policy, continuous coverage, online signing, multi-vehicle, and homeowner.

If you need lower rates, check with each company or agent which credits you are entitled to. A few discounts may not apply in your area.

The best way we recommend to get policy rate comparisons utilizes the fact most insurance companies provide online access to provide you with a free rate quote. The only thing you need to do is provide information such as whether you have decent credit, deductibles desired, distance driven, and what your job is. Your information gets transmitted to multiple insurance coverage providers and you receive quotes quickly.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.

  • Should I waive the damage coverage when renting a car?
  • Is my cargo covered for damage or theft?
  • Is my babysitter covered when using my vehicle?
  • Am I covered if hit by an uninsured driver?
  • Am I covered if I wreck a rental car?
  • Does coverage extend to Mexico or Canada?
  • Will filing a claim cost me more?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I sign the liability waiver when renting a car?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Slick advertising tricks that work

Consumers can’t get away from all the ads for car insurance savings by Allstate, Geico and Progressive. They all seem to make the point that you can save if you move your policy.

How can each company cost less than your current company? This is the trick they use.

Companies are able to cherry pick for the driver that is profitable for them. For example, this type of insured might have to be between 30 and 50, has no tickets, and drives newer vehicles. Any driver who matches that profile receive the lowest rate quotes and will most likely save if they switch.

Consumers who do not fit this stringent profile must pay higher rates which translates to the customer buying from a different company. The trick companies use is to say “customers that switch” not “all people who quote” save that much. That’s why insurance companies can make those claims. This really illustrates why you absolutely need to get insurance coverage quotes from several different companies. It’s just too difficult to predict the company that will give you the biggest savings.

Car insurance coverages explained

Knowing the specifics of your car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability auto insurance

This coverage will cover damage or injury you incur to other’s property or people in an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like repair costs for stationary objects, bail bonds, funeral expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses for EMT expenses, rehabilitation expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, falling objects, hitting a bird and hitting a deer. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Volkswagen Jetta.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

In the end, you save

Affordable 2014 Volkswagen Jetta insurance can be sourced on the web as well as from independent agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers don’t offer online rate quotes and these small insurance companies provide coverage only through independent insurance agencies.

We’ve covered a lot of tips how to shop for 2014 Volkswagen Jetta insurance online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with an unexpected company.

Drivers change insurance companies for many reasons like an unsatisfactory settlement offer, policy non-renewal, unfair underwriting practices and even high rates after DUI convictions. No matter why you want to switch, switching auto insurance companies is easier than you think.

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