Save on 2014 Volkswagen Jetta GLI Insurance Rates

Trying to find the cheapest car insurance rates for your Volkswagen Jetta GLI? Sick and tired of not being able to scrape enough together each month for car insurance? You have the same problem as millions of other consumers.

Due to the abundance of insurance companies to choose from, it can be diffult for drivers to pick the lowest price insurer.

The quickest method to compare insurance rates from multiple companies is to understand most of the larger companies actually pay money for the chance to give you rate quotes. To begin a comparison, all you need to do is give them rating details including if you are currently licensed, marital status, what your job is, and if a SR-22 is required. Those rating factors is instantly sent to all major companies and they return quotes very quickly.

How car insurance companies determine Volkswagen Jetta GLI insurance premiums

A large part of saving on insurance is knowing some of the things that are used to determine your policy premiums. When consumers understand what controls the rates you pay, this helps enable you to make changes that will entitle you to better insurance rates.

The items below are most of the major factors utilized by car insurance companies to help set prices.

  • Lower stress equals lower insurance rates – Careers like military generals, social workers and dentists generally pay higher average rates in part from intense work-related stress and lots of time spent away from family. On the flip side, professions such as actors, athletes and homemakers have lower than average premiums for Jetta GLI coverage.
  • Better prices with anti-theft devices – Owning a car with anti-theft technology or alarm system can earn a premium discount. Systems that thwart theives such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent vehicle theft.
  • Marriage is a factor – Having a spouse may earn you lower rates on your insurance policy. Having a spouse usually means you are less irresponsible and statistics prove married drivers tend to have fewer serious accidents.
  • Rental and towing coverage may not be needed – Policies have additional coverages that may not really be needed if you don’t pay attention. Things like coverage for rental cars, death and dismemberment, and additional equipment coverage could be just wasting money. They may sound like good ideas at first, but now you might not need them so think about removing them and cutting costs.
  • Liability coverage preserves assets – Liability coverage is the protection in the event that you are determined to be liable for damages from an accident. Liability provides for a legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • High credit rating translates to low costs – Having a bad credit rating can be an important factor in determining premium rates. So if your credit rating is low, you could pay less to insure your 2014 Volkswagen Jetta GLI by taking the time to improve your credit score. Consumers who have good credit tend to be less risk to insure than drivers with bad credit.
  • The more you drive the more you pay – The more you drive annually the more you’ll pay to insure your vehicle. Almost all companies rate vehicles determined by how the vehicle is used. Autos that sit idle most of the time can get a lower rate compared to those used for work or business. Double check that your policy states annual mileage. An improperly rated Jetta GLI may be costing you.

More discounts mean affordable premiums

Some providers do not advertise all available discounts in a way that’s easy to find, so here is a list some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance coverage online. If you don’t get every credit possible, you are paying more than you should be.

  • More Vehicles More Savings – Insuring multiple vehicles on one policy qualifies for this discount.
  • Discount for Low Mileage – Driving fewer miles may enable drivers to earn cheaper insurancerates.
  • Drivers Ed for Students – Have your child enroll and complete driver’s education as it can save substantially.
  • Responsible Drivers – Drivers without accidents can save as much as half off their rates for Jetta GLI coverage as compared to drivers with claims.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.

We need to note that most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, it’s just not the way it works.

A few popular companies and their possible discounts include:

  • State Farm discounts include multiple policy, driver’s education, good student, anti-theft, defensive driving training, passive restraint, and student away at school.
  • Geico offers premium reductions for five-year accident-free, military active duty, good student, membership and employees, and anti-lock brakes.
  • Allstate may have discounts that include good student, teenSMART discount, utility vehicle, EZ pay plan discount, safe driver, eSmart discount, and economy car.
  • SAFECO may include discounts for teen safety rewards, homeowner, teen safe driver, bundle discounts, safe driver, and accident prevention training.
  • Farm Bureau policyholders can earn discounts including multi-vehicle, youthful driver, safe driver, good student, renewal discount, and driver training.
  • Progressive has discounts for online quote discount, homeowner, online signing, multi-policy, continuous coverage, good student, and multi-vehicle.
  • AAA offers discounts for AAA membership discount, education and occupation, good driver, pay-in-full, multi-car, anti-theft, and good student.

If you need the cheapest insurance coverage quotes, ask every insurance company which discounts you qualify for. Depending on the company, some discounts may not apply to policies in your area. To see insurers who offer online insurance quotes, click here.

It’s not one size fits all

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that can help discover whether you could use an agent’s help.

  • Am I covered when using my vehicle for business?
  • Should I waive the damage coverage when renting a car?
  • Am I covered if my car is in a flood?
  • Am I covered when delivering products for my home-based business?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Why am I required to get a high-risk car insurance policy?
  • When would I need additional glass coverage?
  • Are my friends covered when driving my 2014 Volkswagen Jetta GLI?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Auto insurance coverages 101

Knowing the specifics of your auto insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by auto insurance companies.

Collision coverage

This coverage pays for damage to your Jetta GLI from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, fire damage and a broken windshield. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability

This protects you from damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims such as bail bonds, funeral expenses, repair bills for other people’s vehicles, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Volkswagen Jetta GLI.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for rehabilitation expenses, doctor visits and ambulance fees. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Knowledge is power

Low-cost 2014 Volkswagen Jetta GLI insurance is possible from both online companies in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not offer rate quotes online and many times these small insurance companies work with independent agencies.

You just read many ideas to reduce 2014 Volkswagen Jetta GLI insurance rates online. The key concept to understand is the more quotes you get, the higher your chance of finding cheaper insurance coverage. You may even discover the lowest rates are with some of the lesser-known companies. They often have lower car insurance rates on specific markets as compared to the big name companies such as State Farm, Geico and Nationwide.

As you quote insurance coverage, do not buy poor coverage just to save money. There are too many instances where an insured dropped uninsured motorist or liability limits only to find out that the savings was not a smart move. The goal is to find the BEST coverage at the best cost while still protecting your assets.

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