Cheap 2014 Volkswagen Jetta Hybrid Insurance Rates

Searching for the cheapest insurance coverage rates for your Volkswagen Jetta Hybrid? Are you irritated from scraping the payment together to make your insurance coverage payment? You have the same problem as millions of other consumers.

Multiple insurers compete for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest price

How to get free insurance quotes online

When shopping for insurance there are multiple ways to obtain and compare prices from different companies. The best method to lower the rate you pay for 2014 Volkswagen Jetta Hybrid insurance is to use the internet to compare rates. This is very easy and can be done by using one of the methods below.

  1. The most efficient way to find low rates is a comparison rater form click here to open form in new window. This style of form prevents you from having to do repetitive form entry to each individual insurance company. In just a few minutes this one form gets prices estimates direct from many companies.
  2. A more difficult way to analyze rates consists of going to the website of each company and request a quote. For example, let’s say you want comparison quotes from Progressive, Farmers and Allstate. To get rate quotes you would need to visit each site and repeatedly type in your coverage information, which is why most consumers use the first method.

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

  3. The last method of getting rate comparisons is going to each insurance agency near you. Doing it all online makes this unnecessary unless you have a need for the trained advice only provided by licensed agents. Drivers can get the lowest quotes online but have a local agent actually write the policy.

Whichever method you choose, make absolute certain that you use nearly identical information for every quote you compare. If your comparisons have different data it’s not possible to make a fair rate comparison. Having just a slight variation in limits may result in a large different in cost. Just keep in mind that comparing a wide range of rates helps improve the odds of finding more affordable insurance.

Lower your insurance prices

When buying auto insurance it’s important to understand some of the elements that help calculate the price you pay for auto insurance. If you understand what determines premiums, this allows you to make educated decisions that can earn you lower auto insurance prices.

Shown below are some of the most common factors companies use to determine your premiums.

  • File policy claims and pay more – Companies award lower rates to people who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on higher rates. Your car insurance is intended for larger claims.
  • Marriage reduces risk – Having a spouse may save some money compared to being single. Having a spouse means you’re more responsible and statistics prove being married results in fewer claims.
  • Teenagers are high risk – Beginning drivers are statistically proven to be easily distracted when driving with friends so auto insurance rates are higher. Having to add a first-time driver onto a policy can cause a big jump in price. Older insureds have been proven to be more responsible, are lower risk to insure and are safer drivers.
  • Men drivers tend to cost more – Over the last 30 years, statistics show females are less aggressive when driving. The data does not necessarily mean that females are better drivers. Women and men are in fender benders at about the same rate, but the males have accidents that have higher claims. Not only that, but men also get cited for more serious violations like reckless driving and DUI. Young men ages 16 to 20 are the most expensive to insure so they pay the highest premiums.
  • Prices and occupation – Jobs such as real estate brokerspolice officers and stock brokers are shown to have higher premiums than the average policyholder due to high stress and lots of time spent away from family. Other jobs such as actors, students and the unemployed receive lower rates on Jetta Hybrid coverage.
  • Annual miles is a factor – The higher the miles on your Volkswagen annually the higher your rates will be. Almost all companies charge rates partially by how you use the vehicle. Cars and trucks that are left in the garage cost less to insure than vehicles that have high annual mileage. Verify your auto insurance coverage is showing the correct usage for each vehicle. Having the wrong rating on your Jetta Hybrid can cost quite a bit.

Lower rates by qualifying for discounts

Companies that sell car insurance don’t always advertise every available discount very clearly, so we break down some of the best known and the harder-to-find discounts that you can inquire about if you buy insurance coverage online.

  • Senior Citizen Discount – Mature drivers may be able to get a discount up to 10% on Jetta Hybrid coverage.
  • Drive Less and Save – Low annual miles could earn cheaper premium rates.
  • Save with More Vehicles Insured – Buying insurance for more than one vehicle on a single policy may reduce the rate for each vehicle.
  • Responsible Drivers – Safe drivers may save up to 50% more on Jetta Hybrid coverage than their less cautious counterparts.
  • Active Military Service – Having a family member in the military could trigger a small discount.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you may have a lower total premium amount.
  • Homeowners Pay Less – Just owning your own home can save a few bucks due to the fact that maintaining a home requires a higher level of personal finance.

While discounts sound great, it’s important to understand that most discount credits are not given the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, you’re out of luck.

A few of the larger companies and their possible discounts are included below.

  • State Farm may offer discounts for Drive Safe & Save, Steer Clear safe driver discount, accident-free, student away at school, good driver, and driver’s education.
  • Esurance offers discounts including paid-in-full, renters, multi-car, online shopper, and Pac-12 alumni.
  • Progressive has savings for online quote discount, online signing, continuous coverage, homeowner, multi-policy, multi-vehicle, and good student.
  • Liberty Mutual discounts include exclusive group savings, new graduate, safety features, new move discount, newly married, teen driver discount, and multi-car.
  • Auto-Owners Insurance offers discounts for company car, multiple vehicles, teen driver, paperless, good student, safe driver, and anti-lock brakes.
  • Geico includes discounts for anti-theft, seat belt use, membership and employees, air bags, multi-policy, and emergency military deployment.

Check with every prospective company the best way to save money. Savings may not apply everywhere. To locate providers with significant discounts, click this link.

Car insurance is unique, just like you

When choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions could help you determine if your situation could use an agent’s help.

  • How high should my medical payments coverage be?
  • What is no-fault insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I have coverage if my license is suspended?
  • How many claims can I have before being cancelled?
  • Am I covered if my car is in a flood?
  • Why am I required to get a high-risk car insurance policy?
  • Is extra glass coverage worth it?
  • Does liability extend to a camper or trailer?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

What car insurance coverages do you need?

Knowing the specifics of a car insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on the average car insurance policy.

Coverage for collisions

This will pay to fix damage to your Jetta Hybrid caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, a broken windshield, theft, hail damage and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for surgery, nursing services, rehabilitation expenses and pain medications. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Liability auto insurance

Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability 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 a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as funeral expenses, repair costs for stationary objects, medical expenses, structural damage and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Save your hard earned cash

As you quote insurance coverage, it’s not a good idea to reduce needed coverages to save money. In many instances, consumers will sacrifice uninsured motorist or liability limits and learned later that they should have had better coverage. Your goal should be to purchase plenty of coverage at the best cost.

Throughout this article, we presented quite a bit of information on how to get a better price on 2014 Volkswagen Jetta Hybrid insurance. The most important thing to understand is the more providers you compare, the better likelihood of getting affordable insurance coverage. Consumers may even find the biggest savings come from some of the lesser-known companies. These companies may cover specific market segments cheaper than the large multi-state companies such as Geico and State Farm.

Additional resources