2013 Volkswagen Jetta GLI Car Insurance Rates – 10 Savings Tips

Saving money on auto insurance may be nearly impossible for beginners to online rate comparisons. With dozens of online companies available, it can quickly become a lot of work to lower your rates.

Finding affordable coverage is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to save some money using these techniques. Nevertheless, drivers do need to understand the way insurance companies sell insurance online and apply this information to your search.

How to shop insurance online

There are multiple methods to compare insurance quotes, but some are easier and takes less work. You could spend the better part of a day talking about coverages with insurance companies in your area, or you could use the internet to get prices fast.

Many insurance companies enroll in a system where prospective buyers complete one form, and every company provides a quote determined by their information. This saves time by eliminating form submissions to every company.

To enter your information into the quoting system, click here (opens in new window).

The only downside to using this type of system is that consumers can’t choose which companies to get pricing from. If you prefer to choose from a list of companies to request quotes from, we put together a list of insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just ensure you’re using exactly the same quote information for every quote you compare. If each company quotes different data it will be nearly impossible to make an equal comparison. Quoting even small variations in insurance coverages could skew the results. And when comparing insurance rates, know that comparing more quotes helps locate the best offered rates. Not every company allows you to get online rate quotes, so it’s necessary to compare rates from them, too.

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Verify you’re applying every discount

Some companies do not advertise all disounts very well, so here is a list some of the best known as well as some of the hidden credits that you can use to lower your rates.

• Government Employee Discount – Federal government employees can earn a discount up to 10% for Jetta GLI coverage depending on your insurance coverage provider.
• Senior Citizen Discount – Drivers over the age of 55 can get lower premium rates for Jetta GLI coverage.
• Multiple Cars – Buying insurance for primary and secondary vehicles on one policy qualifies for this discount.
• Early Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.
• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower insurance coveragerates if you buy auto and life insurance together.
• Cautious Driver Discounts – Safe drivers can pay as much as 50% less for Jetta GLI coverage compared to rates paid by drivers with frequent claims.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 15% off the medical payments premium.
• Active Military Service – Being deployed in the military may lower your insurance coverage rates slightly.
• Low Mileage Discounts – Driving fewer miles could qualify for substantially lower rates.
• Accident Forgiveness – This isn’t a discount exactly, but some companies like Liberty Mutual and Geico permit an accident without the usual rate increase as long as you don’t have any claims for a set time period.

It’s important to note that some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, nobody gets a free ride.

Larger insurance coverage companies and some of their more popular discounts can be found below.

• State Farm discounts include good student, driver’s education, Steer Clear safe driver discount, multiple autos, accident-free, and safe vehicle.
• Farmers Insurance may include discounts for good student, business and professional, alternative fuel, teen driver, early shopping, homeowner, and bundle discounts.
• Geico offers discounts for multi-vehicle, air bags, anti-theft, seat belt use, and driver training.
• American Family offers discounts including mySafetyValet, multi-vehicle, early bird, good student, and good driver.
• Nationwide policyholders can earn discounts including business or organization, Farm Bureau membership, defensive driving, family plan, easy pay, good student, and accident-free.
• Progressive may have discounts that include continuous coverage, homeowner, online signing, good student, and multi-policy.

If you want cheap insurance coverage quotes, ask every prospective company to give you their best rates. Savings might not be offered in your area. To see a list of insurance companies that offer multiple discounts, click here to view.

When should I discuss my situation with an agent?

When buying proper insurance coverage, there is no best way to insure your cars. Every situation is different.

For instance, these questions could help you determine whether your personal situation might need professional guidance.

• What if I owe more than I can insure my car for?
• Does my liability insurance cover pulling a trailer or camper?
• Is a new car covered when I drive it off the dealer lot?
• Does coverage extend to a rental car in a foreign country?
• Do I need an umbrella policy?
• Where can I get insurance after a DUI in my state?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverage options for a Volkswagen Jetta GLI

Having a good grasp of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision protection

Collision insurance pays for damage to your Jetta GLI resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverages

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

Comprehensive insurance covers claims like falling objects, vandalism, fire damage and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability

This can cover damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others. It does not 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. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for things like loss of income, repair costs for stationary objects and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like prosthetic devices, surgery and chiropractic care. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

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Be a penny pincher

In this article, we covered some good ideas how to shop for 2013 Volkswagen Jetta GLI insurance online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from an unexpected company.

Drivers change insurance companies for a number of reasons such as extreme rates for teen drivers, lack of trust in their agent, policy cancellation or even policy non-renewal. It doesn’t matter what your reason, finding a new insurance coverage company is not as hard as you think.

The cheapest 2013 Volkswagen Jetta GLI insurance can be sourced both online and with local insurance agents, and you need to price shop both to have the best selection. There are still a few companies who may not have online quoting and usually these small, regional companies prefer to sell through local independent agencies.

More information

• Older Drivers FAQ (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• Auto Theft Statistics (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• How do I File a Claim? (Insurance Information Insitute)

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