View 2013 Volkswagen Jetta SportWagen Car Insurance Rates

Want better insurance rates for your Volkswagen Jetta SportWagen? Trying to find better insurance prices for a Volkswagen Jetta SportWagen could be an all-consuming task, but you can learn our insurance buying tips to make it easier.

There are more efficient ways to buy insurance and you need to know the proper way to get price quotes for your Volkswagen and get the lowest price from both online companies and local agents.

It’s a good habit to get comparison quotes yearly because insurance prices trend upward over time. Just because you had the lowest price on Jetta SportWagen coverage a couple years back there may be better deals available now. There is too much inaccurate information about insurance on the internet, but we’re going to give you some guaranteed methods to lower your insurance premiums.

Finding affordable insurance coverage coverage can be fairly easy. If you have a policy now or need a new policy, you will benefit by learning to reduce the price you pay while maintaining coverages. Drivers just need to learn the most effective way to get comparison quotes online.

More discounts mean lower-cost premiums

Some providers don’t always list all possible discounts very well, so we researched a few of the more common in addition to some of the lesser obvious credits available to bring down your rates.

• Accident Waiver – This one isn’t a discount, but companies like Progressive, Allstate, and Liberty Mutual may permit one accident without the usual rate increase with the catch being you have to be claim-free prior to being involved in the accident.
• Discounts for Multiple Vehicles – Insuring multiple vehicles on a single policy can reduce the rates for all insured vehicles.
• Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a insurance quote on Jetta SportWagen coverage.
• Professional Memberships – Joining qualifying clubs or civic groups can get you a small discount on auto insurance.
• Discount for New Cars – Insuring a new car can save up to 30% since newer vehicles have better safety ratings.
• Employee of Federal Government – Active or retired federal employment could provide a small rate reduction on Jetta SportWagen coverage with certain companies.
• Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
• Distant Student Discount – Children who live away from home to go to college without a vehicle on campus could qualify for this discount.

Consumers should know that some credits don’t apply to the entire policy premium. Some only apply to individual premiums such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, you aren’t that lucky. Any qualifying discounts will bring down the cost of your policy.

A few of the larger companies and their offered discounts are shown below.

• Progressive offers discounts for good student, online quote discount, homeowner, continuous coverage, online signing, multi-vehicle, and multi-policy.
• The Hartford offers premium reductions for good student, bundle, driver training, vehicle fuel type, air bag, defensive driver, and anti-theft.
• Mercury Insurance includes discounts for ease of repair, good driver, multi-policy, location of vehicle, and accident-free.
• Geico discounts include anti-lock brakes, defensive driver, air bags, multi-policy, federal employee, seat belt use, and membership and employees.
• AAA has savings for good driver, anti-theft, pay-in-full, AAA membership discount, multi-car, multi-policy, and good student.
• State Farm may include discounts for driver’s education, safe vehicle, good driver, anti-theft, and multiple policy.

If you are trying to find low cost insurance quotes, ask every insurance company to give you their best rates. Some of the discounts discussed earlier may not be available everywhere.

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Learn how to buy car insurance for less

A large part of saving on car insurance is knowing some of the things that go into determining your premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that may reward you with big savings.

Listed below are some of the most common factors used by companies to determine premiums.

• Where you call home can impact costs – Living in less populated areas of the country has definite advantages when buying car insurance. Fewer drivers on the road means less chance of accidents and also fewer theft and vandalism claims. Drivers who live in large cities have congested traffic and more time behind the wheel. More time behind the wheel can result in more accidents.
• Are men or women drivers cheaper? – Over time, data shows women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. They both cause at-fault accidents in similar percentages, but guys have costlier accidents. In addition to higher claims, males also receive more costly citations like reckless driving and DUI. Young men ages 16 to 20 have the highest risk to insure and therefore pay the highest rates.
• Prevent theft and save – Selecting a car model with an alarm system can save you some money. Systems that thwart theives such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent auto theft and help lower rates.
• High credit rating translates to low prices – Having a bad credit rating can be a huge factor in calculating your premium rate. Insureds that have high credit ratings tend to be better risks to insure than drivers who have lower ratings. If your credit is low, you could pay less to insure your 2013 Volkswagen Jetta SportWagen by improving your rating.
• Drive less and pay lower prices – Driving a lot of miles each year the more you’ll pay to insure it. The majority of insurers rate vehicles based upon how the vehicle is primarily used. Vehicles that have low annual miles get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your policy is showing the correct usage for each vehicle, because it can save money. Having an incorrect usage rating on your Jetta SportWagen is throwing money out the window.
• Liability insurance risk factors in – Your car insurance policy’s liability coverage provides coverage when you are ruled to be at fault for causing personal injury or damage in an accident. Your liability coverage provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to comp and collision, so drivers should carry high limits.
• You may save more by bundling policies – Lots of car insurance companies will give lower prices to clients who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even if you qualify for this discount already, consumers should still shop around to help guarantee you have the best rates. You may still find better rates even if you have your coverage with different companies
• Get hitched and get cheaper rates – Walking down the aisle may earn you lower rates compared to being single. It translates into being more stable financially and insurance companies like that married drivers tend to have fewer serious accidents.

It’s not one size fits all

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

• Am I covered when using my vehicle for business?
• Can my teen drive my company car?
• What is the rate difference between pleasure use and commuting?
• Where can I find high-risk insurance?
• When does my teenage driver need to be added to my policy?
• Is upholstery damage covered by car insurance?
• Can I rate high risk drivers on liability-only vehicles?
• Are my tools covered if they get stolen from my vehicle?
• Do I need an umbrella policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

The largest companies are not always cheapest

Drivers can’t ignore all the ads that claim the lowest rates from companies such as Progressive, Allstate and Geico. All the ads state the claim that drivers will save a bundle if you get a free insurance quote and switch your auto insurance policy to them.

How is it plausible that every one can claim to save you money? This is the trick they use.

Insurance providers quote their best rates for the type of customer that will not have excessive claims. An example of a profitable insured could possibly be between the ages of 30 and 50, has few claims, and has great credit. Anyone who fits that profile will get low rates and is almost guaranteed to cut their rates substantially.

Potential customers who may not quite match this ideal profile may be required to pay a more expensive rate which results in the customer not buying. If you listen closely, the ads state “drivers who switch” not “everyone that quotes” save that much when switching. This is how insurance companies can confidently make those statements.

That is why you need to compare price quotes frequently. It is just not possible to predict which company will have the best prices at this point in time.

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Learn about insurance coverages for a Volkswagen Jetta SportWagen

Learning about specific coverages of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Liability coverages – This coverage can cover damage that occurs to people or other property in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

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 commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like medical services, emergency aid and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Comprehensive coverage – This covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a bird, damage from a tornado or hurricane, a broken windshield, damage from flooding and fire damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverages – This covers damage to your Jetta SportWagen resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, scraping a guard rail, driving through your garage door, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for immediate expenses such as chiropractic care, nursing services, rehabilitation expenses, EMT expenses and ambulance fees. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Saving money is sweet as honey

As you shop your coverage around, you should never reduce needed coverages to save money. There are too many instances where an insured cut liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find at the lowest possible cost.

People change insurance companies for a number of reasons such as lack of trust in their agent, policy cancellation, high rates after DUI convictions and even questionable increases in premium. Whatever your reason, finding a new car insurance company is less work than it seems.

In this article, we presented a lot of tips how to compare 2013 Volkswagen Jetta SportWagen insurance prices online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding inexpensive insurance. Consumers could even find that the lowest prices come from an unexpected company.

Additional car insurance information is available at these links:

• Alcohol Impaired Driving FAQ (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)
• What is Gap Insurance? (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)

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