2014 Volkswagen Jetta GLI Car Insurance Rates

Trying to find cheaper insurance rates for your Volkswagen Jetta GLI? No one in their right mind fancies paying their premiums for insurance, in particular when their premiums are too high. Consumers have multiple insurance companies to insure vehicles with, and although it’s nice to be able to choose, more choices can make it harder to compare rates and cut insurance costs.

You need to quote other rates on a regular basis due to the fact that insurance rates change frequently. Even if you got the best deal for Jetta GLI insurance six months ago there is a good chance you can find better prices now. Block out anything you think you know about insurance because you’re about to find out the right way to find great coverage at a great price.

Discounts can really help save money

Car insurance companies don’t list every discount they offer very well, so we took the time to find some of the best known as well as the least known ways to save on car insurance. If you do not double check each discount you qualify for, you are paying more than you should be.

• Bundled Policy Discount – If you combine your home and auto policies and insure them both with the same insurance company you will save 10% to 20% off each policy.
• Responsible Driver Discount – Insureds who avoid accidents could pay up to 40% less for Jetta GLI insurance than drivers with accident claims.
• Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
• Seat Belt Discounts – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Discount for Swiching Early – Some car insurance companies give discounts for switching policies prior to your current policy expiration. The savings is around 10%.

Don’t be shocked that most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, that’s just not realistic.

If you would like to view insurers who offer online car insurance quotes, click this link.

The quickest way to compare rate quotes is to understand almost all companies will pay a fee to compare rate quotes. To begin a comparison, all you need to do is give them rating details like your occupation, if you’re married, the ages of drivers, and how many miles driven. Your details is instantly sent to multiple insurance coverage providers and you will get price comparisons instantly.

To compare multiple company rates now, click here and see if a lower rate is available.

Will just any policy work for me?

When choosing adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions may help highlight if you will benefit from professional help.

• Should I have a commercial auto policy?
• How do I file an SR-22 for a DUI in my state?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Am I covered when driving on a suspended license?
• Does my liability insurance cover pulling a trailer or camper?
• I have a DUI can I still get coverage?
• Am I covered if hit by an uninsured driver?
• Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Insurance coverage breakdown

Understanding the coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages available from insurance companies.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills for rehabilitation expenses, prosthetic devices, funeral costs and dental work. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

This covers damage to your Jetta GLI resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, hitting a parking meter, scraping a guard rail, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, theft and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Volkswagen Jetta GLI.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Liability coverages

This protects you from damage that occurs to other people or property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like bail bonds, emergency aid, medical expenses and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Be a smart shopper

We’ve covered many ways to shop for 2014 Volkswagen Jetta GLI insurance online. The key thing to remember is the more price quotes you have, the higher your chance of finding affordable car insurance. Consumers could even find that the lowest premium rates are with a company that doesn’t do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Geico and State Farm.

Budget-friendly car insurance can be sourced on the web and also from your neighborhood agents, so you need to shop car insurance with both in order to have the best price selection to choose from. Some companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through local independent agents.

Helpful articles

• Vehicle Safety Ratings (iihs.org)
• Car Insurance FAQ (Trusted Choice)
• Teen Driver Statistics (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)