How Much Does 2014 Volkswagen Jetta SportWagen Insurance Cost?

Do you get confused by the sheer number of car insurance sources? You’re not alone. Consumers have so many options that it can quickly become a difficult mission to lower your prices.

Consumers need to shop coverage around once or twice a year due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you found the best deal for Jetta SportWagen coverage six months ago there is a good chance you can find better prices now. There is lot of inaccurate information about car insurance online but in a few minutes you can learn the easiest ways to quit paying high car insurance rates.

Get lower-cost insurance coverage with discounts

Companies that sell car insurance don’t always list every policy discount very well, so the below list has both the well known and also the more inconspicuous credits available to bring down your rates.

• Senior Citizen Discount – If you’re over the age of 55, you can possibly qualify for reduced rates for Jetta SportWagen coverage.
• Drive Less and Save – Driving fewer miles may enable drivers to earn slightly better premium rates than normal.
• Bundle and Save – When you combine your auto and home insurance and insure them with the same company you may save over 10 percent off each policy depending on the company.
• Driving Data Discount – Insureds who allow driving data collection to look at driving patterns remotely such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as the data is positive.
• Defensive Driving Course – Passing a course teaching driver safety skills may get you a small discount depending on where you live.
• Good Drivers – Drivers without accidents can pay as much as 50% less for Jetta SportWagen coverage compared to accident prone drivers.
• Theft Deterent – Cars that have factory anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course if offered at their school.
• Employee of Federal Government – Active or retired federal employment can save as much as 8% for Jetta SportWagen coverage with some insurance coverage companies.

You can save money using discounts, but most credits do not apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, that’s just not realistic.

A partial list of companies that may offer quotes with some of the discounts shown above possibly include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

If you need lower rates, check with every insurance company to give you their best rates. Some discounts listed above may not be offered in your area.

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Tailor your insurance coverage to you

When buying coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different.

These are some specific questions might point out if you may require specific advice.

• Will I lose any money if I cancel my policy before it expires?
• When should I drop full coverage on my 2014 Volkswagen Jetta SportWagen?
• Is my teen driver covered when they drive my company car?
• Should I waive the damage coverage when renting a car?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Can I make deliveries for my home business?
• What should my uninsured motorist coverage limits be in my state?
• Why am I required to buy liability insurance?
• Am I covered when driving on a suspended license?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, complete this form.

Do car insurance companies bend the truth?

Car insurance companies such as Geico, State Farm and Progressive regularly use ads on TV and radio. All the companies make the same claim about savings just by switching to their company. How do they all charge less that you’re paying now? It’s all in the words they use.

Many companies offer their best rates for the type of driver that earns them a profit. A good example of a profitable customer may need to be between the ages of 40 and 55, owns their home, and drives a vehicle with a low ISO rating. A driver that matches those criteria will get very good prices and have a good chance to save quite a bit of money when switching.

Potential customers who fall short of the requirements may receive higher premiums which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” not “all people who quote” will save that much if they switch. This is how companies can advertise the savings. This really drives home the point why drivers must get insurance coverage quotes from several different companies. It’s not possible to predict which insurance companies will give you the biggest savings.

Auto insurance coverages

Having a good grasp of your policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like rehabilitation expenses, surgery, X-ray expenses, ambulance fees and EMT expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like emergency aid, attorney fees and court costs. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Collision insurance

Collision coverage pays for damage to your Jetta SportWagen resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, scraping a guard rail, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like fire damage, falling objects, damage from a tornado or hurricane, vandalism and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Volkswagen Jetta SportWagen.

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 is a good idea.

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More comparisons equals lower rates

People change insurance companies for a variety of reasons including high rates after DUI convictions, high prices, extreme rates for teen drivers and poor customer service. Regardless of your reason for switching companies, switching companies can be less work than you think.

More affordable car insurance can be purchased from both online companies and also from your neighborhood agents, so get free insurance coverage quotes from both of them to have the best selection. A few companies don’t offer rate quotes online and most of the time these smaller companies sell through local independent agents.

Throughout this article, we presented a lot of ways to shop for 2014 Volkswagen Jetta SportWagen insurance online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from some of the lesser-known companies.

Additional car insurance information can be found at these links:

• Distracted Driving Extends Beyond Texting (State Farm)
• Crash Avoidance Technologies FAQ (iihs.org)
• Cellphones, Texting and Driving (iihs.org)
• Older Driver Statistics (Insurance Information Insitute)

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