2015 Volkswagen Jetta Car Insurance Rates

Searching for lower insurance rates for your Volkswagen Jetta? Are you a victim of an underperforming, overpriced insurance policy? You’re preaching to the choir because there are lots of residents who feel the same. Because there are so many different company options, it is very difficult to pick a more affordable company.

Auto insurance discounts are available to cut your rates

Auto insurance is not inexpensive, but discounts can save money and there are some available that many people don’t even know exist. Many of these discounts will be applied automatically at quote time, but a few must be specifically requested before you will receive the discount.

• Active Military Service – Being on active deployment in the military may qualify for rate reductions.
• Policy Bundle Discount – If you have multiple policies and insure them with the same company you will save approximately 10% to 15%.
• Own a Home – Owning your own home or condo can save you money because of the fact that having a home is proof of financial responsibility.
• Mature Driver Discount – Seniors are able to get better auto insurance rates for Jetta insurance.
• Clubs and Organizations – Being a member of a civic or occupational organization is a simple method to lower premiums on your bill.
• Accident Waiver – Not necessarily a discount, but some insurance companies may permit one accident before raising your premiums so long as you are claim-free for a set time period.

Discounts reduce rates, but you should keep in mind that most discount credits are not given the the whole policy. Most only cut individual premiums such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way.

Companies who may offer some of the above discounts are:

• State Farm
• American Family
• AAA
• Geico
• Mercury Insurance
• Farmers Insurance
• Progressive

Double check with each company or agent what discounts are available to you. Depending on the company, some discounts might not be offered in your state. To locate companies who offer online auto insurance quotes, follow this link.

Everyone needs different car insurance coverages

When it comes to choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different so your insurance should reflect that These are some specific questions might help in determining whether your personal situation might need an agent’s assistance.

• Can I afford to pay high deductible claims out of pocket?
• Does my insurance cover my expensive audio equipment?
• Will my rates increase for filing one claim?
• What happens if I owe more than my 2015 Volkswagen Jetta is worth?
• Should I rate my 2015 Volkswagen Jetta as pleasure use or commute?
• What are the financial responsibility laws in my state?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Learn about insurance coverages for a Volkswagen Jetta

Knowing the specifics of insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Comprehensive coverages – This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a deer, damage from flooding, theft, damage from getting keyed and falling objects. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – Collision coverage pays for damage to your Jetta caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like driving through your garage door, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability coverage – This coverage provides protection from injuries or damage you cause to a person or their property. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like emergency aid, structural damage and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Volkswagen Jetta.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills such as pain medications, doctor visits, EMT expenses and nursing services. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Final considerations

We’ve covered many ideas to reduce 2015 Volkswagen Jetta insurance prices online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding inexpensive car insurance. Drivers may discover the most savings is with some of the lesser-known companies. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as Allstate or State Farm.

Some companies may not have online rate quotes and these regional insurance providers provide coverage only through local independent agents. Budget-friendly auto insurance can be bought both online as well as from insurance agents, so compare prices from both to get a complete price analysis.

When searching for inexpensive car insurance quotes, never buy less coverage just to save a little money. There are many occasions where an insured dropped uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your goal is to get the best coverage possible at an affordable rate.

Additional information can be found at these links:

• Auto Insurance FAQ (Farmers Insurance)
• Auto Insurance Basics (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• How to Avoid Common Accidents (State Farm)