Cheap 2017 Volkswagen Jetta Insurance Cost

Sick and tired of paying out the nose to insure your Volkswagen every month? Your situation is no different than many other vehicle owners.

There are many car insurance companies to purchase coverage from, and although it’s nice to have multiple companies, it makes it harder to compare rates and find the lowest cost insurance coverage.

Are you getting every discount?

The cost of insuring your cars can be expensive, but there may be some discounts that you may not know about. Certain discounts will be triggered automatically when you purchase, but some must be asked about in order for you to get them. If you’re not getting every credit you qualify for, you are not getting the best rate possible.

• Government Employees – Federal government employees could cut as much as 10% off on Jetta coverage with some insurance coverage companies.
• Multi-line Discount – Select insurance companies reward you with a lower rate if you buy some life insurance in addition to your auto policy.
• Homeowners Pay Less – Owning a home may earn you a small savings since home ownership is proof of financial responsibility.
• Multi-Vehicle Discounts – Buying a policy with more than one vehicle with the same company can reduce the rates for all insured vehicles.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
• Fewer Miles Equal More Savings – Keeping the miles down on your Volkswagen could qualify for better rates on cars that stay parked.
• Passive Restraints – Options like air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.

One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. Even though it appears you can get free auto insurance, you aren’t that lucky.

Some of the larger companies who may offer these money-saving discounts possibly include:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

If you need lower rates, check with each company to give you their best rates. Depending on the company, some discounts might not be offered in your area. If you would like to choose from a list of insurers who offer online insurance coverage quotes, follow this link.

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How your Jetta insurance premiums are determined

Multiple criteria are considered when you get your auto insurance bill. Some are obvious such as traffic violations, although others are less obvious like where you live and annual miles driven.Consumers need to have an understanding of some of the factors that come into play when calculating your insurance rates. When consumers understand what influences your rates, this allows you to make educated decisions that could result in better insurance rates.

• Stay claim-free and save money – If you’re an insured who likes to file claims you should expect higher rates. Insurance companies generally give better rates to insureds who are claim-free. Auto insurance is intended for larger claims.
• Do thieves like your car? – Selecting a car model with an alarm system can help bring down rates. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder your vehicle from being stolen.
• Your location is important – Being located in a small town is a positive aspect when it comes to insurance. Drivers in populated areas tend to have more auto accidents and higher rates of accident claims. Less people living in that area means less chance of accidents in addition to lower liability claims
• Pleasure use saves money – The more you drive your Volkswagen each year the more you’ll pay to insure it. A lot of companies price each vehicle’s coverage partially by how you use the vehicle. Cars and trucks left parked in the garage can get a lower rate than vehicles that are driven to work every day. An incorrectly rated Jetta may be costing you. It’s a good idea to make sure your vehicle rating shows how each vehicle is driven.

When in doubt talk to an agent

When choosing the best car insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help you determine whether or not you would benefit from professional advice.

• Do I need added coverage for expensive stereo equipment?
• Are my friends covered when driving my car?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is my dog or cat covered if injured in an accident?
• Is my custom paint covered by insurance?
• What discounts do I qualify for?
• How much liability do I need to cover my assets?
• What if I total my 2017 Volkswagen Jetta and owe more than it’s worth?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Car insurance coverage options for a Volkswagen Jetta

Understanding the coverages of your car insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2017 Volkswagen Jetta.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for expenses for things like chiropractic care, hospital visits and surgery. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for liability – Liability insurance will cover damage or injury you incur to people or other property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

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 limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things such as court costs, attorney fees, legal defense fees and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Collision – This coverage covers damage to your Jetta caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive insurance – This covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, falling objects and a broken windshield. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

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Have money to burn

In this article, we covered a lot of information how to get a better price on 2017 Volkswagen Jetta insurance. It’s most important to understand that the more companies you get prices for, the better likelihood of getting cheaper insurance coverage. You may even find the biggest savings come from a lesser-known regional company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, Geico and Progressive.

When shopping online for auto insurance, don’t be tempted to buy poor coverage just to save money. In many instances, drivers have reduced liability coverage limits and discovered at claim time they didn’t purchase enough coverage. Your objective should be to get the best coverage possible at an affordable rate while still protecting your assets.

Cheaper auto insurance is possible on the web as well as from insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers don’t offer online price quotes and these small insurance companies only sell coverage through independent agents.

For more information, feel free to visit the following helpful articles:

• Child Safety FAQ (iihs.org)
• Teen Driving Statistics (iihs.org)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)

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