2014 Volkswagen Jetta Car Insurance Rates – 10 Savings Tips

Have you had enough of being strong-armed to pay your insurance coverage bill each month? You are no different than many other consumers.

Since drivers have many insurance providers from which to choose, it’s nearly impossible to find a more affordable insurance coverage company.

It’s a great practice to quote other rates yearly since prices change quite often. Even if you think you had the best deal for Jetta insurance a year ago you can probably find a lower rate today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the easiest way to save money, get proper deductibles and limits, all at the lowest rate.

Locating affordable protection can be fairly easy. In a nutshell, every vehicle owner who is required by state law to have car insurance most likely will be able to lower their premiums. Nevertheless, car owners can benefit by having an understanding of the way insurance companies market insurance on the web and apply this information to your search.

Ten discounts to earn cheap auto insurance rates

Some insurance providers don’t always advertise every available discount in an easy-to-find place, so the list below details some of the more common and the more hidden credits that may apply to you.

• Telematics Discount – Drivers who elect to allow driving data collection to scrutinize when and where they use their vehicle by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they exhibit good driving behavior.
• Resident Student – College-age children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be insured at a cheaper rate.
• Sign Online – A few insurance companies give back up to $50 for buying your policy on the internet.
• Multiple Policy Discount – When you combine your auto and home insurance with the same company you may earn as much as 10 to 15 percent.
• Multi-line Discount – If the company offers life insurance, you could get a discount if you purchase a life policy as well.
• No Accidents – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance quote when compared to drivers who are more careless.
• Discounts for Cautious Drivers – Drivers who avoid accidents may save up to 50% more for Jetta insurance than drivers with accident claims.
• Seat Belts Save more than Lives – Drivers who require all occupants to buckle up can save 10% or more off PIP or medical payments premium.
• Early Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid the installment charge.
• Accident Forgiveness Coverage – Not a discount per se, but a few companies such as Geico and Liberty Mutual will let one accident slide before your rates go up so long as you are claim-free before the accident.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. Even though it appears all the discounts add up to a free policy, it just doesn’t work that way.

Larger auto insurance companies and their offered discounts are detailed below.

• Geico has savings for multi-vehicle, emergency military deployment, good student, anti-theft, daytime running lights, and membership and employees.
• Travelers policyholders can earn discounts including continuous insurance, home ownership, IntelliDrive, driver training, new car, and payment discounts.
• Nationwide may offer discounts for good student, multi-policy, defensive driving, Farm Bureau membership, easy pay, and business or organization.
• Farmers Insurance has discounts for good student, switch companies, electronic funds transfer, mature driver, and multi-car.
• Esurance offers discounts for renters, multi-car, safety device, homeowner, Switch & Save, and defensive driver.
• State Farm discounts include good driver, driver’s education, safe vehicle, multiple policy, and anti-theft.
• Progressive may include discounts for good student, continuous coverage, multi-policy, online signing, homeowner, online quote discount, and multi-vehicle.
• Mercury Insurance includes discounts for multi-policy, age of vehicle, professional/association, anti-theft, and type of vehicle.

Before purchasing a policy, check with all companies you are considering to give you their best rates. A few discounts might not be offered on policies in your area. To choose auto insurance companies who offer free auto insurance quotes, click here to view.

Tailor your insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can help discover whether you will benefit from professional help.

• Am I covered when driving a rental car?
• Do I need roadside assistance coverage?
• Is pleasure use cheaper than using my 2014 Volkswagen Jetta to commute?
• What exactly is covered by my policy?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Does liability extend to a camper or trailer?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Detailed coverages of your insurance policy

Learning about specific coverages of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most insurance policies.

Liability

This coverage will cover damage that occurs to other people or property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as legal defense fees, structural damage, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical costs insurance

Med pay and PIP coverage pay for expenses for things like pain medications, funeral costs, prosthetic devices, X-ray expenses and rehabilitation expenses. 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 and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision protection

This coverage pays for damage to your Jetta 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 claims such as sideswiping another vehicle, crashing into a ditch, crashing into a building, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Comprehensive or Other Than Collision

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, a tree branch falling on your vehicle, damage from flooding and vandalism. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your Volkswagen Jetta.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Buy online or local, you save

We covered some good ideas how you can shop for 2014 Volkswagen Jetta insurance online. The key thing to remember is the more quotes you get, the better chance you’ll have of finding low cost insurance. You may even find the best rates are with some of the smallest insurance companies. They can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and Geico.

As you quote insurance, never reduce needed coverages to save money. There are too many instances where someone sacrificed full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage at the best cost and still be able to protect your assets.

More tips and info about insurance coverage can be read by following these links:

• What is Full Coverage? (Allstate)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Understanding Your Insurance Deductible (Insurance Information Insitute)