2012 Volkswagen Jetta Insurance Rates – 6 Ideas for Cheaper Quotes

I really doubt anyone looks forward to buying auto insurance, especially knowing they could lower their rates if they shopped around. Companies like Allstate, Liberty Mutual and State Farm continually bombard you with catchy ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

If you have a current insurance coverage policy or need a new policy, you can learn to find better prices while maintaining coverages. Buying car insurance is not that difficult. Consumers only need to know the best way to compare price quotes over the internet.

The quickest method we recommend to get policy rate comparisons takes advantage of the fact almost all companies have advanced systems to quote your coverage. The only thing you need to do is take a few minutes to give details including whether you are single or married, deductibles desired, your education level, and driver details. Your rating data gets sent immediately to all major companies and you receive quotes within a short period of time.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your insurance needs might need professional guidance.

• Do I need to file an SR-22 for a DUI in my state?
• Does my liability insurance cover pulling a trailer or camper?
• Am I covered if I break a side mirror?
• When should my teen driver be added to my policy?
• When would I need rental car insurance?
• Does my medical payments coverage pay my health insurance deductible?
• Which companies will insure high-risk drivers?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage considerations

Knowing the specifics of car insurance can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types offered by car insurance companies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision insurance

Collision insurance covers damage to your Jetta caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a ditch, backing into a parked car, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims like court costs, legal defense fees, repair bills for other people’s vehicles, medical expenses and medical services. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, fire damage, rock chips in glass, a broken windshield and damage from getting keyed. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses such as hospital visits, prosthetic devices and chiropractic care. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible