Lower Your 2010 Volkswagen Jetta Insurance Cost

Want the cheapest car insurance rates for your Volkswagen Jetta? Are you sick and tired of not being able to afford to make your car insurance payment? You’re in the same situation as many other drivers.

Lots of insurance companies contend for your business, so it’s not easy to compare every insurance company to get the best price available.

If you have car insurance now, you will be able to cut costs considerably using these methods. Finding the best rates is not rocket science. But consumers benefit from understanding how companies price insurance differently and apply this information to your search.

How to get cheap auto insurance

To find the best auto insurance quotes, there are several ways of comparing rate quotes from different insurance companies. The best method to find the cheapest 2010 Volkswagen Jetta insurance rates consists of obtaining rate quotes online. This can be done in several different ways.

1. Experts agree that the best way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This quick form saves time by eliminating repetitive form submissions for every company. A single form gets rate comparisons from all major companies.
2. Another way to find more affordable insurance requires you to visit each company’s website and fill out their own quote form. For examples sake, let’s say you want rates from Auto-Owners, Geico and Progressive. You would have to navigate to each company’s site and enter your policy data, and that explains why we recommend the first method.

   To view a list of companies in your area, click here.

3. If you have time to kill, the last way to compare price estimates is physically going to and from local insurance agencies. The ability to quote online eliminates the need for an insurance agent unless you have a need for the personal advice that only a licensed agent can provide. However, consumers can comparison shop online and still use a local agent.

The approach you take is up to you, just make absolute certain that you use nearly identical coverage data with every price quote. If you use different deductibles it’s impossible to determine which rate is truly the best. Even a minor difference in limits could throw off the whole comparison. And when comparing auto insurance rates, know that comparing all the rates in your area will improve the odds of getting the best rates.

Insurance policy discounts you can’t miss

Insurance is neither fun to buy or cheap, but you may find discounts that you may not even know about. Some of these disounts will be visible when you quote, but a few need to be specifically requested in order for you to get them.

• Accident Free – Claim-free drivers pay less when compared with policyholders that have many claims.
• Anti-lock Brake System – Cars and trucks that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.
• Full Payment Discount – By paying your entire bill at once rather than spreading payments over time you can avoid monthly service charges.
• Theft Prevention System – Cars with anti-theft systems are less likely to be stolen and earn discounts up to 10% off your insurance coverage quote.
• Discounts for Good Drivers – Accident-free drivers may receive a discount up to 45% for Jetta insurance than drivers with accident claims.
• One Accident Forgiven – but some companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident before your rates go up if you are claim-free for a set time period.
• Homeowners Savings – Owning a house can save you money because owning a home requires personal responsibility.
• Multiple Vehicles – Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
• Seat Belt Usage – Forcing all vehicle occupants to buckle their seat belts could save 15% off PIP or medical payments premium.
• Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20 to 30 percent.

One thing to note about discounts is that most credits do not apply to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it’s just not the way it works.

A list of insurance companies and a partial list of their discounts are outlined below.

• State Farm discounts include anti-theft, multiple policy, Steer Clear safe driver discount, defensive driving training, multiple autos, accident-free, and Drive Safe & Save.
• American Family has savings for accident-free, Steer into Savings, early bird, multi-vehicle, and good student.
• AAA may have discounts that include multi-car, education and occupation, anti-theft, multi-policy, good student, pay-in-full, and good driver.
• Geico may offer discounts for membership and employees, emergency military deployment, air bags, federal employee, and good student.
• Mercury Insurance includes discounts for accident-free, multi-car, low natural disaster claims, annual mileage, ease of repair, and age of vehicle.
• Farmers Insurance offers discounts for mature driver, business and professional, homeowner, early shopping, electronic funds transfer, and youthful driver.
• Progressive offers premium reductions for homeowner, online signing, good student, multi-vehicle, and continuous coverage.

If you need lower rates, check with every prospective company what discounts are available to you. Discounts may not apply to policies in your state.

Insurance agents can help

When it comes to choosing coverage, there really is not a single plan that fits everyone. Every situation is different so your insurance should reflect that For instance, these questions might point out whether you would benefit from an agent’s advice.

• Does medical payments coverage apply to all occupants?
• Can my babysitter drive my car?
• Should I have combined single limit or split liability limits?
• What is no-fault insurance?
• Is upholstery damage covered by car insurance?
• Do I need motorclub coverage?
• Is a fancy paint job covered?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverage information

Knowing the specifics of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on most car insurance policies.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for nursing services, pain medications and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Liability insurance

This can cover damage or injury you incur to a person or their property. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that translate to 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 can pay for claims such as medical expenses, legal defense fees, repair bills for other people’s vehicles, repair costs for stationary objects and court costs. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Auto collision coverage

This will pay to fix damage to your Jetta caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, hitting a deer and a broken windshield. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2010 Volkswagen Jetta.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.