Compare 2018 Volkswagen Jetta Insurance Rates

Finding the cheapest insurance for a Volkswagen Jetta can turn out to be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to shop for insurance coverage and we’ll show you the quickest way to price shop coverage on a Volkswagen and obtain the cheapest rates either online or from local insurance agents.

Get cheap car insurance with discounts

Car insurance is neither fun to buy or cheap, but discounts can save money and there are some available that can dramatically reduce your bill. Certain credits will be shown when you purchase, but some need to be asked about before they will apply.

• Renewal Discounts – A few larger companies allow discounts for signing up early. It’s a savings of about 10%.
• Driver’s Ed – It’s a good idea to have your young drivers sucessfully take a drivers education course in high school.
• Multiple Cars – Insuring primary and secondary vehicles with the same car insurance company may reduce the rate for each vehicle.
• Safe Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates on Jetta insurance as compared to drivers with claims.
• No Claim Discounts – Good drivers with no accidents get the best car insurance rates as compared to policyholders that have many claims.
• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy auto and life insurance together.
• Membership in Organizations – Being a member of a professional or civic organization is a good way to get lower rates on your next renewal.
• Policy Bundle Discount – If you have multiple policies and place coverage with the same company they may give you a discount of at least 10% off all policies.

Discounts lower rates, but most discounts do not apply the the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears all the discounts add up to a free policy, that’s just not realistic.

Larger car insurance companies and a selection of discounts are shown below.

• 21st Century offers premium reductions for good student, automatic seat belts, air bags, student driver, driver training, and early bird.
• Progressive has savings for online signing, multi-policy, multi-vehicle, online quote discount, homeowner, and good student.
• State Farm offers discounts for driver’s education, Drive Safe & Save, multiple policy, good student, anti-theft, multiple autos, and good driver.
• Nationwide discounts include Farm Bureau membership, good student, family plan, defensive driving, accident-free, and multi-policy.
• Esurance may include discounts for paid-in-full, renters, DriveSense, claim free, and Switch & Save.
• The Hartford may have discounts that include bundle, defensive driver, air bag, good student, and anti-theft.

Before buying, ask every insurance company which credits you are entitled to. Some discounts might not be offered in your area. If you would like to choose from a list of insurance companies offering car insurance discounts, click here.

Tailor your insurance coverage to you

When it comes to choosing coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether you would benefit from professional advice.

• Do I need PIP (personal injury protection) coverage in my state?
• How much liability insurance is required?
• Can my teen driver be rated on a liability-only vehicle?
• Is a fancy paint job covered?
• When should I remove comp and collision on my 2018 Volkswagen Jetta?
• What is high-risk coverage and where do I buy it?
• Can my babysitter drive my car?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage information

Having a good grasp of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage – Collision coverage covers damage to your Jetta resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Auto liability insurance – Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. It 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 injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things like structural damage, repair bills for other people’s vehicles, court costs and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for expenses like nursing services, doctor visits, rehabilitation expenses, EMT expenses and prosthetic devices. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. 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 an option in every state and may carry a deductible

Comprehensive coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, fire damage and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Have money to burn

People change insurance companies for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, being labeled a high risk driver or lack of trust in their agent. Regardless of your reason, switching auto insurance companies can be easy and end up saving you some money.

We covered a lot of ways to compare 2018 Volkswagen Jetta insurance car insurance rates online. The key thing to remember is the more companies you get premium rates for, the better your chances of lowering your premium rates. Consumers could even find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

Some auto insurance companies may not provide online quoting and these smaller providers only sell coverage through local independent agencies. Cheaper auto insurance is attainable on the web in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates.

Additional information is available at the links below

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)
• Event Data Recorders FAQ (iihs.org)
• Parking Tips to Reduce Door Dings (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)