View 2009 Volkswagen Jetta Car Insurance Cost

Searching for lower car insurance rates for your Volkswagen Jetta? Are you regretting buying an expensive car insurance policy? It’s quite common and many consumers are in the same pinch. Vehicle owners have multiple insurers to buy insurance from, and though it is a good thing to have a choice, it can be more difficult to compare rates and cut insurance costs.

It’s smart to compare prices periodically because prices tend to go up over time. Just because you had the lowest rates for Jetta insurance a few years ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the best way to properly buy coverages while reducing your premium.

Choosing the best insurance company for you is not that difficult. If you are insured now or are looking for a new policy, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Consumers just need to know the most efficient way to shop over the internet.

Finding insurance coverage

Getting a cheaper price on 2009 Volkswagen Jetta insurance is actually quite simple. All that’s required is to invest a little time to compare free auto insurance quotes to find out which insurance company has cheaper auto insurance quotes. This can be accomplished using a couple different methods.

  1. The first (and easiest) way to get quotes is to use a rate comparison form click to view form in new window. This form eliminates the need for a different quote for every company. In just a few minutes this one form will return price quotes from many national carriers.
  2. A slightly less efficient method to find more affordable insurance is to take the time to go to the website for each individual company and complete a new quote form. For instance, let’s say you want to get rates from Nationwide, Farmers and GMAC. You would need to spend time on each company’s site and type in your information over and over, which is why first method is reommended.

    For a handy list of car insurance company links in your area, click here.

Compare rates however you want, just ensure you are comparing the exact same deductibles and coverage limits on every quote. If you compare different limits and deductibles on each one it’s not possible to find the best deal for your Volkswagen Jetta.

Take advantage of with these discounts

Companies that sell car insurance don’t list all their discounts very well, so we took the time to find both the well known and the more hidden discounts you could be receiving when you buy auto insurance online.

  • Data Collection Discounts – Insureds that choose to allow data collection to spy on driving patterns by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they have good driving habits.
  • Multi-line Discount – Larger insurance companies have a discount if you purchase some life insurance in addition to your auto policy.
  • Claim Free – Insureds with no claims or accidents can save substantially in comparison with policyholders that have many claims.
  • College Student Discount – Children who attend college more than 100 miles from home and leave their car at home can receive lower rates.
  • E-sign – A few larger companies will discount your bill up to fifty bucks for completing your application over the internet.
  • Home Ownership Discount – Simply owning a home can help you save on car insurance since owning and maintaining a home requires a higher level of personal finance.
  • Buy New and Save – Adding a new car to your policy may earn a small discount due to better safety requirements for new vehicles.
  • Driver Safety – Taking time to complete a course teaching driver safety skills could earn you a small percentage discount and make you a better driver.
  • More Vehicles More Savings – Purchasing coverage when you have several vehicles on one policy qualifies for this discount.
  • Good Grades Discount – Maintaining excellent grades can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.

As a sidenote, many deductions do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

Popular car insurance companies and the discounts they provide are shown below.

  • Progressive includes discounts for multi-policy, online signing, online quote discount, good student, and homeowner.
  • AAA offers discounts for multi-policy, good student, education and occupation, AAA membership discount, anti-theft, multi-car, and pay-in-full.
  • Farmers Insurance policyholders can earn discounts including youthful driver, homeowner, mature driver, early shopping, and business and professional.
  • GEICO has discounts for membership and employees, multi-policy, daytime running lights, good student, military active duty, and defensive driver.
  • Esurance may include discounts for homeowner, Switch & Save, online quote, anti-lock brakes, and defensive driver.
  • SAFECO has savings for anti-lock brakes, teen safety rewards, teen safe driver, accident prevention training, drive less, and homeowner.
  • State Farm may offer discounts for student away at school, safe vehicle, multiple policy, accident-free, good student, driver’s education, and passive restraint.

Check with every company the best way to save money. Some discounts may not be offered in your area. To see insurers that offer many of these discounts, follow this link.

Your situation helps dictate your coverage

When choosing the best auto insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions can aid in determining if you will benefit from professional help.

  • What companies insure drivers after a DUI or DWI?
  • What is the minimum liability in my state?
  • Does insurance cover tools stolen from my truck?
  • What is roadside assistance coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered if I crash into my own garage door?
  • What discounts do I qualify for?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Coverages available on your car insurance policy

Knowing the specifics of your policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages available from car insurance companies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills like prosthetic devices, hospital visits and dental work. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, damage from flooding, rock chips in glass and falling objects. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Volkswagen Jetta.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as sustaining damage from a pot hole, hitting a parking meter, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability coverages

This coverage provides protection from damage that occurs to other people or property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as pain and suffering, court costs, attorney fees and bail bonds. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Spend less. Save more.

As you restructure your insurance plan, it’s very important that you do not reduce coverage to reduce premium. In many cases, an insured dropped collision coverage only to find out that it was a big mistake. Your objective should be to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.

Lower-priced car insurance is attainable both online in addition to many insurance agents, so get free auto insurance quotes from both of them to have the best rate selection. A few companies may not offer online price quotes and these small, regional companies provide coverage only through independent insurance agents.

Even more information can be read at these sites: