2011 Volkswagen Jetta SportWagen Insurance Quotes – 9 Tips for Best Rates

Finding low-cost insurance for your Volkswagen Jetta SportWagen could be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to buy car insurance and we’ll show you the quickest way to compare rates for a new or used Volkswagen and find the lowest price either online or from local insurance agents.

You should take the time to compare prices before your policy renews due to the fact that insurance prices are variable and change quite frequently. Just because you had the best deal for Jetta SportWagen coverage six months ago the chances are good that you can find a lower rate quote today. Ignore everything you know about car insurance because we’re going to demonstrate the proper way to find better coverage at a better price.

Insurance Coverage Discounts

Companies offering auto insurance don’t always advertise every discount they offer very well, so the list below details both the well known and the more hidden credits that you can use to lower your rates.

  • Sign Early and Save – Some companies provide a discount for buying a policy before your current expiration date. You can save around 10% with this discount.
  • Defensive Driver Discount – Participating in a course in defensive driving could save 5% or more depending on where you live.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
  • Drive Safe and Save – Drivers without accidents could pay up to 40% less for Jetta SportWagen coverage than drivers with accidents.
  • Bundled Policy Discount – When you combine your home and auto insurance and insure them both with the same insurance company you may earn 10% to 20% off each policy.
  • College Student Discount – Any of your kids who live away from home to go to college and do not have access to a covered vehicle may be able to be covered for less.
  • ABS Braking Discount – Cars that have steering control and anti-lock brakes can reduce accidents and the ABS can save up to 10%.
  • Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students up to age 25.
  • Theft Prevention Discount – Cars and trucks with anti-theft systems help deter theft and can earn a small discount on your policy.

One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. So even though you would think all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will help reduce your insurance coverage premiums.

A few popular companies and the discounts they provide are detailed below.

  • Esurance may include discounts for homeowner, online shopper, claim free, Pac-12 alumni, and anti-lock brakes.
  • The Hartford policyholders can earn discounts including air bag, bundle, good student, defensive driver, driver training, and vehicle fuel type.
  • AAA offers premium reductions for pay-in-full, multi-car, good driver, AAA membership discount, and multi-policy.
  • GEICO has discounts for anti-theft, five-year accident-free, defensive driver, membership and employees, daytime running lights, military active duty, and driver training.
  • State Farm offers discounts including accident-free, anti-theft, Steer Clear safe driver discount, multiple policy, and passive restraint.

If you need low cost insurance coverage quotes, ask every insurance company which credits you are entitled to. Discounts might not be offered everywhere.

The method we recommend to compare rates takes advantage of the fact most of the bigger providers participate in online systems to give rate comparisons. All you need to do is provide information like if you lease or own, the type of vehicles you drive, if it has an alarm system, and how many miles driven. The data is then submitted to multiple top-rated companies and you will receive price estimates almost instantly.

To find the cheapest 2011 Volkswagen Jetta SportWagen insurance rates, click here and enter your zip code.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

For instance, these questions might help in determining whether you might need an agent’s assistance.

  • Are there companies who specialize in insuring high-risk drivers?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I have combined single limit or split liability limits?
  • Am I covered if hit by an uninsured driver?
  • How can I find cheaper teen driver insurance?
  • Does my policy pay for OEM or aftermarket parts?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Insurance coverages and their meanings

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for chiropractic care, X-ray expenses and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage will pay to fix damage to your Jetta SportWagen resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for liability

Liability insurance will cover damage or injury you incur to other people or property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like structural damage, medical services, medical expenses, legal defense fees and attorney fees. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Volkswagen Jetta SportWagen.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, vandalism, theft and hail damage. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Smart shoppers get results

People who switch companies do it for a number of reasons such as policy non-renewal, poor customer service, lack of trust in their agent and high rates after DUI convictions. Regardless of your reason, finding the right insurance provider is less work than it seems.

When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. There have been many situations where someone sacrificed uninsured motorist or liability limits and learned later that they should have had better coverage. The goal is to buy enough coverage at the best possible price but still have enough coverage for asset protection.

We just presented many ideas to save on 2011 Volkswagen Jetta SportWagen insurance. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. Drivers may discover the lowest prices are with the smaller companies.

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