Compare 2013 Volkswagen Jetta GLI Insurance Quotes

Buyers have a choice when searching for the best price on Volkswagen Jetta GLI insurance. They can either spend hours driving around getting price quotes or use the internet to find the lowest rates.

There are more efficient ways to buy insurance so we’re going to tell you the absolute fastest way to price shop coverage for your Volkswagen and find the lowest price from both online companies and local agents.

It’s smart to compare prices once or twice a year due to the fact that insurance prices are adjusted regularly by insurance companies. Even if you think you had the lowest price for Jetta GLI coverage on your last policy you will most likely find a better rate quote today. Forget all the misinformation about insurance because I’m going to teach you the best way to find better rates and still maintain coverage.

This information will help you learn how to effectively get price quotes and some money-saving tips. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these techniques. Drivers only need an understanding of how to shop for insurance on the web.

Compare insurance price quotes

Finding a better price on insurance is actually quite simple. Consumers just need to spend a few minutes on the computer to compare free insurance quotes from different insurance companies. Shoppers can get rates in several different ways.

The best way to compare a lot of rates at once is a comparison rater form click to view form in new window. This quick form keeps you from doing boring form submissions for each company. A single, simple form gets you coverage quotes from many national carriers.It’s the quickest way to get rates.
A different way to get comparison quotes requires you to visit the website for every company you want to comare and fill out their own quote form. For examples sake, let’s assume you want to see prices from Progressive, Safeco and GEICO. To do that, you would have to go to every website and punch in your information repeatedly, which is why first method is reommended. For a list of links to insurance companies in your area, click here.
The old school method to compare rates is to drive around to all the different insurance agencies. Doing it all online makes this process obsolete unless you require the extra assistance that only a licensed agent can provide. Although you can comparison shop online but have your policy serviced through an agent.

It’s your choice how you get your quotes, but make sure you are using identical information on every quote. If you have unequal deductibles or liability limits it’s impossible to find the best deal for your Volkswagen Jetta GLI.

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Get lower-cost rates with these discounts

Some providers don’t list every discount they offer very well, so we took the time to find both well-publicized and the harder-to-find credits available to you.

Auto/Home Discount – If you have multiple policies with the same insurance company you could earn a discount of as much as 10 to 15 percent.
Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in high school.
College Student Discount – Older children who attend college more than 100 miles from home and do not have a car may be insured at a cheaper rate.
New Car Discount – Adding a new car to your policy can save you some money due to better safety requirements for new model year vehicles.
Fewer Miles Equal More Savings – Low annual miles may enable drivers to earn slightly better car insurancerates than normal.
Drive Safe and Save – Insureds without accidents may save up to 50% more for Jetta GLI coverage as compared to drivers with claims.
Homeowners Pay Less – Being a homeowner can save you money because it requires personal responsibility.
No Claim Discounts – Drivers who don’t have accidents get the best car insurance rates as opposed to drivers who are more careless.
Active Military Service – Having a deployed family member could trigger a small discount.

Drivers should understand that some credits don’t apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, car insurance companies aren’t that generous.

A few popular companies and a summarized list of policyholder discounts can be found below.

Travelers offers premium reductions for new car, payment discounts, early quote, home ownership, IntelliDrive, and good student.
21st Century has savings for homeowners, 55 and older, automatic seat belts, anti-lock brakes, and theft prevention.
State Farm has discounts for multiple policy, anti-theft, defensive driving training, passive restraint, driver’s education, good student, and Drive Safe & Save.
GEICO policyholders can earn discounts including daytime running lights, emergency military deployment, anti-theft, driver training, and military active duty.
SAFECO may include discounts for multi-car, teen safe driver, bundle discounts, anti-theft, teen safety rewards, safe driver, and accident prevention training.
AAA discounts include AAA membership discount, pay-in-full, multi-car, good driver, good student, education and occupation, and multi-policy.

Before you buy a policy, ask every prospective company how many discounts you can get. Some credits might not be offered on policies in your area. To see car insurance companies with discount car insurance rates, click here.

Insurance coverage can be complex

When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is unique.

For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

Why am I be forced to buy a membership to get insurance from some companies?
What is the ISO rating for a 2013 Volkswagen Jetta GLI?
Should I buy more coverage than the required minimum liability coverage?
Is upholstery damage covered by car insurance?
Does coverage extend to a rental car in a foreign country?
Am I better off with higher deductibles on my 2013 Volkswagen Jetta GLI?
How much liability do I need to cover my assets?
Am I covered if I crash into my own garage door?
Is extra glass coverage worth it?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Components of your Volkswagen Jetta GLI insurance premiums

Consumers need to have an understanding of some of the elements that help calculate the price you pay for insurance. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make good choices that may reward you with cheaper rates. Many different elements are considered when you get a price on insurance. Some are obvious such as your driving record, but some are more obscure like your continuous coverage or your financial responsibility.

Drivers with good credit save – A driver’s credit rating will be a significant factor in calculating your premium rate. Drivers who have high credit ratings tend to file fewer claims than drivers with lower credit scores. If your credit history can use some improvement, you could potentially save money when insuring your 2013 Volkswagen Jetta GLI by spending a little time repairing your credit.
Advanced alarms and GPS tracking – Selecting a car model with a theft deterrent system can get you a discount on your insurance. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all help stop car theft and help bring rates down.
More traffic means higher claims – Living in a small town is a positive aspect when it comes to insurance. Fewer drivers on the road translates into fewer accidents. Residents of big cities have more road rage incidents and higher rates of accident claims. Higher commute times means higher likelihood of an accident.
Annual miles impacts premiums – The more you drive in a year the higher the price you pay to insure it. A lot of insurance companies charge rates based upon how you use the vehicle. Cars not used for work or commuting receive better premium rates than cars that get driven a lot. Ask your agent if your insurance declarations sheet reflects the correct usage, because it can save money. Having an incorrect usage rating on your Jetta GLI is just wasting money.

Insurance advertising tricks

Drivers constantly see and hear ads that claim the cheapest car insurance rates by Progressive, GEICO, Allstate and State Farm. They all tend to make the same promise that you’ll save big just by moving to their company.

That’s great but how can every company charge lower premium rates? It’s all in the numbers.

Many companies have specific characteristics for the type of driver that is profitable for them. One example of a desirable insured might have to be over the age of 50, has no claims, and drives a vehicle with a low ISO rating. A customer that matches those criteria will most likely get cheap prices and will most likely save when they switch companies.

Drivers who are not a match for this stringent profile will probably have to pay higher rates with the end result being the driver buying from a lower-cost company. If you pay attention, the ads say “customers that switch” but not “everyone who gets a quote” save that kind of money. That’s the way companies can make those statements.

Because of this risk profiling, you should compare as many free insurance quotes as you can. It’s just not possible to know which insurance companies will fit your personal profile best.

Specific coverage details

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Insurance for medical payments

Med pay and PIP coverage pay for expenses for surgery, prosthetic devices, nursing services, hospital visits and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, fire damage, hitting a deer, damage from getting keyed and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability

Liability coverage protects you from damage or injury you incur to other’s property or people that is your fault. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

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 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like pain and suffering, emergency aid, court costs, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Volkswagen Jetta GLI.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Have the Midas touch

People leave their current company for a number of reasons such as being labeled a high risk driver, poor customer service, questionable increases in premium or extreme rates for teen drivers. Whatever your reason, finding a new insurance coverage company is pretty simple and you could end up saving a buck or two.

A few companies do not provide online price quotes and usually these regional insurance providers sell through independent insurance agencies. Cheap 2013 Volkswagen Jetta GLI insurance is available from both online companies in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates.

We just covered many tips how you can compare 2013 Volkswagen Jetta GLI insurance rates online. The key concept to understand is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may even find the biggest savings come from some of the smallest insurance companies.

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