View 2013 Volkswagen Jetta SportWagen Insurance Quotes

Scraping up a payment for high-priced Volkswagen Jetta SportWagen insurance can consume your savings and possibly require postponing other expenditures. Comparing rate quotes is recommended to slash your bill and have more diposable income.

Drivers have multiple auto insurance companies to pick from, and although it’s a good thing to have multiple companies, too many choices makes it more difficult to compare rates.

Buy insurance online

Getting low cost 2013 Volkswagen Jetta SportWagen insurance pricing can be relatively painless. You just need to take a couple of minutes comparing price quotes to see which company has the cheapest car insurance quotes. It’s super easy and can be done by using one of the methods below.

  • The single most time-saving way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing repetitive form submissions for each price estimate. In just a few minutes this one form gets you price quotes from several companies.
  • A more time consuming way to obtain and compare quotes online consists of going to each company website and fill out their own quote form. For sake of this example, we’ll assume you are doing a rate comparison from GEICO, Farmers and Travelers. You would be required to spend time going to each site individually to enter your coverage information, which can get old fast. To view a list of companies in your area, click here.
  • Even if you have time, the least recommended method to compare price estimates is driving to all the different insurance agencies. The fact that you can get quotes online makes this unnecessary unless your situation requires the professional guidance of a local agent. You can, however, comparison shop your insurance online but buy from a local insurance agent.

It’s up to you how you get prices quotes, just make darn sure you compare identical coverage data with every price quote. If you compare mixed coverages then you won’t be able to determine the best price for your Volkswagen Jetta SportWagen.

Insurance coverage policy discounts

Companies that sell car insurance do not advertise all available discounts in a way that’s easy to find, so the next list breaks down both the well known as well as the least known credits available to lower your premiums when you buy car insurance online. If you are not receiving all the discounts you deserve, you are just wasting money.

  • Multiple Cars – Buying insurance for multiple cars or trucks with the same insurance coverage company can reduce the rates for all insured vehicles.
  • Accident Forgiveness – This one isn’t a discount, but a few companies such as Liberty Mutual and GEICO will let one accident slide before your rates go up as long as you don’t have any claims for a certain period of time.
  • Paper-free Discount – A handful of larger companies will provide an incentive for signing up on the internet.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Passenger Safety Discount – Factory air bags or automatic seat belts can get savings as much as 30%.
  • Discount for Home Ownership – Just owning your own home can earn you a little savings because maintaining a house is proof that your finances are in order.
  • Defensive Driver Discounts – Passing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Club Memberships – Participating in a professional or civic organization could trigger savings on your policy.

It’s important to note that many deductions do not apply the the whole policy. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way.

If you would like to view insurance companies that have a full spectrum of discounts, click here to view.

How do I know if I need professional advice?

When buying adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For example, these questions may help you determine whether you will benefit from professional help.

  • Why do I need rental car insurance?
  • Why am I required to get a high-risk car insurance policy?
  • Is my trailer covered?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Which companies will insure high-risk drivers?
  • Does my policy pay for OEM or aftermarket parts?
  • Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

How insurance companies calculate Volkswagen Jetta SportWagen insurance premiums

Multiple criteria are used in the calculation when pricing auto insurance. Some factors are common sense like a motor vehicle report, but others are less obvious such as whether you are married or your vehicle rating.Consumers need to have an understanding of the factors that are used to determine your car insurance rates. When consumers understand what influences your rates, this allows you to make good choices that can help you get big savings.

The following are just a few of the factors used by your company to calculate your prices.

  • Bad credit will cost you – Having a bad credit history will be a significant factor in determining your rates. Insureds with high credit scores tend to file fewer claims and have better driving records than drivers with poor credit scores. So if your credit history can be improved, you could save money insuring your 2013 Volkswagen Jetta SportWagen by taking the time to improve your credit score.
  • Marriage is a factor – Having a wife or husband may cut your premiums when buying car insurance. Marriage usually means you are more financially stable and statistics show married drivers tend to have fewer serious accidents.
  • How do annual miles impact rates? – Driving a lot of miles every year the more you’ll pay to insure it. The majority of insurers charge rates determined by how the vehicle is used. Autos used primarily for pleasure use get more affordable rates compared to those used for work or business. Double check that your vehicle rating properly reflects annual mileage, because it can save money. An improperly rated Jetta SportWagen is just wasting money.
  • Premiums are lower the older you get – Mature drivers tend to be more responsible, cause fewer claims and accidents and get fewer tickets.Beginning drivers are statistically shown to be inattentive with other occupants in the car so they pay higher car insurance rates.
  • Qualify for multi-policy discounts – Lots of insurance companies afford discounts to clients that buy multiple policies, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to compare other insurance prices to help ensure you have the lowest rates.
  • A lpolicy lapse is a bad thing – Driving with no insurance is against the law and car insurance companies will penalize you for letting your insurance coverage expire. In addition to paying higher premiums, failure to provide proof of insurance could result in fines or a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.

Specific coverage details

Knowing the specifics of your car insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on most car insurance policies.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like funeral costs, dental work, chiropractic care, hospital visits and doctor visits. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Volkswagen Jetta SportWagen.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Comprehensive auto coverage – This covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, damage from flooding, vandalism, fire damage and hitting a bird. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a ditch, damaging your car on a curb, hitting a mailbox, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability car insurance – Liability insurance can cover damage that occurs to other people or property in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see 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 can pay for things such as repair costs for stationary objects, medical services, medical expenses, structural damage and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Shop. Compare. Save.

We’ve covered some good ideas how you can lower your 2013 Volkswagen Jetta SportWagen insurance premium rates. The most important thing to understand is the more companies you get prices for, the higher your chance of finding inexpensive car insurance. You may be surprised to find that the lowest premium rates come from a lesser-known regional company. They may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

As you restructure your insurance plan, it’s a bad idea to buy poor coverage just to save money. There have been many cases where drivers have reduced liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.

To read more, feel free to browse the resources below: