How Much Does 2014 Volkswagen Jetta Car Insurance Cost?

Searching for the cheapest insurance coverage rates for your Volkswagen Jetta? Locating the cheapest insurance for a new or used Volkswagen Jetta can turn out to be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to compare insurance coverage rates so you’re going to learn the proper way to price shop coverage for a new or used Volkswagen and locate the lowest price from both online companies and local agents.

You should take the time to do rate comparisons before your next renewal because insurance coverage prices are usually higher with each renewal. If you had the lowest price for Jetta coverage six months ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in one of the best ways to reduce your cost while increasing coverage.

If you are insured now or are shopping for new coverage, you can learn to reduce the price you pay while maintaining coverages. Buying affordable insurance coverage is not that difficult. Vehicle owners just need to know the proper methods to compare company rates online.

The method we recommend to get policy rate comparisons takes advantage of the fact most larger insurance companies provide online access to compare rate quotes. The one thing you need to do is provide information including the make and model of your vehicles, your general credit rating, if you’re married, and how old drivers are. Your rating data is then sent to multiple insurance coverage providers and they return rate quotes very quickly.

Auto Insurance Discounts

Buying auto insurance is not cheap, but you might already qualify for some discounts to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but some discounts are required to be requested specifically before being credited.

Federal Employees – Employees or retirees of the government could cut as much as 10% off for Jetta coverage depending on your auto insurance provider.
Membership in Organizations – Affiliation with certain professional organizations may earn a discount when getting a insurance coverage quote.
Save with More Vehicles Insured – Buying a policy with several vehicles on a single policy may reduce the rate for each vehicle.
Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school or through a local driver safety program.
Passenger Safety Discount – Options like air bags or automatic seat belts may qualify for discounts as much as 30%.
Safe Driver Discount – Insureds who avoid accidents can save as much as half off their rates for Jetta coverage compared to accident prone drivers.

We need to note that many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, you’re out of luck.

A list of auto insurance companies and their offered discounts are detailed below.

Farm Bureau offers premium reductions for youthful driver, multi-policy, driver training, 55 and retired, safe driver, and good student.
State Farm has discounts for Drive Safe & Save, good driver, accident-free, good student, and student away at school.
Progressive has savings for online quote discount, multi-vehicle, online signing, homeowner, continuous coverage, and multi-policy.
Allstate may include discounts for premier discount, safe driver, anti-theft, anti-lock brakes, utility vehicle, economy car, and teenSMART discount.
Nationwide discounts include easy pay, Farm Bureau membership, good student, anti-theft, business or organization, and defensive driving.
MetLife may have discounts that include accident-free, claim-free, multi-policy, good student, good driver, defensive driver

When comparing rates, check with all the companies to give you their best rates. Some of the discounts discussed earlier may not be offered in your area. To choose providers that provide some of the discounts listed above, click here to view.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine whether you would benefit from an agent’s advice.

Do I need medical payments coverage since I have good health insurance?
Does my 2014 Volkswagen Jetta qualify for pleasure use?
What vehicles should carry emergency assistance coverage?
Do I have coverage when using my vehicle for my home business?
Are all vehicle passengers covered by medical payments coverage?
Does my liability insurance cover pulling a trailer or camper?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance policy coverages for a Volkswagen Jetta

Understanding the coverages of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage

This coverage covers 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 coverage protects against things like hail damage, hitting a bird, falling objects and vandalism. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

This protects you from damages or injuries you inflict on people or other property that is your fault. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like structural damage, legal defense fees, medical expenses, attorney fees and bail bonds. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2014 Volkswagen Jetta.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like hospital visits, EMT expenses and nursing services. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage covers damage to your Jetta from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, sideswiping another vehicle, backing into a parked car, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.