2014 Volkswagen Jetta GLI Car Insurance Quotes

Saving money on auto insurance is very difficult for drivers who have little experience comparison shopping online. Drivers have so many companies to choose from that it can easily become a ton of work to find cheaper auto insurance rates.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this strategy. Locating the cheapest coverage is simple if you know the tricks. Although consumers benefit from understanding how insurance companies determine prices.

Compare car insurance rates

When shopping for affordable car insurance quotes, there are a couple of ways of comparing price quotes from many different insurance companies. The simplest method to find affordable 2014 Volkswagen Jetta GLI insurance rates is to get quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

  • If you’re in a hurry, the quickest way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This easy form eliminates the need for multiple quote forms for every prospective company. Filling out one form gets prices estimates instantly.It’s the quickest way to get rates.
  • A different way to find more affordable insurance is spending the time to visit the website of each company to request a price quote. For examples sake, we’ll pretend you want to compare prices for Allstate, Farmers and State Farm. To get each rate you have to spend time on each company’s site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, ensure you are comparing equivalent coverage information for every quote you compare. If you compare different limits and deductibles on each one you can’t possibly determine which company has the best rates. Quoting even small variations in insurance coverages or limits can result in a big premium difference. And when comparing car insurance rates, know that comparing more company’s prices will improve the odds of getting the best rates. Some companies don’t provide rate quotes online, so you should also compare rates from them as well.

Be skeptical of insurance coverage ads

Insurance coverage providers like State Farm, GEICO and Progressive consistently run ads on television and other media. All the companies advertise claims that drivers will save a bundle if you change your policy. But how can every company make the same claim? You have to listen carefully.

Different companies provide the lowest rates for the driver that will add to their bottom line. For example, a driver they prefer might be described as between the ages of 30 and 45, has never had a claim, and does not commute to work. Any new insured that matches those criteria receives the best prices and as a result will probably cut their rates substantially.

People who cannot meet the ideal profile will see more expensive rates which results in business not being written. The trick companies use is to say “drivers who switch” not “everyone who quotes” save that kind of money. That is how insurance companies can claim big savings.

Each company has different criteria, so you absolutely need to quote coverage with many companies. Because you cannot predict which insurance coverage company will be your best fit.

Get cheaper auto insurance quotes with discounts

Companies that sell car insurance don’t necessarily list all disounts in a way that’s easy to find, so the following is a list of both the well known and also the more inconspicuous auto insurance savings.

  • Telematics Devices – People who choose to allow their company to look at driving manner by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they are good drivers.
  • Air Bags and Passive Restraints – Cars that have air bags may earn rate discounts as much as 30%.
  • Policy Bundle Discount – When you combine your homeowners and auto insurance and place coverage with the same company you could save over 10 percent off each policy depending on the company.
  • Lower Rates for Military – Being on active deployment in the military could be rewarded with lower rates.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.

Consumers should know that most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, auto insurance companies aren’t that generous.

Auto insurance companies who may offer these money-saving discounts are:

Check with each insurance company how many discounts you can get. Some of the earlier mentioned discounts might not be offered on policies in your area. To view auto insurance companies who offer discounts, click here.

Tailor your insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if your insurance needs might need professional guidance.

  • Is a new car covered when I drive it off the dealer lot?
  • Does liability extend to a camper or trailer?
  • Why does it cost so much to insure a teen driver?
  • Is my teen driver covered when they drive my company car?
  • Which is better, split liability limits or combined limits?
  • Does my 2014 Volkswagen Jetta GLI need full coverage?
  • Will I lose any money if I cancel my policy before it expires?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Insurance specifics

Having a good grasp of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Volkswagen Jetta GLI.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a broken windshield, vandalism, hitting a deer, hitting a bird and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, backing into a parked car, crashing into a building, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability coverage

This coverage can cover injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as emergency aid, legal defense fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy as much as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as chiropractic care, EMT expenses and rehabilitation expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Save your hard earned cash

Throughout this article, we presented some good ideas how to compare 2014 Volkswagen Jetta GLI insurance premium rates online. It’s most important to understand that the more quotes you get, the better likelihood of getting inexpensive car insurance. Consumers could even find that the most savings is with a small local company.

Consumers leave their current company for a variety of reasons including policy cancellation, policy non-renewal, delays in responding to claim requests and delays in paying claims. Regardless of your reason, finding a great new company is easier than you think.

Cheap 2014 Volkswagen Jetta GLI insurance can be found online and from local agencies, so you should compare both to have the best selection. Some insurance providers don’t offer online price quotes and usually these regional insurance providers prefer to sell through independent insurance agencies.

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