2014 Volkswagen Jetta Hybrid Insurance Rates – 6 Tips for Best Quotes

Want better insurance coverage rates for your Volkswagen Jetta Hybrid? Having to pay for high-priced insurance coverage can dwindle your checking account and force you to make sacrifices. People have so many insurance companies to buy insurance from, and although it’s a good thing to be able to choose, it makes it harder to compare rates and find the lowest cost insurance coverage.

It’s smart to shop coverage around quite often because insurance coverage prices are variable and change quite frequently. Just because you had the best quotes for Jetta Hybrid coverage a couple years back there is a good chance you can find better rates now. Ignore everything you know about insurance coverage because you’re going to get a crash course in the quickest way to save on insurance coverage.

Buying car insurance is quite easy. If you are insured now or are just looking to switch companies, you will benefit by learning to get lower rates while maintaining coverages. Vehicle owners just need to know the tricks to compare price quotes online.

Six discounts for affordable auto insurance rates

Auto insurance is neither fun to buy or cheap, but you may be missing some discounts to help offset the cost. Some trigger automatically at the time of quoting, but some may not be applied and must be specifically requested before they will apply.

  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more for Jetta Hybrid coverage than drivers with accident claims.
  • Discount for Swiching Early – A few larger companies offer discounts for renewing your policy prior to the expiration date on your current policy. It could save around 10% when you buy insurance online.
  • ABS Braking Discount – Vehicles with anti-lock braking systems are safer to drive so companies give up to a 10% discount.
  • Defensive Driver – Taking time to complete a course teaching safe driver skills may get you a small discount depending on where you live.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Telematics Discount – Insureds that choose to allow driving data collection to look at vehicle usage by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if their driving habits are good.

Keep in mind that some credits don’t apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though you would think all the discounts add up to a free policy, you’re out of luck. But all discounts will lower your policy premium.

Popular auto insurance companies and a selection of discounts are outlined below.

  • Farm Bureau discounts include safe driver, 55 and retired, youthful driver, multi-policy, multi-vehicle, driver training, and renewal discount.
  • MetLife may include discounts for multi-policy, defensive driver, good student, good driver, accident-free, claim-free
  • Progressive has discounts for online signing, homeowner, continuous coverage, online quote discount, multi-vehicle, and multi-policy.
  • AAA includes discounts for AAA membership discount, anti-theft, multi-policy, pay-in-full, and good driver.
  • American Family may offer discounts for accident-free, early bird, bundled insurance, good driver, Steer into Savings, mySafetyValet, and multi-vehicle.
  • GEICO offers premium reductions for seat belt use, defensive driver, military active duty, federal employee, emergency military deployment, anti-lock brakes, and air bags.
  • State Farm may have discounts that include passive restraint, student away at school, good student, driver’s education, and Drive Safe & Save.

Before buying, ask all the companies which discounts can lower your rates. Some credits may not be available in your area. To choose providers that offer some of these discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions may help highlight whether or not you would benefit from an agent’s advice.

  • Does insurance cover damages from a DUI accident?
  • Who is covered by my policy?
  • Why do I need rental car insurance?
  • When can I cancel my policy?
  • If my pet gets injured in an accident are they covered?
  • Does medical payments coverage apply to all occupants?
  • When should my teen driver be added to my policy?
  • I have a DUI can I still get coverage?
  • Should I sign the liability waiver when renting a car?
  • Does my medical payments coverage pay my health insurance deductible?

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

Insurance coverage basics

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as court costs, pain and suffering, funeral expenses, emergency aid and legal defense fees. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Volkswagen Jetta Hybrid.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, damage from getting keyed, damage from flooding, theft and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, crashing into a ditch, rolling your car, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses for things like surgery, funeral costs, X-ray expenses, rehabilitation expenses and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

One last thing

Cheaper car insurance is definitely available on the web as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies do not offer rate quotes online and many times these smaller companies only sell coverage through independent agents.

When you buy insurance online, it’s very important that you do not reduce needed coverages to save money. Too many times, consumers will sacrifice liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible for the lowest price, not the least amount of coverage.

You just learned a lot of tips how to get a better price on 2014 Volkswagen Jetta Hybrid insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest premium rates are with a small mutual company. These companies may only write in your state and offer lower prices than the large multi-state companies such as Progressive and GEICO.

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