Cheap 2014 Volkswagen Jetta SportWagen Car Insurance Quotes

Trying to find lower insurance coverage rates for your Volkswagen Jetta SportWagen? Are you regretting the purchase of overpriced insurance coverage? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. Big companies like State Farm, GEICO and Farmers Insurance constantly blast consumers with ad campaigns and it can be hard to ignore the propoganda and find the best price available.

Consumers need to quote other rates occasionally because prices trend upward over time. Just because you found the best deal for Jetta SportWagen insurance a couple years back there may be better deals available now. There is a lot of bad information regarding insurance coverage out there, but in a few minutes you can learn some of the best techniques to put money back in your pocket.

Cheaper insurance coverage quotes with discounts

Insuring your vehicles can cost a lot, but you might already qualify for some discounts to reduce the price significantly. Some trigger automatically when you quote, but a few must be asked about in order for you to get them.

  • Multi-car Discount – Purchasing coverage when you have all your vehicles with the same insurance coverage company can get a discount for every vehicle.
  • Cautious Driver Discounts – Insureds without accidents can save up to 40% or more on their insurance coverage quote for Jetta SportWagen insurance than drivers with accidents.
  • Discount for Life Insurance – Insurance companies who offer life insurance give lower premium rates if you buy life insurance.
  • Discounts for Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction for Jetta SportWagen insurance depending on your company.
  • No Claim Discounts – Insureds with no claims or accidents get the best insurance coverage rates when compared to insureds who have frequent claims or accidents.

It’s important to note that most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like you could get a free insurance coverage policy, companies wouldn’t make money that way.

A list of companies and the discounts they provide can be found below.

  • GEICO may include discounts for multi-policy, emergency military deployment, good student, seat belt use, defensive driver, and air bags.
  • Travelers offers premium reductions for IntelliDrive, new car, payment discounts, early quote, hybrid/electric vehicle, and driver training.
  • Nationwide may offer discounts for business or organization, multi-policy, good student, defensive driving, family plan, anti-theft, and accident-free.
  • Farmers Insurance includes discounts for mature driver, distant student, homeowner, multi-car, teen driver, youthful driver, and pay in full.
  • Esurance has savings for Switch & Save, good student, safety device, emergency road assistance, DriveSense, renters, and anti-lock brakes.
  • State Farm may have discounts that include good driver, passive restraint, Drive Safe & Save, accident-free, multiple autos, good student, and anti-theft.
  • Progressive offers discounts including continuous coverage, good student, online quote discount, homeowner, online signing, and multi-policy.
  • Mercury Insurance offers discounts for age of vehicle, type of vehicle, multi-car, multi-policy, low natural disaster claims, and good driver.

When getting free insurance coverage quotes, it’s a good idea to each insurance company which discounts you may be entitled to. Savings may not apply to policyholders in your state. If you would like to see a list of insurance coverage companies with discount rates, click here to view.

Tailor your insurance coverage to you

When buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions might point out whether your personal situation could use an agent’s help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my ex-spouse still covered by my policy?
  • Is my trailer covered?
  • I have a DUI can I still get coverage?
  • Is there coverage for injuries to my pets?
  • How can I get high-risk coverage after a DUI?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Insurance policy specifics

Knowing the specifics of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types offered by insurance companies.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, hitting a deer, a tree branch falling on your vehicle and a broken windshield. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage covers damage to your Jetta SportWagen caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a mailbox, scraping a guard rail, sustaining damage from a pot hole, sideswiping another vehicle and backing into a parked car. 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 to save money on collision insurance.

Liability coverages

This coverage provides protection 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 damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for claims like funeral expenses, medical services, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses such as doctor visits, hospital visits and funeral costs. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Do the work, save more money

We’ve covered quite a bit of information on how to shop for 2014 Volkswagen Jetta SportWagen insurance online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even find the best rates are with a smaller regional carrier. These smaller insurers can often provide lower car insurance rates in certain areas compared to the large companies like State Farm or Progressive.

Affordable 2014 Volkswagen Jetta SportWagen insurance can be found on the web as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies may not offer online quoting and these smaller providers only sell through local independent agencies.

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