Cheap 2017 Volkswagen Jetta Insurance Cost

Feeling guilty for buying an underperforming, overpriced car insurance policy? Trust us, there are a lot of people just like you who feel imprisoned by their car insurance policy. With drivers having so many options, it can be challenging to pick the cheapest car insurance company.

Consumers need to compare prices before your next renewal because car insurance prices are constantly changing. Even if you got the best price for Jetta insurance two years ago there is a good chance you can find better rate quotes now. You’ll find a ton of advice on car insurance on the internet, but by reading this article, you’re going to learn the best ways to quit paying high car insurance rates.

The purpose of this post is to introduce you to how car insurance quotes work. If you have car insurance now, you will most likely be able to cut costs considerably using these tips. Drivers only need to know the most effective way to shop on the web.

Discounts for lower-cost auto insurance rates

Auto insurance companies don’t always advertise the complete list of policy discounts in a way that’s easy to find, so the following is a list of a few of the more common as well as some of the hidden discounts that you may qualify for.

  • Anti-lock Brakes – Vehicles with ABS and/or traction control prevent accidents and earn discounts up to 10%.
  • Paper-free Discount – A handful of auto insurance companies will discount your bill up to fifty bucks shop insurance coverage on their website.
  • Low Mileage – Keeping the miles down on your Volkswagen may enable drivers to earn slightly better rates than normal.
  • Military Discounts – Having a family member in the military may lower your prices slightly.
  • Use Seat Belts – Forcing all vehicle occupants to buckle up before driving could save 15% on the premium charged for medical payments and/or PIP.

It’s important to understand that most credits do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, you aren’t that lucky.

If you would like to view insurers that offer some of these discounts, click this link.

The Volkswagen Jetta insurance premium equation

Lots of things are taken into consideration when premium rates are determined. Some are obvious such as your driving history, but some are less apparent like where you live and annual miles driven.A large part of saving on insurance coverage is knowing the different types of things that aid in calculating the price you pay for insurance coverage. When you understand what positively or negatively impacts your premiums, this enables you to make decisions that may result in lower premium levels.

  • Low credit history equals high rates – An insured’s credit score can be a huge factor in determining premium rates. Therefore, if your credit is not that good, you could potentially save money when insuring your 2017 Volkswagen Jetta by improving your rating. Consumers who have excellent credit scores tend to be better risks to insure than drivers with worse credit.
  • Do you save by driving less? – The more you drive every year the more you will pay for insurance coverage. A lot of companies apply a rate determined by how the vehicle is used. Cars that are left in the garage receive lower rates than those that get driven frequently. Verify your insurance coverage declarations sheet correctly shows how each vehicle is driven. A policy that improperly rates your Jetta can cost quite a bit.
  • Safer vehicles cost less to insure – Safer cars cost less to insure. Safe vehicles reduce the chance of injuries and fewer injuries translates directly to fewer claims and thus lower rates. If your Volkswagen Jetta scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
  • Driving citations cost more than a fine – Careful drivers get better rates than bad drivers. Having a single ticket can bump up the cost to the point where it’s not affordable. Drivers who have gotten dangerous violations such as DUI, reckless driving or excessive speeding are required to prove financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
  • Liability insurance safeguards assets – Your policy’s liability coverage will provide protection if ever you are found to be at fault for damages caused by your negligence. It provides for a legal defense to attempt to prove you were not liable. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
  • Incidental coverages can cost a lot – There are a lot of add-on coverages that can waste your money if you aren’t careful. Coverages like rental car coverage, towing, and extra equipment coverage may be costing you every month. The coverages may be enticing when talking to your agent, but if they’re wasting money consider taking them off your policy.
  • Premiums also based on gender – Over the last 30 years, statistics show females are less aggressive when driving. However, don’t assume that females are better drivers. Both genders are responsible for fender benders at a similar rate, but the men get into accidents with more damage. Men also receive more costly citations like DUI and reckless driving. Young men ages 16 to 20 have the highest risk to insure and therefore are the most expensive to insure.

You may need specialized insurance coverage coverage

When it comes to choosing adequate coverage, there is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can aid in determining whether your personal situation may require specific advice.

  • Am I covered if I break a side mirror?
  • Can I afford to pay high deductible claims out of pocket?
  • What is high-risk coverage and where do I buy it?
  • What vehicles should carry emergency assistance coverage?
  • Do I need added coverage for expensive stereo equipment?
  • How can I find cheaper teen driver insurance?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Save $398 a year! What?

Consumers get pounded daily by advertisements that promise big savings from the likes of GEICO, State Farm and Progressive. All the companies state the claim that drivers will save a bundle if you get a free insurance coverage quote and switch your insurance coverage policy to them.

That’s great but how can every company cost less than your current company? This is the way they can do it.

Insurance companies give the best rates for the type of driver that makes them money. One example of a preferred risk might have to be between 30 and 50, has no prior claims, and has a high credit rating. A driver that fits those parameters is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who may not quite match the ideal profile will be quoted more expensive rates which translates to business not being written. If you listen to the ad wording, they say “people that switch” but not “all drivers who get quotes” save that much when switching. That’s the way insurance companies can make claims like that.

This illustrates why drivers should get as many free insurance coverage quotes as possible. It is impossible to guess which insurance companies will fit your personal profile best.

Car insurance coverages for a Volkswagen Jetta

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. Car insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages found on the average car insurance policy.

Auto liability – This coverage can cover damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like repair costs for stationary objects, pain and suffering and structural damage. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Medical expense coverage – Med pay and PIP coverage reimburse you for immediate expenses for things like hospital visits, X-ray expenses, nursing services, rehabilitation expenses and funeral costs. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

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

Collision insurance covers things such as driving through your garage door, hitting a parking meter, backing into a parked car, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Volkswagen Jetta.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive protection – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, a broken windshield and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Shop Smart and Save

The cheapest 2017 Volkswagen Jetta insurance is possible online and from local insurance agents, so you need to shop insurance coverage with both to have the best chance of lowering rates. There are still a few companies who do not offer internet price quotes and usually these smaller companies only sell through local independent agents.

Throughout this article, we presented a lot of information how to compare 2017 Volkswagen Jetta insurance premium rates online. It’s most important to understand that the more you quote insurance coverage, the better your comparison will be. Drivers may discover the lowest premium rates come from a lesser-known regional company. They may have significantly lower prices on certain market segments than the large multi-state companies such as Progressive or GEICO.

Much more information about insurance coverage can be found on the following sites: