2018 Volkswagen Jetta Insurance Quotes

Looking for lower auto insurance rates for your Volkswagen Jetta? Finding low-cost insurance for a Volkswagen Jetta can normally be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to buy auto insurance and we’ll show you the proper way to compare rates for a new or used Volkswagen and obtain the best price possible from both online companies and local agents.

Consumers need to compare rates as often as possible because rates are usually higher with each renewal. If you had the best deal for Jetta coverage a year ago other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re going to get a crash course in the things you must know in order to properly buy coverages and cut your premium.

How to get free auto insurance quotes online

All major auto insurance companies make it easy to get insurance quotes from their websites. Getting online quotes is quite easy as you simply enter your required coverages on the page. Upon sending the form, the company’s rating system orders credit information and your driving record and returns a price based on these factors.

Online price estimates makes it simple to compare prices but the work required to visit each company’s website and repetitively fill out multiple forms can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible in order to find a better rate.

There is a better way!

The smarter way to find cheaper rates makes use of a single form that obtains quotes from several companies at one time. The form is fast, eliminates repetitive work, and makes rate comparisons much more efficient. After sending your information, it is rated with multiple companies and you can pick your choice of the quote results.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. The whole process only takes a few minutes and may save quite a bit of money.

To quickly find out if lower rates are available, click here and enter your information. If you have your current policy handy, we recommend you duplicate deductibles and limits as shown on your current policy. Using the same limits helps guarantee you will have a fair comparison for similar coverage.

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Car insurance buyers beware

Consumers can’t ignore all the ads that promise big savings for switching by Progressive, Allstate and GEICO. All the companies say the same thing about how much you will save if you change your car insurance policy to them.

But how can every company charge less that you’re paying now? This is the way they can do it.

Different companies have underwriting criteria for the type of driver that will most likely be profitable. For instance, this type of insured could possibly be between 25 and 40, has never had a policy lapse, and drives a vehicle with a low ISO rating. Anyone who matches those parameters receive the lowest rate quotes and is almost guaranteed to save some money.

Drivers who may not quite match the requirements must pay a more expensive rate which translates to the customer not buying. If you pay attention, the ads say “customers who switch” not “everybody who quotes” save the amount stated. That’s why insurance companies can advertise the savings.

Because of this risk profiling, you need to quote coverage with many companies. Because you cannot predict which company will be your best fit.

Do you qualify for these eight discounts?

Some insurance providers do not list every discount they offer very clearly, so below is a list some of the more common and the more hidden credits available to lower your premiums when you buy auto insurance online. If you don’t get every credit you deserve, you are just wasting money.

Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies allow you one accident before hitting you with a surcharge so long as you are claim-free prior to the accident.
Military Deployment Discount – Having a deployed family member can result in better rates.
Passenger Safety Discount – Cars that have air bags or motorized seat belts may earn rate discounts of 20% or more.
Save with a New Car – Buying insurance coverage on a new vehicle can get you a discount due to better safety requirements for newer vehicles.
Accident-Free Discounts – Insureds who avoid accidents and claims pay less in comparison with bad drivers.
Defensive Driving Course – Passing a class that teaches defensive driver techniques could possibly earn you a 5% discount depending on where you live.
Resident Student – who attend college more than 100 miles from home and do not have a car could get you a discount.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, it’s just not the way it works.

Large insurance coverage companies and their possible discounts are shown below.

Farmers Insurance has discounts for homeowner, early shopping, switch companies, alternative fuel, mature driver, teen driver, and good student.
State Farm may include discounts for good student, multiple autos, student away at school, Steer Clear safe driver discount, safe vehicle, and passive restraint.
Liberty Mutual includes discounts for new vehicle discount, exclusive group savings, preferred payment discount, teen driver discount, and newly retired.
MetLife policyholders can earn discounts including good student, defensive driver, accident-free, good driver, claim-free, multi-policy
Progressive offers discounts including multi-policy, continuous coverage, good student, online quote discount, online signing, and multi-vehicle.

If you want low cost auto insurance quotes, ask all companies you are considering what discounts are available to you. Savings may not apply to policyholders in your area. To see insurers that offer discounts, click here to view.

Don’t assume everyone needs the same car insurance coverage

When choosing the right insurance coverage, there really is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that might help in determining if you might need an agent’s assistance.

Is my state a no-fault state?
Is upholstery damage covered by car insurance?
Am I covered if I hit a deer?
I have a DUI can I still get coverage?
Will filing a claim cost me more?
Can I afford to pay high deductible claims out of pocket?
What is UM/UIM insurance?
How do I buy GAP insurance?
Do I need medical payments coverage since I have good health insurance?
Do I need PIP coverage since I have good health insurance?

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 lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Specific coverage details

Knowing the specifics of auto insurance helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability car insurance

This can cover damage that occurs to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as court costs, repair costs for stationary objects, emergency aid and medical services. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses like funeral costs, surgery, dental work, EMT expenses and pain medications. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Collision coverage protection

This covers damage to your Jetta from colliding 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 claims like hitting a mailbox, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a bird, damage from flooding and falling objects. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

One last thing

Lower-priced insurance can be purchased both online in addition to many insurance agents, so get free auto insurance quotes from both of them to get a complete price analysis. Some insurance companies may not have price quotes online and these smaller companies prefer to sell through independent agents.

When shopping online for insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced liability coverage limits and found out when filing a claim they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at the best possible price while still protecting your assets.

We covered many ideas to compare 2018 Volkswagen Jetta insurance prices online. The key thing to remember is the more companies you get rates for, the better likelihood of getting inexpensive auto insurance. Drivers may discover the lowest prices are with some of the lesser-known companies.

Additional insurance information is located on the following sites: