2017 Volkswagen Jetta Car Insurance Rates – 5 Policy Discounts

Trying to find cheaper car insurance rates for your Volkswagen Jetta? Searching for cheaper insurance for a Volkswagen Jetta can turn out to be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to shop for car insurance so we’re going to tell you the proper way to quote coverages for a new or used Volkswagen and get the best price possible either online or from local insurance agents.

Smart consumers take time to check car insurance prices quite often due to the fact that insurance rates tend to go up over time. Just because you had the lowest premium rates for Jetta insurance on your last policy the chances are good that you can find a lower price today. Forget anything you know (or think you know) about car insurance because you’re about to learn the only way to properly buy coverages and cut your premium.

Pricing the cheapest auto insurance is quite easy. If you are insured now or need a new policy, you can use this information to reduce the price you pay and possibly find even better coverage. Drivers just need to learn how to compare rates online.

The easiest way to compare insurance rates in your area is to realize most larger insurance companies have advanced systems to give free rates quotes. All you need to do is provide a little information such as the make and model of your vehicles, how many miles driven, how your vehicles are used, and your job. Your details gets transmitted to multiple insurance coverage providers and they respond with quotes with very little delay.

To compare multiple company rates now, click here and find out if you can get cheaper insurance.

Drivers save money with with these five discounts

Car insurance is not cheap, but you might already qualify for some discounts to help bring down the price. Most are applied when you complete an application, but some discounts are required to be asked for in order for you to get them.

  • Early Payment Discounts – By making one initial payment rather than paying in monthly installments you may have a lower total premium amount.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Discounts for Federal Employees – Having worked for a branch of the government could cut as much as 10% off for Jetta insurance with some car insurance companies.
  • More Vehicles More Savings – Buying a policy with multiple vehicles with the same company could earn a price break for each car.
  • Buy New and Save – Buying a new car model can save up to 30% since newer vehicles are generally safer.

It’s important to understand that some credits don’t apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

A partial list of companies who might offer some of the discounts shown above are:

When getting a coverage quote, ask every company which discounts you qualify for. Some discounts may not apply to policyholders everywhere. To see a list of insurance companies offering car insurance discounts, click here to view.

Your situation helps dictate your coverage

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that may help you determine whether or not you might need an agent’s assistance.

  • Is rental equipment covered for theft or damage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is a new car covered when I drive it off the dealer lot?
  • Do all my vehicles need collision coverage?
  • How do I insure my teen driver?
  • Do I have coverage for damage caused while driving under the influence?
  • Are rental cars covered under my policy?
  • Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Car insurance 101

Learning about specific coverages of car insurance helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

UM/UIM Coverage – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Jetta.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision – Collision insurance covers damage to your Jetta from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as driving through your garage door, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, falling objects, a broken windshield, damage from getting keyed and hail damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance – Med pay and PIP coverage reimburse you for expenses for things like chiropractic care, prosthetic devices and ambulance fees. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Liability – Liability coverage protects you from damages or injuries you inflict on other people or property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as loss of income, medical services, repair costs for stationary objects, emergency aid and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Smart shoppers get results

We’ve covered many ways to get a better price on 2017 Volkswagen Jetta insurance. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest prices come from a small local company.

When shopping online for auto insurance, it’s not a good idea to reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice liability coverage limits to discover at claim time that it was a big mistake. Your objective should be to find the BEST coverage for the lowest price, not the least amount of coverage.

Some companies do not offer the ability to get a quote online and many times these smaller providers work with independent insurance agencies. Budget-conscious 2017 Volkswagen Jetta insurance is possible on the web as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

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