How to Find the Lowest Price When Insuring Your Volkswagen Jetta

Scraping up a payment for overpriced Volkswagen Jetta insurance can overdraw your savings account and make it hard to pay other bills. Comparison shopping is a smart way to make sure you’re not throwing money away.

There is such a variety of auto insurance companies to insure vehicles with, and even though it’s nice to be able to choose, it can be more difficult to adequately compare rates.

Consumers should take time to get comparison quotes yearly since insurance rates fluctuate regularly. Just because you had the lowest price for Jetta coverage last year there may be better deals available now. So block out anything you think you know about auto insurance because you’re about to learn how to use the internet to properly buy coverages and cut your premium.

This article will familiarize you with how car insurance quotes work and some tips to save money. If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. But drivers need to learn the way companies market on the web.

How to Buy Auto Insurance Online

Most companies allow you to get insurance quotes on the web. Obtaining pricing is fairly simple as you simply type in the coverages you want as requested by the quote form. Once entered, the company’s rating system will obtain your driving record and credit report and returns a price determined by many factors. Online quotes simplifies rate comparisons, but the time it takes to visit each company’s website and repetitively type in the same information is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes in order to get the lowest auto insurance rates.

An easier way to find better auto insurance pricing uses one simple form that gets price quotes from several different companies. It saves time, requires much less work on your part, and makes comparison shopping much simpler. After your information is entered, it is rated and you can choose your choice of the resulting price quotes.

If you find a better price you can simply submit the application and buy the new coverage. The whole process can be completed in a matter of minutes and may result in a nice savings.

If you want to find out how much you’re overpaying now, click here to open in a new tab and fill out the form. If you have a policy now, it’s recommended you input deductibles and limits exactly as they are listed on your policy. Doing this assures you are getting an apples-to-apples comparison based on the exact same insurance coverage.

Volkswagen Jetta insurance rates are influenced by…

Consumers need to have an understanding of some of the elements that go into determining the price you pay for auto insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that may reward you with big savings.

Listed below are some of the items companies use to determine rates.

• Men pay higher rates – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. They both are in accidents in similar numbers, but men cause more damage. Men also get more serious tickets such as reckless driving. Young males are several times more likely to be in an accident and are penalized with high auto insurance rates.
• Don’t buy coverages you don’t need – There are many extra coverages that you can get tricked into buying if you aren’t careful. Things like rental car reimbursement, accidental death and additional equipment coverage are examples of these. They may seem good when you first buy your policy, but now you might not need them so remove them from your policy.
• Pay less if you’re married – Getting married helps lower the price on your auto insurance policy. It translates into being more mature than a single person and statistics show married couples file fewer claims.
• Never allow your policy to lapse – Driving your car without having proper coverage can get your license suspended and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, getting caught without coverage can result in a steep fine or even jail time.
• Car features impact rates – Driving a car with a theft deterrent system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
• Bundling policies can get discounts – Some insurers give discounts to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to compare other company rates to ensure the best deal.

Don’t pay full price with these discounts

Car insurance is not cheap, but there could be available discounts to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but a few must be requested specifically in order for you to get them.

• Driver Safety – Successfully completing a driver safety course can save you 5% or more depending on where you live.
• Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
• Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for Jetta coverage with a few auto insurance companies.
• Accident Forgiveness – A few companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
• Auto/Home Discount – When you combine your home and auto insurance with one company you may save at least 10% off all policies.
• Multiple Vehicles – Insuring multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
• Homeowners Pay Less – Owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
• Low Mileage Discounts – Low mileage vehicles can qualify you for better rates on cars that stay parked.

It’s important to note that most discounts do not apply to the entire cost. Most only reduce the cost of specific coverages such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will cut the cost of coverage.

To see a list of insurance companies who offer auto insurance discounts, click here.

Your personal situation dictates your coverage

When it comes to choosing coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique so your insurance needs to address that. For example, these questions can aid in determining whether or not you may require specific advice.

• What vehicles should carry emergency assistance coverage?
• Should I sign the liability waiver when renting a car?
• Do I need medical payments coverage since I have good health insurance?
• Is my business laptop covered if it gets stolen from my vehicle?
• When should my teen driver be added to my policy?
• When would I need additional glass coverage?
• Is business equipment covered while in my vehicle?
• Should I rate my Volkswagen Jetta as pleasure use or commute?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Summing up your auto insurance search

Discount Volkswagen Jetta insurance is attainable both online and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. There are many occasions where an insured dropped liability coverage limits to discover at claim time that the savings was not a smart move. Your strategy should be to buy the best coverage you can find at an affordable rate.

We just covered a lot of information how to save on Volkswagen Jetta insurance. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a small local company. They can often provide lower rates in certain areas compared to the large companies like State Farm and Allstate.