Find How to Save Money on Volkswagen Jetta Insurance

Consumers have lots of choices when looking for the lowest priced Volkswagen Jetta insurance. You can either waste hours calling around to get rate comparisons or save time using the internet to compare rates.

There are both good and bad ways to buy car insurance so you’re going to learn the proper way to get price quotes on a Volkswagen and locate the cheapest rates either online or from local insurance agents.

If you are paying for car insurance now, you should be able to save some money using these techniques. The purpose of this article is to teach you how car insurance quotes work. But vehicle owners must learn how companies price insurance differently and apply this information to your search.

Take discounts and save

The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. Certain discounts will be applied at quote time, but less common discounts must be inquired about before you get the savings.

  • Multiple Cars – Insuring all your vehicles with the same company qualifies for this discount.
  • E-sign – Some insurance companies give back up to $50 for buying a policy and signing up on their website.
  • Auto/Life Discount – Some companies give lower rates if you buy auto and life insurance together.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Own a Home – Simply owning a home can save you money because owning a home is proof that your finances are in order.
  • Driver Safety – Taking part in a course teaching defensive driving skills could save 5% or more depending on where you live.

Keep in mind that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, companies don’t profit that way. But all discounts will bring down your premiums.

For a list of companies offering car insurance discounts, click here.

Low Cost Car Insurance

There are several ways to compare car insurance prices and some are less time-consuming than others. You could waste a few hours driving to agents in your area, or you can utilize the web for quick rates.

Most major companies belong to an insurance system where prospective buyers enter their policy data once, and each participating company then returns a price quote based on that information. This eliminates the need for quote requests for each  insurance quote

To participate in this free quote system, click here (opens in new window).

One minor caviat to using this type of system is you cannot specify which insurance companies to get quotes from. So if you want to select from a list of companies to compare prices, we have assembled a list of companies who write car insurance in your area. Click to view list.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same coverage limits and deductibles for every company. If you enter different liability limits it will be next to impossible to truly determine the lowest rate. Slightly different insurance coverages may result in large price differences. Just keep in mind that getting more free quotes helps you find a better price.

Parts of the Volkswagen Jetta rate equation

An important part of buying insurance is that you know the rating factors that come into play when calculating your car insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that may reward you with big savings.

The list below includes a few of the “ingredients” car insurance companies consider when setting rates.

  • Theft deterrents lower rates – Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
  • Never go without insurance – Driving without insurance is against the law and car insurance companies will penalize you for letting your insurance expire. And not only will your rates increase, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Where do you drive? – The more miles you rack up on your Volkswagen in a year’s time the more you will pay for car insurance. Most companies rate vehicles determined by how the vehicle is used. Cars left parked in the garage receive lower rates compared to those used for work or business. An improperly rated Jetta can cost quite a bit. Make sure your car insurance policy is showing how each vehicle is driven, because improper ratings can cost you money.
  • Where you reside plays a part – Living in small towns and rural areas can be a good thing when buying car insurance. Drivers who live in large cities tend to have much more traffic and longer commute times. Lower population means a lower chance of having an accident as well as less vandalism and auto theft.
  • Safer cars cost less to insure – Cars with high safety ratings can get you lower premiums. These vehicles reduce injuries and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If your Volkswagen Jetta is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

Don’t listen to company ads

Car insurance providers like Allstate, GEICO and Progressive regularly use ads on television and other media. They all say the same thing that you can save if you move your coverage to them. How does each company say the same thing?

All companies are able to cherry pick for the type of customer they prefer to insure. For instance, a desirable insured might be profiled as over the age of 50, has no driving citations, and has a short commute. A propective insured who matches those parameters is entitled to the best price and is almost guaranteed to save quite a bit of money when switching.

Drivers who do not match this ideal profile will have to pay higher rates which leads to business going elsewhere. The ad wording is “customers who switch” not “people who quote” save that much. That’s the way companies can truthfully advertise the savings.

compare Jetta insurance prices

Because of the profiling, you absolutely need to compare as many rates as you can. It’s impossible to know which insurance companies will have the lowest rates.

What is YOUR best insurance company?

As you prepare to switch companies, never reduce coverage to reduce premium. There are too many instances where an accident victim reduced physical damage coverage only to discover later they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Consumers leave their current company for many reasons like questionable increases in premium, extreme rates for teen drivers, policy cancellation and even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.

We just presented some good ideas how to lower your Volkswagen Jetta insurance rates. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the most savings is with a small local company.