2009 Volkswagen Jetta Insurance Quotes – 9 Ideas for Best Rates

Searching for cheaper car insurance rates for your Volkswagen Jetta? Locating cheaper insurance for a Volkswagen Jetta can turn out to be a lot of work, but you can use these tips to find lower rates.

There is a better way to shop for car insurance so you’re going to learn the proper way to quote coverages for a Volkswagen and obtain the best price possible from local insurance agents and online providers.

If you have a policy now or need a new policy, you can use this information to shop for the lowest rates and still get good coverage. Finding the best car insurance is quite easy. Vehicle owners just need to learn the proper methods to shop online.

How to save on Volkswagen Jetta insurance

Insurance can cost an arm and a leg, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be specifically requested before you get the savings. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • College Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Jetta insurance than drivers with accident claims.
  • Sign Early and Save – A few companies offer discounts for buying a policy before your current expiration date. It can save you around 10%.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Club Memberships – Being a member of a professional or civic organization could trigger savings on your policy on Jetta insurance.
  • Low Mileage Discounts – Fewer annual miles on your Volkswagen could qualify for better rates on cars that stay parked.

Consumers should know that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. Even though it may seem like you could get a free auto insurance policy, auto insurance companies aren’t that generous. Any amount of discount will reduce the cost of coverage.

Companies that may have some of the above discounts include:

Double check with all companies you are considering which discounts you may be entitled to. All car insurance discounts may not be available everywhere.

Car insurance myths debunked

Consumers get pounded daily by advertisements for car insurance savings by Allstate and Progressive. They all seem to say the same thing that you can save if you move to their company.

How can each company make the same claim? This is how they do it.

All companies have a certain “appetite” for the driver that makes them money. An example of a profitable customer might be between 25 and 40, has no driving citations, and has great credit. A propective insured who matches those parameters will get the preferred rates and most likely will pay quite a bit less when switching companies.

Drivers who don’t measure up to the “perfect” profile will have to pay more money which leads to business going elsewhere. The ad wording is “customers who switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can confidently advertise the way they do.

Because of the profiling, you need to get as many quotes as possible. It’s impossible to know which car insurance company will have the lowest Volkswagen Jetta insurance rates.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.

These are some specific questions might point out if your insurance needs would benefit from an agent’s advice.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • What if I owe more than I can insure my car for?
  • Are my friends covered when driving my 2009 Volkswagen Jetta?
  • Can my babysitter drive my car?
  • Is pleasure use cheaper than using my 2009 Volkswagen Jetta to commute?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I getting all the discounts available?
  • Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages explained

Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage pays for claims like a broken windshield, vandalism, theft, damage from flooding and hitting a deer. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

Collision insurance covers damage to your Jetta caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, driving through your garage door, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2009 Volkswagen Jetta.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Auto liability insurance

Liability coverage can cover injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as legal defense fees, loss of income, funeral expenses, pain and suffering and medical services. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses such as rehabilitation expenses, pain medications, dental work and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Have the Midas touch

People leave their current company for a number of reasons such as not issuing a premium refund, an unsatisfactory settlement offer, lack of trust in their agent or questionable increases in premium. Regardless of your reason for switching companies, switching insurance coverage companies is easier than you think.

Throughout this article, we presented some good ideas how to get a better price on 2009 Volkswagen Jetta insurance. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. Consumers could even find that the most savings is with an unexpected company.

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. There are many occasions where consumers will sacrifice physical damage coverage only to regret that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

For more information, take a look at the resources below: