2013 Volkswagen Jetta GLI Insurance Rates

Looking for better auto insurance rates for your Volkswagen Jetta GLI? Having to pay for overpriced auto insurance can take a big chunk out of your savings account and force you to make sacrifices. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket. Drivers have so many insurers to buy insurance from, and although it’s nice to have a selection, it makes it harder to get the best deal.

Finding affordable coverage is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to lower your premiums substantially using these tips. Vehicle owners just need to understand the proper methods to compare company rates on the web.

What determines your Volkswagen Jetta GLI insurance premium

It’s important that you understand some of the elements that play a part in calculating the price you pay for insurance coverage. Having a good understanding of what impacts premium levels allows you to make educated decisions that can help you get better insurance coverage rates.

Shown below are some of the factors companies use to determine your rates.

  • Drive a safer car and pay less – Safer cars can get you lower premiums. Safe vehicles protect occupants better and fewer injuries means lower claim amounts and thus lower rates. If the Volkswagen Jetta GLI scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Rates may be higher depending on your occupation – Careers like real estate brokers, business owners and financial analysts are shown to have higher average rates in part from high stress and lengthy work days. Conversely, occupations like scientists, engineers and retirees pay the least on Jetta GLI coverage.
  • Older drivers pay less – Older drivers are more responsible, file fewer claims and tend to be better behind the wheel. Teen drivers tend to be less responsible behind the wheel and because of this, their insurance coverage rates are much higher.
  • Bump up deductibles to save – The deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, damage from fire, or theft. The higher the amount you have to pay, the less your insurance coverage will be on Jetta GLI coverage.
  • Don’t skimp on liability – The liability section of your policy is the protection if ever a jury decides you are liable for damages caused by your negligence. Liability insurance provides legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Marriage pays dividends – Having a wife or husband helps lower the price when buying insurance coverage. It means you’re more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Tickets mean higher rates – A bad driving record impacts your car insurance rates tremendously. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Just one ticket can bump up the cost forty percent or more. If you have severe violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.

Save big with these discounts

Companies do not advertise all available discounts in a way that’s easy to find, so here is a list both well-publicized and the more hidden ways to save on insurance. If you aren’t receiving every discount possible, you are throwing money away.

  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Homeowners Savings – Simply owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Volkswagen can earn lower rates on the low mileage vehicles.
  • No Claims – Drivers with accident-free driving histories can earn big discounts as compared to frequent claim filers.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you may save 10% to 20% off each policy.
  • One Accident Forgiven – Certain companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

For a list of companies with the best insurance discounts, click this link.

Buyer beware of auto insurance advertising tricks

Consumers constantly see and hear ads for the lowest price auto insurance from companies such as State Farm, Allstate and GEICO. They all seem to have a common claim that you’ll save big if you switch your policy.

How do they all make almost identical claims?

All companies are able to cherry pick for the type of driver that is profitable for them. For instance, a preferred risk might be over the age of 40, has no prior claims, and chooses high deductibles. A customer who fits that profile will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who don’t qualify for the requirements will be charged more money which usually ends up with the driver buying from a lower-cost company. The ads state “customers that switch” but not “drivers who get quotes” save money. This is how companies can truthfully advertise the savings. That is why you need to get as many comparisons as possible. Because you never know which company will give you the biggest savings on Volkswagen Jetta GLI insurance.

But I don’t know anything about car insurance

When it comes to buying the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might help in determining if you might need professional guidance.

  • Am I covered by my spouse’s policy after a separation?
  • Why do I only qualify for high-risk insurance?
  • Does having multiple vehicles earn me a discount?
  • What is medical payments coverage?
  • Does my 2013 Volkswagen Jetta GLI qualify for pleasure use?
  • How can I get high-risk coverage after a DUI?
  • Am I covered when pulling a rental trailer?
  • What discounts do I qualify for?
  • How much can I save by bundling my policies?
  • Am I covered if I hit a deer?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Coverages available on your policy

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types offered by car insurance companies.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, a broken windshield, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Volkswagen Jetta GLI.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses for things like hospital visits, chiropractic care, prosthetic devices, X-ray expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover 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 an option in every state but can be used in place of medical payments coverage

Coverage for liability

This protects you from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as attorney fees, loss of income, legal defense fees and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

This covers damage to your Jetta GLI caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, hitting a mailbox, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Make an honest buck

Cheap 2013 Volkswagen Jetta GLI insurance is available online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible for the lowest price, not the least amount of coverage.

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