Lower Your 2013 Volkswagen Jetta Hybrid Insurance Quotes

Looking for cheaper insurance rates for your Volkswagen Jetta Hybrid? Insurance shopping is not something people fancy doing, but it has to be done before you can legally be on the road.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these methods. This article will instruct you on how to get online quotes and some money-saving tips. But consumers should learn how the larger insurance companies sell insurance online because it can help you find the best coverage.

Factors determining your Volkswagen Jetta Hybrid insurance premium

It’s important that you understand the factors that help determine the price you pay for car insurance. Knowing what influences your rates helps enable you to make changes that will entitle you to big savings.

The following are some of the factors that factor into prices.

  • Marriage pays dividends – Having a wife or husband actually saves money on car insurance. Having a significant other usually means you are more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • Clean credit earns discounts – Credit rating is a huge factor in calculating your car insurance rates. Consumers who have excellent credit tend to be less risk to insure than drivers with poor credit. If your credit score can use some improvement, you could save money insuring your 2013 Volkswagen Jetta Hybrid by spending a little time repairing your credit.
  • Consolidate policies to earn discounts – Most companies will award you with lower prices to insureds who buy several policies from them. It’s known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s in your best interest to compare other company rates to make sure you are getting the best deal.
  • Rates may be lower depending on your job – Did you know your occupation can influence how much you pay for car insurance? Occupations like lawyers, business owners and accountants have higher rates than average due to high stress levels and long work days. On the flip side, professions such as actors, athletes and homemakers get better rates on Jetta Hybrid insurance.
  • High numbers of claims are not good – If you frequently file small claims, you can pretty much guarantee higher rates. Car insurance companies generally give lower rates to people who are claim-free. Insurance coverage is intended for the large, substantial claims.
  • Where do you drive? – The more you drive in a year the higher your rate. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks not used for work or commuting get more affordable rates than those used for commuting. Ask your agent if your car insurance policy shows the correct driver usage. If your policy improperly rates your Jetta Hybrid may be costing you.
  • With age comes lower rates – Older drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel. Teenage drivers are statistically proven to be more careless behind the wheel therefore car insurance rates are much higher.

Don’t pay full price with these discounts

Car insurance companies do not list all their discounts very clearly, so here is a list both well-publicized and the more hidden car insurance savings.

  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Low Mileage – Fewer annual miles on your Volkswagen can qualify you for a substantially lower rate.
  • Auto/Home Discount – When you have multiple policies with one insurance company you may save approximately 10% to 15%.
  • Homeowners Discount – Simply owning a home can save you money because maintaining a house is proof that your finances are in order.
  • Clubs and Organizations – Participating in a professional or civic organization could qualify you for a break on your policy on Jetta Hybrid insurance.
  • Sign Online – A few companies will give a small break for buying your policy on their website.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in high school.
  • New Vehicle Savings – Insuring a new car can save up to 30% due to better safety requirements for new cars.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most cut individual premiums such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck.

To see a list of companies who offer car insurance discounts, follow this link.

Are car insurance companies telling the truth?

Car insurance providers like State Farm, GEICO and Progressive consistently run ads in print and on television. They all make an identical promise about savings if you change your coverage to them. How does each company claim to save you money?

All companies have a preferred profile for the type of customer they prefer to insure. For example, a driver they prefer could be over the age of 50, is a homeowner, and has a high credit rating. A customer who fits that profile will get the preferred rates and is almost guaranteed to save when switching.

Potential insureds who don’t measure up to these standards will be quoted higher premiums and this can result in the driver buying from a lower-cost company. Company advertisements say “people who switch” not “people who quote” save that kind of money. That’s why insurance companies can claim big savings. This emphasizes why it is so important to get as many quotes as possible. It is impossible to predict the company that will fit your personal profile best.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different.

For example, these questions might help in determining if your insurance needs might need professional guidance.

  • Am I covered when driving on a suspended license?
  • Which companies will insure high-risk drivers?
  • What is PIP insurance?
  • How can I get high-risk coverage after a DUI?
  • When do I need to add a new car to my policy?
  • What can I do if my company denied a claim?
  • What discounts do I qualify for?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

Insurance coverage basics

Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Collision protection

Collision coverage will pay to fix damage to your Jetta Hybrid resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like backing into a parked car, damaging your car on a curb, sideswiping another vehicle, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a broken windshield, damage from getting keyed and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for bills for funeral costs, dental work and prosthetic devices. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability insurance provides protection from injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as funeral expenses, repair bills for other people’s vehicles, medical expenses, attorney fees and loss of income. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Don’t break the bank

We’ve covered some good ideas how to shop for 2013 Volkswagen Jetta Hybrid insurance online. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the biggest savings come from a small mutual company.

People who switch companies do it for any number of reasons including being labeled a high risk driver, policy non-renewal, denial of a claim or delays in paying claims. Regardless of your reason for switching companies, switching companies is pretty easy and you might even save some money in the process.

Affordable insurance can be sourced both online and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. Some insurance providers may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

More detailed insurance information is located in these articles: