Lower Your 2011 Volkswagen Jetta SportWagen Insurance Cost

Consumers have lots of choices when looking for the best price on Volkswagen Jetta SportWagen insurance. They can either spend hours contacting agents getting price quotes or save time using the internet to compare rates. There are both good and bad ways to shop for car insurance so you’re going to learn the quickest way to get price quotes on a Volkswagen and locate the lowest price either online or from local insurance agents.

Quick Insurance Quotes

All major insurance companies like State Farm and Allstate give price estimates online. Getting online rates is quite simple as you simply type in the coverages you want into the quote form. When the form is submitted, the company’s rating system automatically orders reports for credit and driving violations and returns a price.

This helps simplify price comparisons, but having to visit each company’s website and repetitively enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible if you are searching for better prices.

The preferred way to find cheaper rates uses one form to get prices from a lot of companies. This type of form saves time, eliminates repetitive work, and makes online price comparison much easier to do. As soon as the form is sent, it is rated and you can choose any one of the quotes returned. If you find a better price you simply finish the application and buy the new coverage. The whole process only takes a few minutes and you’ll know if lower rates are available.

To quickly use this form to compare rates, click here to open in a new tab and fill out the form. If you have your current policy handy, we recommend you copy your coverages just like they are on your policy. Doing this guarantees you will have comparison quotes using the same coverage and limits.

Take advantage of discounts

Companies offering auto insurance do not list all available discounts in a way that’s easy to find, so we researched both well-publicized and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Accident Waiver – Some insurance companies allow you one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance.
  • Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Homeowners Pay Less – Owning a house may trigger a auto insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • Claim Free – Drivers who don’t have accidents pay much less when compared with frequent claim filers.
  • Paperwork-free – A handful of insurance companies give back up to $50 for buying your policy on their website.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, you’re out of luck.

For a list of providers with discount auto insurance rates, click here.

Complexity of Volkswagen Jetta SportWagen insurance rates

Consumers need to have an understanding of some of the elements that come into play when calculating your insurance coverage rates. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get big savings.

The list below includes some of the factors that factor into your rates.

  • Save money with special equipment – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
  • Tickets mean higher rates – Whether or not you get tickets has a big impact on rates. Only having one moving violation may increase your cost by as much as thirty percent. Drivers with clean records have lower premiums than people who have multiple driving citations. Drivers with severe tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • An active claims history can cost you – Auto insurance companies award discounts to drivers who do not file claims often. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Liability coverage is cheap – Liability insurance is the coverage that protects you if ever a jury decides you are liable for personal injury or accident damage. It will provide you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.

How to know if you need help

When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether you might need an agent’s assistance.

  • When should I buy a commercial auto policy?
  • Which is better, split liability limits or combined limits?
  • Do I need special endorsements for business use of my vehicle?
  • Should I waive the damage coverage when renting a car?
  • How much liability do I need to cover my assets?
  • How can I get my company to pay me more for my totalled car?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Switch companies and save? Really?

Drivers can’t get away from ads that promise big savings by companies like State Farm and Allstate. They all seem to have a common claim that you’ll save big if you change to them.

But how can every company say the same thing?

All companies can use profiling for the right customer that makes them money. For example, a driver they prefer might be between 30 and 50, has no tickets, and drives newer vehicles. A driver that hits that “sweet spot” will get very good rates and therefore will save when they switch companies.

Drivers who are not a match for this ideal profile will be charged more money which usually ends up with business going elsewhere. The ad wording is “drivers who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can make those claims. That is why drivers must get as many quotes as possible. It’s just too difficult to predict the company that will provide you with the cheapest Volkswagen Jetta SportWagen insurance rates.

Auto insurance coverage options for a Volkswagen Jetta SportWagen

Understanding the coverages of your auto insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, damage from getting keyed, rock chips in glass, damage from flooding and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, backing into a parked car, hitting a mailbox, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Liability car insurance

Liability insurance can cover damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims like legal defense fees, medical services, attorney fees, structural damage and funeral expenses. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as nursing services, ambulance fees and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 2011 Volkswagen Jetta SportWagen.

Since a lot of drivers 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 is important protection for you and your family.

More effort can pay off

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an insured dropped full coverage only to regret that it was a big error on their part. Your strategy should be to buy enough coverage for the lowest price while not skimping on critical coverages.

You just read many ideas to save on 2011 Volkswagen Jetta SportWagen insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the lowest priced insurance coverage comes from a small local company.

Budget-conscious insurance can be sourced online in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some insurance coverage companies do not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

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