2014 Volkswagen Jetta GLI Insurance Cost – 9 Ideas for Cheaper Prices

Have you fallen victim to an underperforming, overpriced car insurance policy? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. Many auto insurance companies vie to insure your vehicles, so it’s not easy to compare every provider and get the definite cheapest price

How to Compare Car Insurance Costs

There are multiple methods to shop for 2014 Volkswagen Jetta GLI car insurance, but one way is less time-consuming than others. You could waste a few hours talking to insurance companies in your area, or you could use online quoting to get rates in a matter of minutes.

Most car insurance companies belong to an insurance system that allows shoppers to enter their policy data once, and each company then returns a price quote determined by their information. This saves time by eliminating quote requests for every car insurance company.

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The one disadvantage to using this type of form is you are unable to specify which carriers to get pricing from. If you wish to select specific providers to compare, we have a page of car insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but make absolute certain that you use identical coverages and limits on every quote. If each company quotes mixed coverages then you won’t be able to truly determine the lowest rate.

Save on Volkswagen Jetta GLI insurance

Car insurance companies don’t always list all available discounts in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy life insurance.
  • Paperwork-free – Certain companies may give you up to $50 simply for signing digitally online.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you could save 5% or more.
  • Save over 55 – Mature drivers may be able to get a discount up to 10% on Jetta GLI insurance.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Low Mileage – Low mileage vehicles could qualify for discounted rates on garaged vehicles.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you could get a free insurance coverage policy, companies wouldn’t make money that way.

Insurance companies that possibly offer these discounts are:

Double check with every prospective company which discounts you may be entitled to. Savings may not apply in your area.

Tailor your coverage to you

When it comes to buying adequate coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you will benefit from professional help.

  • Do I need higher collision deductibles?
  • How much liability coverage do I need in my state?
  • What is PIP insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my 2014 Volkswagen Jetta GLI covered for smoke damage?
  • Should I sign the liability waiver when renting a car?
  • If my 2014 Volkswagen Jetta GLI is totaled, can I afford another vehicle?
  • How can I force my company to pay a claim?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk 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 only takes a few minutes and can provide invaluable advice.

What car insurance coverages do you need?

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages found on most car insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Volkswagen Jetta GLI.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision insurance

This will pay to fix damage to your Jetta GLI caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, sustaining damage from a pot hole, colliding with a tree, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, hail damage and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. It protects YOU against other people’s claims, and doesn’t cover 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. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like medical services, funeral expenses, legal defense fees, emergency aid and attorney fees. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills like nursing services, surgery, dental work and prosthetic devices. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible