Save on 2014 Volkswagen Jetta Car Insurance Rates

Comparing car insurance rates is not a process drivers like to do, but like it or not it is mandatory to be legal behind the wheel.

It’s a great practice to do rate comparisons before your policy renews since rates are rarely the same from one policy term to another. If you had the best price on Jetta coverage a few years ago you will most likely find a better rate today. So forget all the misinformation about car insurance because you’re going to learn how to use the internet to reduce your cost while increasing coverage.

How to Compare Insurance Coverage

To find the best insurance coverage prices, there are several ways of comparing price quotes and find the best price. The easiest way to find competitive 2014 Volkswagen Jetta insurance rates is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

• Probably the best way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This form eliminates the need for multiple quote forms for each company. One form submission will get you price quotes from many national carriers. Just one form and you’re done.
• A more time consuming way to obtain and compare quotes online requires a trip to the website of each company to complete their respective quote request forms. For examples sake, let’s assume you want to compare Liberty Mutual, Safeco and GMAC. You would have to visit each site to enter your coverage information, which is why most consumers use the first method.

  To view a list of companies in your area, click here.

• The hardest method of comparing rate quotes is to drive around to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you want the trained guidance only provided by licensed agents. You can, however, comparison shop online and get advice from an agent in your area and you’ll learn how to do that later.

Whichever way you use, double check that you are using identical information with each company. If you use different liability limits you will not be able to make an equal comparison. Quoting even small variations in coverages can make a big difference in price. And when price shopping your coverage, getting more free quotes will enable you to find a lower rate.

Tailor your coverage to you

When choosing coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether your personal situation may require specific advice.

• Is my cargo covered for damage or theft?
• Does coverage extend to a rental car in a foreign country?
• Do I need rental car coverage?
• Is my Volkswagen Jetta covered if I use it for business?
• Can I still get insurance after a DUI?
• Do I really need UM/UIM coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Educate yourself about insurance coverages

Understanding the coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision – This covers 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 insurance covers things like damage from a tornado or hurricane, falling objects, rock chips in glass, vandalism and fire damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages – This protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as court costs, legal defense fees, funeral expenses and medical services. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Collision coverage – This coverage will pay to fix damage to your Jetta resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for expenses for things like prosthetic devices, doctor visits, chiropractic care and hospital visits. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.