Are you a victim of an underperforming, overpriced auto insurance policy? Believe me when I say there are many people just like you. Many car insurance companies vie to insure your vehicles, so it can be very hard to choose a insurance company to find the absolute lowest rate
It is always a good idea to take a look at other company’s rates every six months because rates are usually higher with each renewal. Just because you had the lowest rates for Jetta coverage last year there is a good chance you can find better rates now. You can find a lot of wrong information about auto insurance online but we’re going to give you some great ways to slash your auto insurance rates.
If you are insured now or are looking for a new policy, you can learn to cut your premiums and still get good coverage. Choosing the best insurance company for you is quite easy. Drivers only need to know the most efficient way to shop their coverage around online.
These discounts can slash auto insurance rates
Companies do not list every available discount very clearly, so we researched some of the best known and the harder-to-find ways to save on auto insurance. If you’re not getting every credit you deserve, you are throwing money away.
- Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The discount lasts well after school through age 25.
- Bundle and Save – When you combine your home and auto insurance with one insurance company you may earn 10% to 20% off each policy.
- Drive Less and Save – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
- Own a Home – Owning a house may earn you a small savings because maintaining a house demonstrates responsibility.
- Early Signing – Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.
- Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for Jetta coverage depending on your company.
- Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
- Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
- Military Rewards – Having a family member in the military could be rewarded with lower premiums.
- Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way.
To choose insurers who offer auto insurance discounts, click here.
Volkswagen Jetta rates are complex
An important part of buying insurance is that you know the factors that go into determining the rates you pay for auto insurance. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get lower auto insurance prices.
- Never go without insurance – Letting your insurance expire will be a sure-fire way to pay more for auto insurance. Not only will rates go up, but not being able to provide proof of insurance will get you a license revocation or jail time.You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
- The more you drive the more you pay – The higher the mileage driven every year the more you will pay for auto insurance. Most insurance companies apply a rate based on their usage. Cars and trucks left parked in the garage qualify for better rates than those used for commuting. If your policy improperly rates your Jetta can result in significantly higher rates. Make sure your auto insurance declarations sheet is showing the correct usage for each vehicle.
- Where you reside plays a part – Residing in small towns and rural areas can save you money when it comes to auto insurance. Urban drivers have traffic congestion and much longer commute distances. Fewer drivers means fewer accidents as well as less vandalism and auto theft.
- Credit scores impact auto insurance rates – Credit history is a important factor in calculating your auto insurance rates. If your credit score is not that good, you could potentially save money when insuring your Volkswagen Jetta by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
- Theft deterrents lower rates – Owning a car with an alarm system can help bring down rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.
- Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for auto insurance? Occupations such as lawyers, executives and dentists have the highest average rates attributed to stressful work requirements and lots of time spent at work. Other occupations such as actors, historians and performers get better rates for Jetta coverage.
- Older drivers save more – Teenage drivers are known to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
- Little extras can really add up – There are a ton of add-on coverages that can waste your money on your auto insurance policy. Insurance for rental car reimbursement, accident forgiveness and additional equipment coverage may be wasting your money. These coverages may sound good initially, but now you might not need them so eliminate the coverages to reduce your premium.
What happened to insurance agents?
Some consumers would rather talk to a local agent. Agents can help determine the best coverages and help in the event of a claim. One of the great benefits of price shopping on the web is that you can obtain the best rates and still have an agent to talk to.
Upon completion of this short form, the quote information is submitted to companies who will return price quotes for your insurance coverage. You won’t need to leave your house because quoted prices will be sent to your email. It doesn’t get any easier!
Selecting an insurer needs to be determined by more than just the bottom line cost. Agents should be asked these questions:
- Can they give you a list of client referrals?
- Are they full-time agents?
- What insurance companies do they work with?
- Do they review policy coverages at every renewal?
- Did they already check your driving record and credit reports?
Insurance agents come in two flavors
When searching for a reputable insurance agent or broker, you need to know there are two types of agencies that you can select. Agents are either captive or independent (non-captive). Either one can write coverage properly, but it’s important to know the differences because it can impact your selection of an agent.
Captive Insurance Agents
These agents work for only one company like AAA, Allstate and State Farm. They are unable to compare other company’s rates so they have no alternatives for high prices. Captives are well schooled in insurance sales which helps them compete with independent agents.
Independent Agents
These agents are not employed by any specific company so they have the ability to put coverage amongst many companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent. When comparing rates, it’s a good idea to contact at least one independent agent for the best price selection.
To view a full list of agents, visit this site.
Once you have good answers to any questions you have and an acceptable price quote, you have narrowed it down to a car insurance agent that will adequately provide auto insurance.
Best coverage at the best price
Low-cost Volkswagen Jetta insurance can be purchased online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.
You just read a lot of tips how to save on Volkswagen Jetta insurance. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers could even find that the biggest savings come from a smaller regional carrier. Smaller companies may cover specific market segments cheaper than their larger competitors like GEICO and State Farm.
