2016 Volkswagen Jetta Insurance Cost
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UPDATED: Dec 2, 2021
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Looking for lower car insurance rates? Shoppers have options when shopping for the lowest priced Volkswagen Jetta insurance. They can either waste time calling around getting price quotes or leverage the internet to find the lowest rates.
There are more efficient ways to compare car insurance rates and we’ll show you the proper way to compare rates for your Volkswagen and get the best price possible from both online companies and local agents.
It’s a good habit to shop coverage around before your next renewal because rates change quite often. Just because you found the best premium rates for Jetta insurance a year ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about car insurance because you’re about to learn the proper way to lower your rates without sacrificing coverage.
Do you qualify for discounts?
Car insurance companies don’t necessarily list all possible discounts in a way that’s easy to find, so the next list breaks down some of the more common as well as some of the hidden discounts you could be receiving when you buy car insurance online.
- Military Rewards – Being deployed with a military unit could trigger a small discount.
- Discount for New Cars – Insuring a vehicle that is new can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
- Accident-Free Discounts – Good drivers with no accidents can save substantially in comparison to drivers who are more careless.
- Early Switch Discount – A few larger companies offer discounts for switching to them early. You can save around 10% with this discount.
- Homeowners Pay Less – Just being a homeowner may earn you a small savings due to the fact that maintaining a home shows financial diligence.
We need to note that most discount credits are not given the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, you aren’t that lucky.
To see insurers with significant discounts, follow this link.
Compare insurance coverage rates
There are multiple methods to compare insurance coverage quotes, and some are more efficient than others. You could spend the better part of a day talking about coverages with agents in your area, or you can utilize the web to achieve your goal.
Many popular insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and every company provides a quote based on that data. This system prevents you from having to do repetitive form submissions to each individual insurance coverage company. To find out how much you can save on insurance coverage click to open in new window.
The single downside to pricing coverage this way is that consumers can’t choose which companies you will receive quotes from. So if you prefer to pick from a list of companies to compare prices, we have a page of the cheapest insurance coverage companies in your area. View list of insurance companies.
Take whichever approach you prefer, but make absolute certain that you use the exact same coverage data with every price quote. If the quotes have differing limits then you won’t be able to determine which company has the best rates.
Don’t assume everyone needs the same insurance coverage coverage
When choosing the best insurance coverage coverage, there really is not a cookie cutter policy. Every insured’s situation is different.
For instance, these questions may help highlight whether or not you would benefit from an agent’s advice.
- Will filing a claim cost me more?
- Are all vehicle passengers covered by medical payments coverage?
- Am I covered when driving on a suspended license?
- Is my ex-spouse still covered by my policy?
- When should I buy a commercial auto policy?
- What discounts do I qualify for?
- Is my camper covered by my car insurance policy?
- I have a DUI can I still get coverage?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.
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Information about specific coverages
Knowing the specifics of your policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP kick in for bills for things like ambulance fees, X-ray expenses and hospital visits. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Volkswagen Jetta.
Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as damage from flooding, hitting a deer, vandalism, a tree branch falling on your vehicle and hail damage. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Auto collision coverage
This coverage covers damage to your Jetta resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as crashing into a building, colliding with another moving vehicle, colliding with a tree, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.
Liability auto insurance
Liability insurance can cover injuries or damage you cause to other people or property in an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.
Liability insurance covers things like medical expenses, repair bills for other people’s vehicles, attorney fees, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.
Quote often and quote early
While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, an insured cut comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at a price you can afford.
Consumers who switch companies do it for any number of reasons including high rates after DUI convictions, not issuing a premium refund, being labeled a high risk driver and even delays in paying claims. Regardless of your reason, switching insurance companies can be easy and end up saving you some money.
We just presented a lot of information how to shop for 2016 Volkswagen Jetta insurance online. The key concept to understand is the more quotes you get, the better likelihood of getting inexpensive car insurance. You may even find the lowest premium rates are with a small local company.
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