Cheapest 2013 Volkswagen Jetta Insurance Rates in 2023
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UPDATED: Apr 18, 2022
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Trying to find lower auto insurance rates for your Volkswagen Jetta? Are you confused by the wide range of auto insurance choices? Many other drivers are as well. You have so many options available that it can be a real challenge to compare prices.
If you have car insurance now, you will most likely be able to reduce your rates substantially using these methods. Buying affordable protection is simple if you know the tricks. Although consumers must understand the way insurance companies determine prices and apply this information to their search.
Factors That Influence Volkswagen Jetta Car Insurance Rates
What determines the price of car insurance? Smart consumers have a good feel for some of the elements that play a part in calculating your auto insurance rates.
Knowing what influences your rates helps enable you to make changes that will entitle you to better auto insurance rates.
- Liability coverage is cheap – The liability section of your policy will protect you in the event that a court rules you are at fault for damages from an accident. Liability provides legal defense coverage up to the limits shown on your policy. Liability is cheap compared to insurance for physical damage coverage, so drivers should carry high limits.
- More claims mean more premium – Companies generally give discounts to policyholders who do not file claims often. If you file claims often, you can expect either policy cancellation or increased premiums. Insurance coverage is designed for large, substantial claims.
- Older drivers pay less – Teen drivers are statistically proven to get distracted easily in a vehicle so auto insurance rates are higher. Mature drivers are more responsible, statistically cause fewer accidents, and tend to be better behind the wheel.
- Don’t let your coverage lapse – Driving your car without having proper coverage can get your license suspended and auto insurance companies will penalize you for letting your insurance expire. Not only will you pay more, but failure to provide proof of insurance will also get you a license revocation or jail time.
- Special features that cut premiums – Choosing a vehicle with a theft-deterrent system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology, and General Motors OnStar can thwart your vehicle from being stolen.
- Being married is a good thing – Having a wife or husband actually saves money on auto insurance. Marriage translates into being more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
- Men pay higher rates – Statistics demonstrate women tend to be less at risk to insure than men. Now that doesn’t mean women are better drivers than men. Women and men tend to get into accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets such as reckless driving.
- Choose a safe vehicle and save – Vehicles with high crash test scores get lower rates. Safer cars have better occupant injury protection and fewer injuries translate into savings for insurance companies and more competitive rates for policyholders. If your Volkswagen has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
Comparing VW Jetta Car Insurance Quotes
All major insurance coverage companies quote price estimates on their websites. Obtaining pricing is pretty painless as you simply type in your required coverages into a form. After you submit the form their rating system obtains reports for credit and driving violations and gives you a price quote based on these factors.
This helps simplify price comparisons, but the time required to go to each company’s website and repetitively type in the same information is repetitive and time-consuming. But it’s very important to have as many quotes as possible in order to find the lowest price.
The easiest way to compare insurance coverage pricing requires only one form that gets prices from several companies at one time. It saves time, requires much less work on your part, and makes price shopping online much more enjoyable. Immediately after you send the form, it is rated and you are able to buy your choice of the resulting price quotes.
If a lower price is quoted, you can simply submit the application and buy the policy. The whole process can be completed in a matter of minutes and may save quite a bit of money.
If you have your current policy handy, we recommend you replicate the insurance coverages exactly as shown on your declarations page. Doing this guarantees you are getting rate comparison quotes based on identical coverages.
Volkswagen Jetta Car Insurance Discounts.
Insurance can be prohibitively expensive, but discounts can save money and there are some available that many people don’t even know are available. Certain discounts will be triggered automatically when you quote, but a few need to be specifically requested prior to getting the savings.
- Accident-Free – Drivers who don’t have accidents pay less when compared to accident-prone drivers.
- Homeowners Savings – Being a homeowner can save you money because owning a home requires personal responsibility.
- Clubs and Organizations – Affiliation with a professional or civic organization may earn a discount when buying auto insurance on Jetta coverage.
- Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
- Accident Forgiveness – A handful of insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
- New Vehicle Savings – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
- Low Mileage – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
- Multiple Cars – Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
- Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on Jetta coverage than drivers with accident claims.
Keep in mind that most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates all those discounts mean the company will pay you, auto insurance companies aren’t that generous. Any discount will cut the amount you have to pay.
Car Insurance 101
Having a good grasp of your policy helps when choosing the best coverages for your vehicles.
When it comes to buying proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Every situation is different.
For example, these questions may help you determine whether you would benefit from an agent’s advice.
- Am I better off with higher deductibles on my 2013 Volkswagen Jetta?
- Am I covered if I hit my neighbor’s mailbox?
- Are all vehicle passengers covered by medical payments coverage?
- Will I lose any money if I cancel my policy before it expires?
- Do I need more liability coverage?
- If my 2013 Volkswagen Jetta is totaled, can I afford another vehicle?
- Should I buy additional glass protection?
- What can I do if my company denied a claim?
- Is my Volkswagen Jetta covered if I use it for business?
- Am I covered when driving someone else’s vehicle?
If you’re not sure about those questions then you might want to talk to an insurance agent.
The coverage terms in a policy can be hard to understand so let’s break them down and make them easier to grasp.
Uninsured/Underinsured Motorist (UM/UIM) Coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Volkswagen Jetta.
Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually, your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
This coverage can cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident, and a property damage limit. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Another option is a combined limit that pays claims from the same limit without having the split limit caps.
Liability coverage protects against claims like medical expenses, emergency aid, bail bonds, and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.
This will pay to fix the damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like hitting a bird, damage from flooding, and hitting a deer. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
MedPay and Personal Injury Protection (PIP)
MedPay and PIP coverage kick in for bills like ambulance fees, X-ray expenses, EMT expenses, nursing services, and chiropractic care. The coverages can be used to fill the gap in your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
This coverage pays for damage to your Jetta resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as colliding with a tree, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.
Consider Switching Insurance Companies to Save
As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. There are too many instances where someone dropped collision coverage and discovered at claim time they didn’t purchase enough coverage. The proper strategy is to buy enough coverage at the best price while not skimping on critical coverages.
Consumers change insurance companies for a variety of reasons including delays in paying claims, poor customer service, unfair underwriting practices, and extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new insurance company can be pretty painless.
We’ve covered a lot of techniques to compare 2013 Volkswagen Jetta insurance prices online. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even find the biggest savings come from the smaller companies.
How much does a 2013 Volkswagen Jetta cost?
The cost for a 2013 Volkswagen Jetta starts at around $8,500 according to Kelley Blue Book. That cost can vary for a used car based on mileage, condition of the vehicle, and options. But the 2013 Jetta cost at the time of purchase isn’t the only expense you’ll need to keep in mind.
As an older car, it will most likely have additional maintenance and upkeep costs. And you’ll also have to consider the cost of car insurance. Since it’s a used car, your car insurance rates should be lower than a newer vehicle. Just be sure to budget for all of these additional expenses.
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