Save on 1993 Volkswagen Jetta Insurance Quotes

Looking for the cheapest auto insurance rates for your Volkswagen Jetta? Are you sick and tired of not being able to afford to buy auto insurance? You have the same problem as most other people. Due to the fact that there are so many companies to choose from, it can be impossible to pick the most affordable auto insurance company.

Buying the best protection is not that difficult. If you have a current insurance policy or are looking for a new policy, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Consumers only need to know how to get comparison quotes online.

Lower rate quotes by taking advantage of discounts

Car insurance is expensive, but you might be missing out on some discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of purchase, but a few must be specifically requested prior to receiving the credit. If you check and find you aren’t receiving every discount you deserve, you’re just leaving money on the table.

• Policy Bundle Discount – When you have multiple policies with the same company you may save up to 20% and get you cheaper insurance.
• Drivers Ed for Students – Teen drivers should take driver’s ed class as it can save substantially.
• Multiple Vehicles – Buying coverage for multiple cars on one policy can get a discount on all vehicles.
• Student Discounts – Performing well in school can save 20 to 25%. Many companies even apply the discount to college students until age 25.
• Payment Method – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.
• Distant Student Discount – Any of your kids who are enrolled in higher education away from home and do not have access to a covered vehicle may qualify for this discount.

As a footnote on discounts, most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, you aren’t that lucky.

Car insurance companies that have these money-saving discounts are:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

When comparing rates, check with every prospective company which credits you are entitled to. Depending on the company, some discounts might not apply in your state. If you would like to view companies that offer multiple discounts, click here.

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Compare car insurance rate quotes

Most major insurance companies such as Allstate, Geico and Progressive give price estimates on the web. Comparing rates online is pretty easy as you just enter your personal and coverage information as detailed in the form. Once entered, their rating system gets your driving and credit reports and returns pricing information based on the data you entered. This makes it simple to compare prices but having to visit a lot of sites and enter the same data into a form is a waste of time. But it’s necessary to perform this step if you want to find the best price possible.

There is an easier way to compare rates

A more efficient way to compare car insurance pricing is to use a quote form to return rates from many companies. The form is fast, eliminates form submissions, and makes online shopping much simpler. As soon as you send your information, your coverage is rated and you can select your choice of the returned quotes.

If a lower price is quoted, you can simply submit the application and buy the new coverage. The entire process takes just a few minutes to complete and may save quite a bit of money.

To compare rates now, simply click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you copy exactly as they are listed on your policy. Doing this guarantees you’re receiving a fair comparison for similar insurance coverage.

Eight things that affect your insurance costs

Many things are used when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but others are more obscure like your continuous coverage and annual miles driven.Part of the insurance coverage buying process is learning the different types of things that play a part in calculating your insurance coverage rates. If you understand what influences your rates, this enables you to make decisions that will entitle you to cheaper rates.

The list below includes a few of the “ingredients” used by companies to determine your rates.

• Age of drivers – Beginning drivers have a tendency to get distracted easily when driving and because of this, their insurance coverage rates are much higher. If you’ve ever had to add a inexperienced driver onto your insurance coverage can be very expensive. More experienced drivers are shown to be more cautious, cause fewer claims and accidents .
• Your address can modify rates – Living in less populated areas may provide you with better prices if you are looking for the lowest rates. Less people means reduced accidents and lower theft and vandalism rates. People who live in big cities have more auto accidents and much longer commute distances. Higher commute times means more chances of being involved in an auto accident.
• Allowing your insurance coverage policy to lapse raises insurance coverage rates – Allowing your insurance coverage policy to lapse can be a fast way to pay more for insurance coverage. Not only will you pay higher rates, being ticketed for driving with no insurance could earn you a license revocation or jail time.
• Cars with good safety ratings means lower premiums – Safe vehicles are cheaper to insure. The safest vehicles protect occupants better and better occupant protection means less money paid by your insurance company and thus lower rates.
• Raise comp and collision deductibles and save – Your deductibles state the amount of money you are willing to pay in the event of a claim. Physical damage insurance, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of some claims that would be covered could be a windshield broken by a bird, vandalism, and having a roll-over accident. The more the insured is willing to pay, the lower your rates will be for Jetta coverage.
• Guys pay higher premiums – Statistics demonstrate that women are safer drivers than men. However, don’t assume that females are better at driving than males. Both sexes cause fender benders in similar numbers, but the males get into accidents with more damage. Men also get ticketed for serious violations like driving under the influence (DUI). Young men ages 16 to 20 cause the most accidents so they pay the highest premiums.
• Alarms and GPS tracking lower insurance coverage rates – Buying a car with an alarm system can help lower your premiums. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping vehicle theft.
• Stressful vocation may mean higher prices – Do you have a high-stress occupation? Careers such as real estate brokerspolice officers and stock brokers tend to pay higher rates than the rest of us attributed to stressful work requirements and long work days. On the other hand, careers such as professors, athletes and retirees generally pay rates lower than average for Jetta coverage.

How much car insurance do I need?

When choosing adequate coverage, there really is no one size fits all plan. Every situation is different and your policy should reflect that. For instance, these questions could help you determine if you will benefit from professional help.

• Do I need replacement cost coverage?
• I have health insurance so do I need medical payments coverage?
• Where can I find high-risk insurance?
• Should I put collision coverage on all my vehicles?
• Does coverage extend to Mexico or Canada?
• Is upholstery damage covered by car insurance?
• Do I have any recourse if my insurance company denies a claim?
• Does my car insurance cover rental cars?
• What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.

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Advertising myths

Consumers can’t get away from ads for auto insurance savings from companies such as Allstate, Geico and Progressive. They all seem to advertise the message that people will save after switching your policy.

That’s great but how can every company sell you cheaper insurance coverage? This is the trick they use.

Different companies have strict underwriting profiles for the type of customer that earns them a profit. One example of a driver they prefer may need to be married and over the age of 30, insures multiple vehicles, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” receive the lowest rate quotes and will probably cut their rates substantially.

Consumers who are not a match for these stringent criteria will be charged higher premium rates which leads to the driver buying from a lower-cost company. The wording the ads use say “drivers that switch” not “everyone that quotes” save that much. That is how companies can truthfully lure you into getting a quote.

Because of this risk profiling, it is so important to do a price quote comparison at every renewal. It is just not possible to predict which company will fit you best based on your risk profile.

Coverages available on your policy

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Coverage for uninsured or underinsured drivers – 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. This coverage pays for hospital bills for your injuries and damage to your 1993 Volkswagen Jetta.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, damage from flooding and fire damage. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as ambulance fees, EMT expenses, pain medications, prosthetic devices and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a ditch, hitting a parking meter, driving through your garage door and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Auto liability – Liability coverage will cover damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims, and does not provide coverage for 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 commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as repair bills for other people’s vehicles, attorney fees, funeral expenses, loss of income and bail bonds. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

More choices the merrier

We just presented a lot of ways to lower your 1993 Volkswagen Jetta insurance prices. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding cheaper insurance. Consumers could even find that the best price on car insurance is with some of the smallest insurance companies. Regional companies may have significantly lower rates on certain market segments than their larger competitors like Allstate, Geico and Progressive.

While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many situations where an insured cut full coverage and learned later that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at the best price and still be able to protect your assets.

To read more, link through to the resources below:

• Credit Impacts Car Insurance Rates (State Farm)
• Driving in Bad Weather (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)

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