Cheaper 1996 Volkswagen Jetta Car Insurance Rates

Trying to come up with a payment for high-priced auto insurance can overdraw your accounts and possibly require you to analyze your spending habits. Comparing price quotes can help to make ends meet.

Popular companies such as State Farm, Progressive and Geico all claim big savings with advertising and it is difficult to sift through the bull and do the work needed to find the best deal.

How to find low cost insurance coverage

Finding a lower price on 1996 Volkswagen Jetta insurance is actually quite simple. All that’s required is to invest a few minutes getting comparison quotes online with multiple companies. This is very easy and can be done using one of these methods.

Experts agree that the best way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This quick form saves time by eliminating separate quotation requests for every prospective company. One simple form gets coverage cost estimates from multiple companies.

A harder way to find better pricing is to take the time to go to each company website and repeat the quote process. For instance, we’ll pretend you need rates from Farmers, Liberty Mutual and Allstate. You would have to visit each site to input your insurance information, which can be really labor intensive.

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

Which method you use is up to you, but try to keep the exact same deductibles and coverage limits on every quote. If you are comparing different data it’s impossible to find the best deal for your Volkswagen Jetta.

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Don’t overlook these insurance discounts

Insurance is not inexpensive, but you may be missing some discounts to help bring down the price. A few discounts will automatically apply at the time you complete a quote, but a few need to be specially asked for before you get the savings.

• Discounts for Responsible Drivers – Insureds who avoid accidents may save up to 50% more for Jetta insurance than less cautious drivers.
• Use Seat Belts – Forcing all vehicle occupants to wear their seat belts can save 10% or more off PIP or medical payments premium.
• Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your insurance coverage quote.
• New Car Discount – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new vehicles.
• Auto/Life Discount – Not all companies offer life insurance, but some may give you better prices if you take out life insurance.
• Multi-policy Discount – When you have multiple policies with one company you could get a discount of over 10 percent off each policy depending on the company.
• Employee of Federal Government – Simply working for the federal government can save as much as 8% for Jetta insurance with certain companies.
• Save over 55 – If you’re over the age of 55, you may qualify for a small decrease in premiums for Jetta insurance.

Consumers should know that many deductions do not apply the the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though you would think it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount should definitely cut your insurance premiums.

Larger insurance companies and their offered discounts can be found below.

• Progressive offers discounts for homeowner, online signing, good student, multi-policy, and continuous coverage.
• MetLife discounts include accident-free, good driver, claim-free, defensive driver, good student, and multi-policy.
• Mercury Insurance has discounts for age of vehicle, location of vehicle, accident-free, professional/association, and ease of repair.
• Nationwide may include discounts for good student, anti-theft, easy pay, business or organization, accident-free, defensive driving, and family plan.
• Geico may have discounts that include defensive driver, membership and employees, air bags, five-year accident-free, emergency military deployment, multi-vehicle, and driver training.
• AAA may offer discounts for multi-policy, education and occupation, multi-car, pay-in-full, and anti-theft.

Double check with every insurance company which discounts they offer. Some of the discounts discussed earlier might not be offered on policies in your area. To find insurers who offer insurance discounts, click here.

When to get professional advice

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Each situation is unique so this has to be addressed. For example, these questions can help discover whether your personal situation may require specific advice.

• Does insurance cover tools stolen from my truck?
• Should I file a claim if it’s only slightly more than my deductible?
• Is borrowed equipment or tools covered if stolen or damaged?
• Does insurance cover damages from a DUI accident?
• Is my 1996 Volkswagen Jetta covered for flood damage?
• Does car insurance cover theft of personal property?
• Am I insured when driving a different vehicle?
• What vehicles should carry emergency assistance coverage?
• Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Learn how to quote insurance more affordably

Many factors are taken into consideration when you quote your car insurance policy. Most are fairly basic such as your driving record, although some other factors are less apparent like your vehicle usage or how financially stable you are.

The itemized list below are just a few of the factors used by companies to determine prices.

• Your age impacts your costs – Beginning drivers are proven to be easily distracted when behind the wheel therefore insurance rates are much higher. Adding a inexperienced driver to your insurance policy can cause a big jump in price. Older drivers are more responsible, file fewer claims , and are generally more financially stable.
• Discounts for auto and home policies – Most larger insurers provide better rates to clients who have multiple policies with them in the form of a multi-policy discount. The amount of the discounts can be 10 percent or more. Even if you qualify for this discount already, you still need to comparison shop to help guarantee you have the best rates.
• Your gender affects rates – Statistics show females are less aggressive when driving. Now that doesn’t mean men are worse drivers. Both genders are responsible for accidents at about the same rate, but guys cause more damage and cost insurance companies more money. Men also statistically get higher numbers of serious violations like DWI (DUI) or reckless driving. Youthful male drivers tend to get in the most accidents and thus pay the highest rates.
• Safeguard your assets with liability coverage – The liability coverage on your policy is the protection if a jury decides you are liable for personal injury or accident damage. Liability provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to comp and collision, so drivers should carry high limits.
• Driving citations are costly – Even a single moving violation may increase your cost to the point where it’s not affordable. Drivers with clean records pay lower auto insurance prices compared to bad drivers. Drivers who have gotten multiple citations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to complete a SR-22 with their state’s department of motor vehicles in order to continue driving.
• Only buy what you need – There are a ton of extra add-on coverages that you can buy on your insurance policy. Add-on coverages like replacement cost coverage, towing, and extra life insurance coverage are probably not needed. The coverages may be enticing when discussing your needs, but now you might not need them so consider taking them off your policy.

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Don’t believe everything you hear

Drivers can’t get away from all the ads that claim the lowest prices from the likes of Progressive, Geico, Allstate and State Farm. They all make the point about saving some big amount if you switch your auto insurance policy to them.

That’s great but how can every company offer you a better deal? This is the trick they use.

Different companies require specific criteria for the type of customer that earns them a profit. For instance, a desirable insured may need to be between the ages of 40 and 55, owns a home, and insures a new vehicle. Any customer who matches those parameters receive the lowest rate quotes and most likely will pay quite a bit less when switching companies.

People who are not a match for the ideal profile will see higher prices and ends up with business not being written. The ads state “drivers that switch” not “everyone that quotes” save that much money. This is how companies can truthfully advertise the savings. This really illustrates why you need to get price quotes at each policy renewal. It’s just not possible to know which insurance companies will give you the biggest savings.

Insurance coverage breakdown

Knowing the specifics of a insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.

Liability coverages

This can cover damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others, and doesn’t cover 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. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as medical expenses, loss of income and legal defense fees. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as a tree branch falling on your vehicle, vandalism, damage from a tornado or hurricane, a broken windshield and falling objects. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as funeral costs, X-ray expenses and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Collision coverage

This coverage covers damage to your Jetta from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a parking meter, rolling your car, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Smart consumers save more

The cheapest 1996 Volkswagen Jetta insurance is available from both online companies in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance coverage companies may not have rates over the internet and these smaller providers sell through local independent agencies.

We just covered some good ideas how you can get a better price on 1996 Volkswagen Jetta insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding the cheapest insurance coverage. Drivers may discover the lowest priced insurance coverage comes from a small mutual company. They may only write in your state and offer lower car insurance rates as compared to the big name companies such as Geico and State Farm.

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. There have been many situations where an insured cut comprehensive coverage or liability limits only to find out that the savings was not a smart move. The goal is to purchase a proper amount of coverage at the lowest possible cost while not skimping on critical coverages.

For more information, take a look at the resources below:

• Collision Insurance Coverage (Nationwide)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• Side Impact Crash Tests (iihs.org)

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