2001 Volkswagen Jetta Insurance Quotes – 6 Savings Tips

Have you finally had enough of not being able to afford each month for insurance? Your situation is no different than many other drivers. Since vehicle owners have many different company options, it’s difficult to choose the right company.

Finding the lowest cost protection can be fairly easy. If you have insurance now or are just looking to switch companies, you can use these tips to cut your premiums and still get good coverage. Drivers just need to understand the best way to get comparison rates on the web.

Take advantage of every insurance coverage discount

Some insurance providers don’t necessarily list the complete list of policy discounts very clearly, so below is a list some of the more common as well as the least known discounts that you can inquire about if you buy car insurance online.

• ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS braking systems or traction control are much safer to drive and will save you 10% or more.
• Telematics Data Discounts – Drivers who agree to allow their insurance coverage company to scrutinize driving manner by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks as long as the data is positive.
• Sign Early and Save – A few insurance coverage companies offer discounts for buying a policy prior to the expiration date on your current policy. This discount can save up to 10%.
• Multiple Policy Discount – If you can bundle your homeowners and auto insurance with the same company you may earn up to 20% and get you cheaper car insurance.
• Accident-Free Discounts – Insureds who avoid accidents and claims get the best insurance coverage rates compared to drivers with a long claim history.
• Life Insurance Discount – Select insurance coverage companies reward you with a discounted price on car insurance if you buy auto and life insurance together.

We need to note that some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as comp or med pay. Despite the appearance that all the discounts add up to a free policy, it just doesn’t work that way.

Insurance companies that may offer quotes with these benefits possibly include:

• Geico
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

Before purchasing a policy, check with all companies you are considering how many discounts you can get. Some discounts might not be offered on policies in every state. To see a list of companies that offer many of these discounts, click here to view.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How to know if you need help

When buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. For example, these questions could help you determine whether you may require specific advice.

• Are rental cars covered under my policy?
• Is a fancy paint job covered?
• Am I covered if I hit a deer?
• Should I have a commercial auto policy?
• Should I bundle my homeowners policy with my auto?
• Is my camper covered by my car insurance policy?
• How do I buy GAP insurance?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Is there truth in advertising?

Consumers can’t get away from all the ads that promise big savings from companies such as State Farm, Geico and Progressive. All the companies make an identical promise that drivers can save some big amount just by switching your policy.

But how can every company charge lower premium rates?

Insurance providers have specific guidelines for a prospective insured that will most likely be profitable. For instance, this type of driver may need to be over the age of 50, carries full coverage, and drives newer vehicles. Any driver who fits those characteristics will get very good premium rates as well as save if they switch.

Potential customers who fall short of those criteria will probably be forced to pay higher premium rates and ends up with business not being written. The ads say “customers that switch” not “all people who quote” save money. That’s why companies can make claims that they all have the best prices.

That is why drivers must get a wide range of price quotes. It is impossible to guess which insurance companies will have the lowest rates.

Insurance coverage specifics

Learning about specific coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages found on the average insurance policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills for things like EMT expenses, dental work, hospital visits and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Volkswagen Jetta.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive auto coverage

This covers 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 coverage protects against things such as theft, a broken windshield and hitting a deer. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, hitting a mailbox, crashing into a building, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Liability insurance

Liability insurance can cover injuries or damage you cause to other’s property or people that is your fault. Liability coverage has 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 $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as attorney fees, structural damage and medical expenses. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Final considerations

When you buy car insurance online, make sure you don’t buy less coverage just to save a little money. Too many times, consumers will sacrifice uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at the best cost but still have enough coverage for asset protection.

Some insurance companies may not provide online rate quotes and usually these small, regional companies sell through independent insurance agencies. The cheapest 2001 Volkswagen Jetta insurance is available on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection.

In this article, we covered many ideas to save on 2001 Volkswagen Jetta insurance. It’s most important to understand that the more you quote car insurance, the better your chances of lowering your car insurance rates. Consumers may even find the most savings is with a lesser-known regional company. Smaller companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

Additional detailed information is located in the articles below:

• What is Gap Insurance? (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption