Compare 2002 Volkswagen Jetta Insurance Rates

Looking for cheaper insurance coverage rates for your Volkswagen Jetta? There isn’t anyone who likes having to buy insurance coverage, especially when they are aware that they are paying too much. Big-name insurance companies like Geico, Farmers Insurance and State Farm all promote huge savings with fancy advertisements and it is difficult to sift through the bull and do the work needed to find the best deal.

How insurers determine Volkswagen Jetta insurance prices

One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that help calculate car insurance rates. If you know what influences your rates, this allows you to make good choices that may result in lower car insurance prices. Many different elements are used in the calculation when you get a price on insurance. Most are fairly basic such as traffic violations, but other criteria are less obvious such as your credit history or how safe your car is.

The list below includes some of the factors used by insurance companies to determine premiums.

• Save money with GPS tracking and theft deterrents – Owning a car that has an advanced theft prevention system can get you a discount on your car insurance. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop car theft.
• Save money by raising physical damage deductibles – Physical damage insurance, also called comprehensive and collision insurance, helps pay for damage to your vehicle. A few examples of covered claims are a broken windshield, hail damage, and burglary. Your deductibles define the amount you are required to spend out-of-pocket in the event of a claim. The more money the insured is willing to pay, the less money you will pay for car insurance on Jetta coverage.
• Know your credit score – Credit rating is a large factor in calculating your premium rate. Therefore, if your credit history could use some work, you could pay less to insure your 2002 Volkswagen Jetta by taking the time to improve your credit score. People with high credit ratings tend to be less risk to insure than drivers with poor credit scores.
• Prevent car insurance policy lapses – Allowing your coverage to lapse can be a sure-fire way to drive up your policy premiums. Not only will you pay more, failure to provide proof of insurance could earn you a fine, jail time, or a revoked license. Then you may be required to file a SR-22 with your state department of motor vehicles.
• Cheaper to insure women? – Statistics show that men are more aggressive behind the wheel. This data doesn’t prove that women are BETTER drivers than men. Both genders have accidents in similar numbers, but the men have costlier accidents. Men also receive more costly citations such as reckless driving.
• Safer cars lower premiums – Cars with five star safety ratings can get you lower premiums. The safest vehicles result in less severe injuries and fewer injuries means your insurance company pays less and lower rates for you.

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Insurance discounts are available to lower your rates

Insurance can be prohibitively expensive, but there could be significant discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you get a quote, but some discounts are required to be requested specifically before you get the savings.

• ABS Braking Discount – Cars equipped with ABS or steering control can reduce accidents and will save you 10% or more.
• Paperwork-free – A few larger online companies provide a small discount simply for signing digitally online.
• No Accidents – Drivers with accident-free driving histories can earn big discounts in comparison to frequent claim filers.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 20 to 30 percent.
• Discounts for Government Workers – Active or retired federal employment could qualify for a slight premium decrease on Jetta coverage with certain companies.

Don’t be shocked that most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, nobody gets a free ride.

A few of the larger companies and some of the premium reductions they offer are shown below.

• The Hartford policyholders can earn discounts including vehicle fuel type, anti-theft, defensive driver, bundle, and good student.
• American Family has discounts for bundled insurance, early bird, accident-free, air bags, and TimeAway discount.
• Progressive may have discounts that include homeowner, good student, multi-policy, multi-vehicle, online signing, continuous coverage, and online quote discount.
• Travelers offers discounts for multi-car, student away at school, continuous insurance, driver training, good student, IntelliDrive, and early quote.
• Farmers Insurance offers discounts including bundle discounts, distant student, alternative fuel, pay in full, teen driver, and good student.
• USAA offers premium reductions for good student, multi-policy, new vehicle, military installation, multi-vehicle, and annual mileage.
• Liberty Mutual may offer discounts for hybrid vehicle, new graduate, teen driver discount, multi-policy, multi-car, and newly married.

Before you buy a policy, ask every company which discounts they offer. Some credits may not be offered in your area. To see a list of insurance companies that can offer you the previously mentioned discounts, click here.

Everyone needs different insurance coverages

When buying coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions might help in determining if you would benefit from an agent’s advice.

• Should I drop comprehensive coverage on older vehicles?
• Should I buy additional glass protection?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I need medical payments coverage since I have good health insurance?
• Does having multiple vehicles earn me a discount?
• How much liability coverage do I need in my state?
• Which companies will insure high-risk drivers?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Insurance policy coverages for a 2002 Volkswagen Jetta

Learning about specific coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.

Collision insurance

This coverage pays for damage to your Jetta resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, driving through your garage door, sideswiping another vehicle, scraping a guard rail and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability insurance

This coverage will cover damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, 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 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like medical services, bail bonds, court costs and pain and suffering. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses like rehabilitation expenses, chiropractic care, ambulance fees, doctor visits and prosthetic devices. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, fire damage, damage from flooding, rock chips in glass and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Volkswagen Jetta.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

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Be a penny pincher

When searching for cheap auto insurance quotes, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where someone sacrificed liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage for the lowest cost while still protecting your assets.

We’ve covered some good ideas how you can save on 2002 Volkswagen Jetta insurance. The most important thing to understand is the more companies you get rates for, the higher your chance of finding cheaper auto insurance. You may even discover the biggest savings come from a small mutual company. These companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm and Allstate.

Cheap 2002 Volkswagen Jetta insurance can be purchased on the web as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance coverage companies may not have rates over the internet and many times these regional carriers only sell coverage through independent agents.

Additional detailed information can be read at these sites:

• Child Safety FAQ (iihs.org)
• Medical Payments Coverage (Liberty Mutual)
• Teen Driving and Texting (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)
• Understanding Car Crashes Video (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)

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