How Much Does 2008 Volkswagen Jetta Insurance Cost?

Searching for the cheapest auto insurance rates for your Volkswagen Jetta? Cutting costs on auto insurance is hard for people not familiar with comparing prices online. There are so many choices that it can easily become hard work to find more affordable auto insurance rates.

You should take the time to quote other rates every six months because auto insurance prices trend upward over time. Even if you think you had the best deal for Jetta coverage last year you may be paying too much now. There is a lot of wrong information about auto insurance on the internet, but in a few minutes you can learn some of the best ways to reduce your auto insurance bill.

How to compare insurance rate quotes

Shopping for lower insurance rates can be challenging if you don’t utilize the easiest way. You could spend the better part of a day talking to agents in your area, or you can utilize online quoting to get rates in a matter of minutes.

All the larger companies take part in a program that enables customers to complete one form, and every company returns a competitive quote based on that information. This system prevents you from having to do repetitive form submissions to each company. To submit your quote information now, click here to open in new window.

The one downside to doing it this way is you are unable to specify the companies to get quotes from. If you wish to select individual companies to compare, we have a page of low cost insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but be certain you are entering the same information for each price quote. If you enter unequal deductibles or liability limits you will not be able to determine the best price for your Volkswagen Jetta. Just slight variations in coverages may result in a large different in cost. Keep in mind that more quotes will increase your chances of finding the best rates.

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Car insurance ads are enticing

Car insurance providers like State Farm, Allstate and Geico endlessly run television and radio advertisements. They all make the same claim that drivers can save some big amount if you just switch your policy. How do they all give you a better price? Just pay attention to how they say it.

Companies quote the lowest rates for the type of driver that will most likely be profitable. For example, a preferred risk may be over age 30, has no prior claims, and drives newer vehicles. Any new insured that meets those criteria receive the lowest rate quotes and will most likely save when switching.

Consumers who don’t meet these standards may receive a higher premium and this results in the customer not buying. The ads state “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That is how insurance companies can make those statements.

This illustrates why it is so important to compare price quotes frequently. It is impossible to guess which company will give you lower auto insurance rates than your current company.

Don’t overlook these insurance discounts

Insurance is not inexpensive, but there could be significant discounts to reduce the price significantly. Some discounts apply automatically at the time you complete a quote, but a few must be manually applied in order for you to get them.

• Multiple Cars – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
• College Student Discount – Children who live away from home at college without a vehicle on campus could get you a discount.
• Cautious Driver Discount – Insureds without accidents can save up to 40% or more on their insurance quote for Jetta coverage than drivers with accident claims.
• Discount for Low Mileage – Low annual miles could earn better prices on cars that stay parked.
• Senior Citizen Rates – Mature drivers may be able to get a discount up to 10% for Jetta coverage.
• Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a insurance quote.
• Discounts for Federal Employees – Federal government employees can save as much as 8% for Jetta coverage but check with your company.

A little disclaimer on discounts, some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though you would think it’s possible to get free car insurance, it just doesn’t work that way.

A list of companies and a selection of discounts are detailed below.

• Geico has savings for anti-lock brakes, seat belt use, daytime running lights, membership and employees, good student, anti-theft, and multi-vehicle.
• MetLife policyholders can earn discounts including defensive driver, good driver, good student, accident-free, multi-policy, claim-free
• State Farm includes discounts for anti-theft, multiple autos, accident-free, defensive driving training, and safe vehicle.
• Progressive has discounts for online quote discount, good student, continuous coverage, multi-vehicle, online signing, multi-policy, and homeowner.
• Mercury Insurance discounts include annual mileage, anti-theft, good driver, multi-car, age of vehicle, and type of vehicle.
• 21st Century offers discounts for air bags, student driver, anti-lock brakes, automatic seat belts, good student, defensive driver, and early bird.
• Allstate may offer discounts for early signing, anti-lock brakes, good payer, economy car, senior citizen, and passive restraint.

When getting a coverage quote, ask each company or agent the best way to save money. A few discounts might not be available to policyholders in your area. If you would like to view insurance companies with discount rates, follow this link.

When to get professional advice

When it comes to buying coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.

• Do I have coverage when making deliveries for my home business?
• Should I have a commercial auto policy?
• Does my 2008 Volkswagen Jetta qualify for pleasure use?
• Who is covered by my policy?
• Should I waive the damage coverage when renting a car?
• What is covered by UM/UIM coverage?
• Does coverage extend to my business vehicle?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

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Auto insurance 101

Learning about specific coverages of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, colliding with another moving vehicle, crashing into a ditch, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, damage from getting keyed, theft, damage from a tornado or hurricane and damage from flooding. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance

This can cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like medical expenses, structural damage, repair costs for stationary objects, court costs and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Volkswagen Jetta.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses for pain medications, prosthetic devices, X-ray expenses, funeral costs and hospital visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Don’t break the bank

As you restructure your insurance plan, you should never buy poor coverage just to save money. In many cases, an accident victim reduced uninsured motorist or liability limits only to find out that they should have had better coverage. Your goal is to get the best coverage possible at the lowest possible cost.

People change insurance companies for any number of reasons including delays in responding to claim requests, questionable increases in premium, extreme rates for teen drivers and even policy non-renewal. Whatever your reason, finding a great new company is actually quite simple.

We just presented quite a bit of information on how to get a better price on 2008 Volkswagen Jetta insurance. The key thing to remember is the more rate comparisons you have, the better likelihood of getting the cheapest insurance. You may even find the biggest savings come from a lesser-known regional company.

More detailed car insurance information is available by following these links:

• Auto Insurance FAQ (Farmers Insurance)
• How do I File a Claim? (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)
• Young Drivers: The High Risk Years Video (iihs.org)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Red Light Cameras (State Farm)

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