1998 Volkswagen Jetta Car Insurance Rates

Want lower insurance coverage rates for your Volkswagen Jetta? Are you confused by the sheer number of insurance coverage providers? Many other drivers are too. people have so many providers to choose from that it is hard work to find the perfect company for you.

Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these tips. Although drivers must comprehend how the larger insurance companies sell insurance online.

Where can I get affordable car insurance?

The are a couple different ways to compare rate quotes from different companies. The easiest way to find the lowest Volkswagen Jetta rates consists of obtaining rate quotes online. This is quite simple and can be completed in several different ways.

The most efficient way to find the lowest comparison rates is a comparison rater form click to view form in new window. This quick form prevents you from having to do separate quotation requests for each company you want a rate for. One form gets insurance cost estimates instantly. This is perfect if you don’t have a lot of time.

A more time consuming way to get quotes online is to take the time to go to the website for every company you want to comare and fill out a new quote form. For sake of this example, we’ll pretend you want to get rates from Nationwide, Farmers and Geico. You would have to go to every website and type in your information over and over, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but do your best to enter identical quote data on every quote. If you are comparing unequal deductibles or liability limits it will be very difficult to make an equal comparison. Having just a slight variation in coverage limits can result in a big premium difference. Keep in mind that comparing more rates from different companies will enable you to find more affordable rates. Some insurance companies are not set up to provide price estimates online, so it’s important to also get price estimates from them, too.

Earn discounts on insurance coverage

Insurance coverage is expensive, but there are discounts available that can dramatically reduce your bill. Some discounts apply automatically at the time of purchase, but some need to be asked about before you will receive the discount.

• Discounts for New Vehicles – Adding a new car to your policy can save up to 30% since new vehicles have better safety ratings.
• Drive Safe and Save – Safe drivers may save up to 50% more on Jetta coverage than drivers with accidents.
• Military Deployment Discount – Having an actively deployed family member may qualify for rate reductions.
• Defensive Driving Course – Participating in a course in safe driver could save 5% or more and easily pay for the cost of the class.
• Discount for Low Mileage – Maintaining low annual mileage may allow you to get discounted premium rates on garaged vehicles.
• Good Student – Being a good student can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
• Renewal Discounts – Select insurance coverage companies give a discount for switching to them before your current expiration date. This can save 10% or more.
• Distant Student Discount – Youth drivers who live away from home at college and won’t have access to an insured vehicle could get you a discount.
• Pay Early and Save – If you pay your bill all at once rather than spreading payments over time you may have a lower total premium amount.
• Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and can earn a small discount on your policy.

We need to note that some credits don’t apply to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, you aren’t that lucky. Any amount of discount will definitely lower your policy cost.

Larger insurance coverage companies and their offered discounts are shown below.

• Travelers discounts include good student, save driver, driver training, IntelliDrive, student away at school, early quote, and hybrid/electric vehicle.
• 21st Century offers discounts for good student, theft prevention, homeowners, early bird, automatic seat belts, air bags, and defensive driver.
• State Farm offers premium reductions for Steer Clear safe driver discount, safe vehicle, passive restraint, good student, and anti-theft.
• Geico has savings for multi-policy, membership and employees, air bags, anti-lock brakes, and five-year accident-free.
• SAFECO includes discounts for drive less, teen safety rewards, homeowner, anti-lock brakes, and anti-theft.
• AAA may offer discounts for pay-in-full, AAA membership discount, education and occupation, multi-policy, and multi-car.

When comparing rates, check with each insurance company which credits you are entitled to. Discounts might not be offered in your area.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage, there is no perfect coverage plan. Every situation is different.

Here are some questions about coverages that can help discover whether you may require specific advice.

• Does my policy pay for OEM or aftermarket parts?
• Is motorclub coverage worth it?
• Is a new car covered when I drive it off the dealer lot?
• What is covered by UM/UIM coverage?
• Am I covered when using my vehicle for business?
• Should I have combined single limit or split liability limits?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance 101

Learning about specific coverages of car insurance can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability

This coverage will cover damages or injuries you inflict on other people or property. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like repair costs for stationary objects, emergency aid, medical services, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hitting a deer, falling objects and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

This will pay to fix damage to your Jetta from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as scraping a guard rail, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as X-ray expenses, doctor visits, hospital visits, pain medications and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Volkswagen Jetta.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.