How Much Does 1997 Volkswagen Jetta Insurance Cost?

Looking for the cheapest car insurance rates? Shoppers have a choice when shopping for the best price on Volkswagen Jetta insurance. You can either spend your time struggling with agents getting price quotes or use the internet to find the lowest rates.

There is a right way and a wrong way to find car insurance online and we’ll show you the best way to price shop coverage for your Volkswagen and find the lowest possible price.

It’s a good habit to compare prices periodically because insurance prices go up and down regularly. Just because you had the best deal on Jetta coverage a couple years back other companies may now be cheaper. Ignore everything you know about car insurance because we’re going to demonstrate the best methods to save money, get proper deductibles and limits, all at the lowest rate.

The purpose of this article is to help educate you on the most effective way to quote insurance and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Vehicle owners just need to learn the proper methods to get comparison quotes on the web.

First Step: Get free insurance quotes

Most larger insurance companies such as 21st Century, Allstate and State Farm allow you to get price estimates directly from their websites. Comparing rates online is fairly straightforward as you just type in your required coverages on the page. After you submit the form their quoting system sends out for your driving record and credit report and returns a price quote.

Quoting online simplifies rate comparisons, but the work required to visit different websites and complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to do this in order to get better insurance pricing.

An easier way to find lower prices requires only one form that obtains quotes from several different companies. It saves time, requires less work, and makes rate comparisons much more efficient. Immediately after you send the form, it is rated and you can select any or none of the price quotes you receive.

If you find a better price you can simply submit the application and buy the new coverage. The entire process just takes a couple of minutes and may save quite a bit of money.

To use this form to compare rates, simply click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you input your coverages as close as possible to your current policy. This way, you will have rate quotes for exact coverage.

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Informed consumers know how to find car insurance cheaper

Many different elements are part of the calculation when you get a price on insurance. Most are fairly basic such as your driving history, but other criteria are more transparent such as whether you are married or your commute time.

• Better rates on safer cars – Cars with high safety ratings are cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and lower injury rates translates directly to fewer claims and lower rates for you.
• See if your company offers a multi-policy discount – The majority of companies will give discounts to people who consolidate policies with them, otherwise known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount you may still want to shop around to confirm you are receiving the best rates possible.There is a chance you can save more without the discount even if you have your coverage with different companies
• Bump up comp and collision deductibles to lower rates – Physical damage insurance, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Examples of some claims that would be covered are running into the backend of another car, hail damage, and rolling your vehicle. Comp and collision deductibles define the amount you are required to pay before a claim is paid by your company. The more damage repair cost you pay before a claim is paid (deductible), the lower your rates will be on Jetta coverage.
• Filing insurance claims can increase rates – Car insurance companies provide better rates to people who are claim-free. If you file a lot of claims you can expect much higher rates or policy non-renewal. Insurance coverage is intended for the large, substantial claims.
• Cut premiums and deter theft – Choosing to buy a car with an alarm system can get you a discount on your car insurance. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping auto theft and help lower rates.
• Younger drivers pay more – Mature drivers are more cautious drivers, statistically cause fewer accidents and tend to be get fewer driving tickets.Teenage drivers are statistically shown to be easily distracted in a vehicle so they pay higher car insurance rates.

More discounts mean cheaper premiums

The cost of insuring your cars can be expensive, but you may qualify for discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be asked about before you get the savings. If you don’t get every credit available, you’re paying more than you need to.

• Fewer Miles Equal More Savings – Driving fewer miles may allow you to get lower premium rates due to less chance of an accident.
• Defensive Driving Course – Completing a course in defensive driver could possibly earn you a 5% discount if you qualify.
• Discounts for Responsible Drivers – Accident-free drivers may receive a discount up to 45% on Jetta coverage than drivers with accidents.
• Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and that can save you a little bit as well.
• Early Switch Discount – A few larger companies give discounts for buying a policy before your current policy expires. You may see this discount when you get insurance coverage quotes online.
• Senior Citizens – Mature drivers can get lower premium rates on Jetta coverage.

One last thing about discounts, most of the big mark downs will not be given the the whole policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, nobody gets a free ride.

Insurance companies who might offer most of the discounts above possibly include:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

When quoting, ask each insurance company to apply every possible discount. A few discounts may not be available in your area. To see a list of companies with significant discounts, click here.

It’s not one size fits all

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.

• Does my 1997 Volkswagen Jetta need full coverage?
• Will my insurance pay for OEM parts?
• Are my friends covered when driving my car?
• What are the financial responsibility laws in my state?
• What are the best liability limits?
• What is medical payments coverage?
• Does my insurance cover damage caused when ticketed for reckless driving?
• I have good health insurance, so how much medical payments coverage do I need?
• Who is covered when they drive my 1997 Volkswagen Jetta?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

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Specific coverage details

Knowing the specifics of your policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for bills for X-ray expenses, EMT expenses and chiropractic care. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from 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 insurance covers claims like a tree branch falling on your vehicle, damage from flooding, vandalism and theft. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for 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. So UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Collision protection

Collision insurance covers damage to your Jetta caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, colliding with a tree, crashing into a ditch, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability insurance

Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as structural damage, emergency aid, bail bonds, medical services and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Better coverage you can count on

Insureds who switch companies do it for any number of reasons including unfair underwriting practices, an unsatisfactory settlement offer, not issuing a premium refund or even high prices. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where an insured dropped comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your objective should be to buy a smart amount of coverage at an affordable rate.

Low-cost 1997 Volkswagen Jetta insurance can be found online in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers may not have online rate quotes and many times these regional insurance providers sell through independent agents.

For more information, feel free to visit the articles below:

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Booster Seat Ratings (iihs.org)
• Determing Auto Insurance Rates (Geico)

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