1995 Volkswagen Jetta Car Insurance Cost – 6 Tips for Best Prices

Trying to come up with a payment for expensive auto insurance can overdraw your monthly budget and force you to make tough financial choices. Getting a rate comparison is free, only takes a few minutes, and is a good way to cut your insurance bill.

Online insurance companies like Progressive, State Farm and Geico all claim big savings with ad campaigns and consumers find it hard to ignore the promise of big savings and do the work needed to find the best deal.

It’s a good idea to check auto insurance prices yearly since insurance prices fluctuate regularly. If you had the lowest price on Jetta coverage a year ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re about to find out how to quote online to find the best coverage while lowering your premiums.

If you have a current car insurance policy or are shopping for new coverage, you can use this information to find better prices while maintaining coverages. Finding the best rates is not rocket science. Drivers just need to learn how to get comparison quotes on the web.

Insurance policy discounts you can’t miss

Companies that sell car insurance don’t always list every available discount in a way that’s easy to find, so below is a list both the well known and the more hidden credits available to you.

• Early Switch Discount – A few companies give discounts for signing up before your current policy expires. It can save you around 10%.
• Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you may earn as much as 10 to 15 percent.
• Drive Less and Save – Low mileage vehicles can qualify you for substantially lower rates.
• Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
• Good Students Pay Less – This discount may save you up to 25%. The discount lasts up until you turn 25.
• 55 and Retired – Seniors may be able to get better insurance rates on Jetta coverage.

We need to note that most credits do not apply to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, you aren’t that lucky. But any discount will definitely reduce your policy premiums.

A list of companies and their offered discounts are shown below.

• State Farm policyholders can earn discounts including anti-theft, Steer Clear safe driver discount, accident-free, safe vehicle, driver’s education, and defensive driving training.
• Geico offers premium reductions for daytime running lights, membership and employees, defensive driver, multi-vehicle, and military active duty.
• Progressive has discounts for multi-policy, good student, continuous coverage, online signing, homeowner, and multi-vehicle.
• 21st Century may include discounts for automatic seat belts, student driver, anti-lock brakes, driver training, defensive driver, and air bags.
• American Family may offer discounts for good driver, early bird, air bags, good student, TimeAway discount, bundled insurance, and Steer into Savings.
• The Hartford has savings for anti-theft, defensive driver, bundle, vehicle fuel type, air bag, and driver training.
• AAA includes discounts for multi-policy, good driver, AAA membership discount, good student, anti-theft, and pay-in-full.

When comparing rates, check with each company what discounts are available to you. Discounts might not be available to policyholders in your area.

Insurance agents can help

When it comes to buying coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help you determine if your situation would benefit from professional advice.

• Can I get a multi-policy discount?
• What is the ISO rating for a 1995 Volkswagen Jetta?
• Should I file a claim if it’s only slightly more than my deductible?
• Should I buy full coverage?
• Is my camper covered by my car insurance policy?
• When should I buy a commercial auto policy?
• Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can help protect your family.

Car insurance 101

Knowing the specifics of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Collision coverage

Collision coverage covers damage to your Jetta resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with another moving vehicle, hitting a mailbox, scraping a guard rail, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Volkswagen Jetta.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like pain medications, rehabilitation expenses, ambulance fees, funeral costs and hospital visits. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, hail damage, vandalism and fire damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage

Liability coverage provides protection from damage that occurs to a person or their property in an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like bail bonds, structural damage and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Stretch your dollar

When searching for cheap insurance quotes, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where an accident victim reduced uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. The aim is to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

Cost effective 1995 Volkswagen Jetta insurance can be sourced on the web and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies do not offer price quotes online and these regional carriers sell through independent agents.

We just presented some good ideas how to reduce 1995 Volkswagen Jetta insurance rates online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding cheaper insurance. You may be surprised to find that the best rates are with a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Geico and State Farm.

For more information, link through to the following helpful articles:

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Information for Teen Drivers (Geico)