How Much Does 1993 Volkswagen Jetta Car Insurance Cost?

Perplexed by the number of auto insurance companies? Many other consumers are too. People have so many companies to choose from that it can turn into more work than you anticipated to find the lowest price.

It’s smart to compare prices before your policy renews because rates are usually higher with each renewal. Despite the fact that you may have had the lowest price for Jetta coverage last year a different company probably has better rates today. So forget all the misinformation about auto insurance because we’re going to show you the best methods to reduce your cost while increasing coverage.

Finding the best rates is quite easy. Essentially anyone who carries insurance will be able to lower their premiums. But vehicle owners do need to learn how big insurance companies determine prices and apply this information to your search.

Auto Insurance Prices Online

To find the best auto insurance prices, there are several ways of comparing price quotes and find the best price. The easiest way to find the cheapest 1993 Volkswagen Jetta insurance rates consists of shopping online. This can be accomplished using a couple different methods.

  1. The recommended way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This method prevents you from having to do separate forms to each individual auto insurance company. In just a few minutes this one form will return price quotes from all major companies. Recommended for those who want to invest the least amount of time.
  2. A more difficult way to shop for auto insurance online consists of going to each individual company website to complete their respective quote request forms. For instance, we’ll assume you want to compare Nationwide, 21st Century and State Farm. To find out each rate you need to go to every website to enter your coverage information, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

Whichever method you choose, be sure to compare the exact same quote information for each price quote. If each company quotes different limits and deductibles on each one then you won’t be able to decipher which rate is best. Quoting even small variations in insurance coverages may result in a large different in cost. And when price shopping your coverage, comparing more company’s prices will improve the odds of getting the best rates.

Take advantage of discounts

Auto insurance companies don’t necessarily list all available discounts very well, so we researched some of the best known and the harder-to-find savings tricks you should be using.

  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% for Jetta coverage depending on your company.
  • New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
  • Homeowners Discount – Owning a house may trigger a insurance coverage policy discount because maintaining a house requires personal responsibility.
  • Defensive Driving Course – Successfully completing a course in driver safety could save 5% or more if you qualify.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.

Drivers should understand that most discount credits are not given to all coverage premiums. Most only cut individual premiums such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way.

A partial list of companies that may have some of the above discounts include:

Check with all companies you are considering which discounts you may be entitled to. All car insurance discounts may not apply in your area.

How to know if you need help

When buying proper insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if your insurance needs will benefit from professional help.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered when driving a rental car?
  • Is business equipment covered while in my vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I buy additional glass protection?
  • Is my babysitter covered when using my vehicle?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Volkswagen Jetta insurance rates have many determining factors

An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for auto insurance. Understanding what controls the rates you pay enables informed choices that will entitle you to better auto insurance rates.

  • Being married can save on auto insurance – Having a spouse can actually save you money when buying auto insurance. Having a significant other is viewed as being more mature than a single person and statistics show drivers who are married are more cautious.
  • Men pay higher rates – Statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Women and men tend to get into accidents in similar percentages, but the men have costlier accidents. Men also statistically have more aggressive citations such as reckless driving. Youthful male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
  • More than one policy can earn a discount – The majority of insurers give discounts to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, it’s in your best interest to compare rates to verify if the discount is saving money. Consumers may find better rates by buying insurance from more than one company.
  • Frequent auto insurance claims increase rates – Auto insurance companies provide discounts to drivers who do not file claims often. If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
  • Lower rates with optional equipment – Driving a car with an alarm system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
  • Where you live is a factor – Residing in a small town has it’s advantages when it comes to auto insurance. Lower population means fewer accidents. City drivers have to deal with congested traffic and longer commutes to work. More time on the road means more change of being in an accident.

Auto insurance coverages

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a parking meter, sideswiping another vehicle, crashing into a ditch, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability coverage – Liability insurance provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as attorney fees, structural damage and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive auto insurance – This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, a tree branch falling on your vehicle, a broken windshield, hail damage and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like ambulance fees, hospital visits and prosthetic devices. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

And the best car insurance company is…

Lower-priced 1993 Volkswagen Jetta insurance is definitely available from both online companies as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

Insureds change insurance companies for many reasons like being labeled a high risk driver, poor customer service, delays in responding to claim requests and an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching car insurance companies is easier than you think.

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The aim is to buy a smart amount of coverage at the best price while still protecting your assets.

Even more information can be read at these sites: