How Much Does 1994 Volkswagen Jetta Insurance Cost?

Trying to find the cheapest insurance rates for your Volkswagen Jetta? Sick and tired of not being able to afford each month for car insurance? You’re in the same situation as the majority of other car owners. There are many insurance companies to choose from, and though it is a good thing to have a choice, lots of choices makes it harder to find a good deal.

The purpose of this article is to introduce you to the most effective way to quote insurance and some tricks to saving. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these methods. Drivers only need to know the proper way to compare rates online.

Discounts are basically free money

Insuring your fleet can be pricey, but you can get discounts that many people don’t even know exist. Some trigger automatically at the time you complete a quote, but some may not be applied and must be specifically requested in order for you to get them. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Distant Student – Youth drivers who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Senior Citizens – Older drivers may qualify for a discount up to 10% for Jetta insurance.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Claim Free – Drivers who don’t have accidents can save substantially when compared to drivers who are more careless.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy could earn a price break for each car.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like you would end up receiving a 100% discount, insurance companies aren’t that generous. But any discount will cut your premiums.

For a list of insurance companies with discount insurance rates, follow this link.

Which insurance is the “right” coverage?

When choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique and your policy should reflect that. For example, these questions could help you determine if you would benefit from professional advice.

  • Am I covered by my spouse’s policy after a separation?
  • How do I buy GAP insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I rate my 1994 Volkswagen Jetta as pleasure use or commute?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Why am I required to get a high-risk car insurance policy?
  • Does my personal policy cover me when driving out-of-state?
  • Is my dog or cat covered if injured in an accident?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Ads can be misleading

Consumers get pounded daily by advertisements for cheaper car insurance by 21st Century, Allstate and State Farm. They all seem to make the same claim about savings if you move to their company.

How do they all make the same claim?

All the different companies have a preferred profile for the type of customer that earns them a profit. An example of a preferred risk might be between 25 and 40, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who matches those parameters will get the preferred rates and therefore will cut their rates substantially.

Consumers who don’t meet these standards will be charged higher rates which leads to business not being written. The ad wording is “customers who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can state the savings.

That is why you should quote coverage with many companies. It’s impossible to know the company that will have the lowest Volkswagen Jetta insurance rates.

Insurance policy specifics

Learning about specific coverages of a insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on most insurance policies.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, a broken windshield and hail damage. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as ambulance fees, prosthetic devices, nursing services, X-ray expenses and EMT expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Collision coverages – Collision insurance pays for damage to your Jetta from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sustaining damage from a pot hole, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Auto liability insurance – This coverage can cover damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like bail bonds, repair costs for stationary objects and court costs. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

More choices the merrier

You just read many ideas to reduce 1994 Volkswagen Jetta insurance prices online. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a lesser-known regional company. Regional companies often have lower prices on specific markets compared to the large companies like Geico and State Farm.

Cheaper insurance is available from both online companies as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. Too many times, an insured cut uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at an affordable rate.

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