Cheap 1996 Volkswagen Jetta Car Insurance Quotes

Price shopping your car insurance can seem to be nearly impossible for beginners to comparison shopping online. There are so many options available that it can quickly become more work than you anticipated to locate the lowest price.

If you have car insurance now, you should be able to save some money using these methods. The purpose of this article is to introduce you to the best way to quote coverages and some tricks to saving. Nevertheless, vehicle owners can benefit by having an understanding of the way companies price insurance differently and apply this information to your search.

Volkswagen Jetta insurance rates have many determining factors

Consumers need to have an understanding of some of the elements that go into determining the price you pay for auto insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Listed below are a partial list of the pieces used by your company to calculate rates.

  • Men pay higher rates – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes tend to get into accidents at a similar rate, but men cause more damage. Men also get cited for more serious violations such as reckless driving. Teenage male drivers tend to get in the most accidents and therefore have the most expensive auto insurance rates.
  • Do you know your deductibles? – Physical damage deductibles define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered would be running into the backend of another car, damage from fire, or theft. The more money the insured has to pay upfront, the less your auto insurance will be on Jetta insurance.
  • Your age impacts your rates – Teenage drivers are statistically proven to be less responsible behind the wheel so auto insurance rates are higher. Having to add a teenage driver to your auto insurance policy can really hurt. Older drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets.
  • Safer cars cost less to insure – Vehicles with good safety scores get lower rates. The safest vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Volkswagen Jetta is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Don’t let your coverage lapse – Driving without insurance is illegal and auto insurance companies will penalize you for letting your insurance expire. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a steep fine or even jail time.You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Do you qualify for a multi-policy discount? – Most insurers will give a discount to people who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to compare rates to ensure the best deal.
  • Do you need the policy add-ons? – There are quite a few extra coverages that can waste your money if you aren’t careful. Coverages like roadside assistance, accident forgiveness and membership fees may be costing you every month. These may sound like a good investment at first, but your needs may have changed so get rid of them and save.
  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.

Discounts can save BIG

Companies don’t always publicize every discount very well, so we researched some of the more common and also the lesser-known car insurance savings.

  • Paperless Signup – Some insurance companies will give a small break for buying a policy and signing up digitally online.
  • Life Insurance – Larger companies have a discount if you purchase life insurance from them.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Multiple Policy Discount – If you have multiple policies with one company you may earn approximately 10% to 15%.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • No Accidents – Claim-free drivers pay much less as compared to drivers who are more careless.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • No Charge for an Accident – A handful of insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way.

Car insurance companies who might offer these money-saving discounts include:

Check with all companies you are considering which discounts they offer. Some discounts may not apply everywhere.

Will just any policy work for me?

When it comes to buying coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

For example, these questions may help you determine whether or not you may require specific advice.

  • What is the rate difference between pleasure use and commuting?
  • Where can I find high-risk insurance?
  • Is my custom paint covered by insurance?
  • Is a blown tire covered by insurance?
  • Does coverage extend to my business vehicle?
  • Is my ex-spouse still covered by my policy?
  • Can my babysitter drive my car?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Specific coverages for a 1996 Volkswagen Jetta

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive insurance – This 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 like a tree branch falling on your vehicle, hitting a bird, vandalism, a broken windshield and damage from flooding. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – This coverage covers damage to your Jetta resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like backing into a parked car, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Liability coverage – This will cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from legal claims by others, 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. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as legal defense fees, attorney fees and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for bills for nursing services, ambulance fees, rehabilitation expenses and hospital visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Volkswagen Jetta.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Don’t be a big spender

When shopping online for insurance, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where an insured cut uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at a price you can afford while still protecting your assets.

Insureds switch companies for a number of reasons such as policy non-renewal, poor customer service, not issuing a premium refund and even delays in paying claims. It doesn’t matter what your reason, finding the right insurance provider is easier than you think.

Throughout this article, we presented many tips how you can lower your 1996 Volkswagen Jetta insurance rates. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. You may even find the best prices are with a small mutual company.

Other resources