Cheaper 1997 Volkswagen Jetta Insurance Quotes

Searching for cheaper insurance rates for your Volkswagen Jetta? No one in their right mind looks forward to paying for insurance, especially knowing they are paying too much.

You have multiple insurers to pick from, and even though it’s nice to have a choice, it makes it harder to compare company pricing.

Finding the best rates is easy if you know what you’re doing. Just about every vehicle owner who has to buy insurance should be able to save money. Although vehicle owners must learn the way companies price insurance differently and use this information to your advantage.

Discounts are great for lower rates

Auto insurance companies don’t list every discount very well, so the following is a list of both the well known and the more hidden auto insurance savings.

  • Use Seat Belts – Drivers who require all occupants to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Safe Drivers – Insureds without accidents may save up to 50% more for Jetta insurance than less cautious drivers.
  • Safety Course Discount – Successfully completing a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Paperless Signup – Certain companies give back up to $50 simply for signing over the internet.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for a discount up to 10% for Jetta insurance.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Jetta insurance with select insurance companies.

It’s important to note that most discounts do not apply the the whole policy. The majority will only reduce individual premiums such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

Companies that may have some of the above discounts include:

Double check with each company which discounts they offer. Discounts may not apply in your area.

Cheap Car Insurance Comparisons

When shopping for car insurance there are multiple ways of comparing price quotes from car insurance companies in your area. The recommended way to find competitive 1997 Volkswagen Jetta insurance rates consists of obtaining rate quotes online. This is very easy and can be done in a couple of different ways.

  • The single most time-saving way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This easy form eliminates the need for separate quotes for each company you want a rate for. In just a few minutes this one form gets rate comparisons from many national carriers.
  • A different way to find lower rates consists of going to each individual company website to complete a price quote. For examples sake, let’s assume you want rates from Auto-Owners, Farmers and GMAC. To find out each rate you need to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

However you get your quotes, compare identical quote information for each comparison quote. If you use unequal deductibles or liability limits then you won’t be able to decipher which rate is best. Slightly different insurance coverages may result in large price differences. Keep in mind that more quotes will increase your chances of finding a better price.

You may need specialized coverage

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that For instance, these questions may help you determine if your insurance needs may require specific advice.

  • How do I file an SR-22 for a DUI in my state?
  • What is UM/UIM insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • Will my rates increase for filing one claim?
  • Do I need motorclub coverage?
  • Is business equipment covered while in my vehicle?
  • Should I rate my 1997 Volkswagen Jetta as pleasure use or commute?
  • Am I covered by my spouse’s policy after a separation?
  • Why do I only qualify for high-risk insurance?
  • What discounts do I qualify for?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

What insurance coverages do you need?

Having a good grasp of a insurance policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types available from insurance companies.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for bills for X-ray expenses, EMT expenses and prosthetic devices. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as rolling your car, crashing into a ditch, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Volkswagen Jetta.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, hitting a bird, a broken windshield and fire damage. 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.

Liability insurance – This coverage provides protection from damage that occurs to other’s property or people in an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like repair bills for other people’s vehicles, attorney fees, bail bonds, emergency aid and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

A fool and his money are soon parted

In this article, we covered a lot of ways to save on 1997 Volkswagen Jetta insurance. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even discover the most savings is with the smaller companies. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

Lower-priced insurance is attainable online as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

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