Save on 1998 Volkswagen Jetta Insurance Cost

Want cheaper car insurance rates for your Volkswagen Jetta? I can’t think of anyone who likes paying for car insurance, particularly when the cost is way too high. Companies like Geico, Farmers Insurance and State Farm promote their brand names with catchy ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

How to Compare Insurance Coverage Quotes

Effectively comparing insurance coverage prices can be a lot of work if you don’t utilize the fastest way to get free quotes. You can spend your afternoon talking to insurance agencies in your area, or you could use the internet to quickly compare rates.

Many insurance companies are enrolled in a marketplace where insurance shoppers send in one quote, and at least one company returns a competitive quote for coverage. This prevents consumers from doing quote requests to each company.

To compare 1998 Volkswagen Jetta rates now click here to start a free quote.

The only downside to using this type of system is that you can’t choose which companies to receive prices from. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of the cheapest insurance coverage companies in your area. Click to view list.

Whichever method you choose, compare identical coverage information for every company. If your comparisons have different deductibles it will be next to impossible to determine which rate is truly the best.

Pay less by taking advantage of discounts

The cost of insuring your cars can be expensive, but you can get discounts to help bring down the price. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be inquired about prior to receiving the credit. If you’re not getting every credit you qualify for, you are throwing money away.

  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Low Mileage – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on Jetta insurance depending on your company.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident without raising rates if your claims history is clear for a certain period of time.
  • College Student – Any of your kids who live away from home and do not have a car can receive lower rates.
  • No Claims – Drivers who don’t have accidents pay much less when compared to accident-prone drivers.
  • Paperless Signup – A few companies give back up to $50 for buying a policy and signing up on their website.

Consumers should know that most credits do not apply to the entire cost. Most cut the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will reduce the amount you have to pay.

Car insurance companies that possibly offer these discounts include:

It’s a good idea to ask each company which discounts you may be entitled to. Discounts might not apply in every state.

Your coverage should be tailored to you

When choosing the best car insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • Which is better, split liability limits or combined limits?
  • Why am I required to buy high-risk coverage?
  • How does medical payments coverage work?
  • Am I better off with higher deductibles on my 1998 Volkswagen Jetta?
  • Can my babysitter drive my car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I have coverage when using my vehicle for my home business?
  • Should I buy only the required minimum liability coverage?
  • Am I covered when using my vehicle for business?
  • Do I need an umbrella policy?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Factors determining your Volkswagen Jetta insurance premium

It’s important that you understand the factors that help determine the price you pay for insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to lower insurance prices.

  • Drive a safer car and pay less – Vehicles with good safety scores can get you lower premiums. The safest vehicles have better occupant injury protection and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Volkswagen Jetta scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Your location is important – Choosing to live in small towns and rural areas has it’s advantages when talking about insurance. Less people living in that area means reduced accidents as well as less vandalism and auto theft. Drivers in populated areas have congested traffic and much longer commute distances. More time commuting means more change of being in an accident.
  • Occupation reflects on rates – Careers like lawyers, business owners and dentists tend to pay the highest average rates in part from high stress and lots of time spent at work. Other occupations like farmers, historians and the unemployed have the lowest average rates on Jetta insurance.
  • Mature drivers pay less – Teenage drivers are statistically proven to get distracted easily behind the wheel so insurance rates are higher. Adding a young driver onto a policy can break the bank. Older drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel.

Switch companies and save? Really?

Consumers can’t ignore all the ads for cheaper car insurance from the likes of Allstate and Progressive. They all seem to have a common claim that you’ll save big if you move your coverage to them.

How do they all claim to save you money?

Insurance companies have a certain “appetite” for the right customer that makes them money. A good example of a driver they prefer could be between 30 and 50, a clean driving record, and has a high credit rating. Any new insured that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who do not match this ideal profile will be quoted higher premiums and this can result in the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everybody who quotes” save money. That’s why companies can advertise the savings.

This emphasizes why drivers must compare many company’s rates. It’s impossible to know which company will provide you with the cheapest Volkswagen Jetta insurance rates.

Car insurance coverage information

Knowing the specifics of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.

Uninsured or underinsured coverage

This provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Volkswagen Jetta.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Comprehensive protection

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, falling objects, damage from getting keyed and hitting a bird. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like prosthetic devices, nursing services and EMT expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability coverage will cover damage that occurs to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for 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. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like structural damage, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Collision insurance

Collision coverage covers damage to your Jetta resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Save your cold hard cash

When you buy insurance online, it’s a bad idea to buy less coverage just to save a little money. In too many instances, an accident victim reduced uninsured motorist or liability limits only to find out that the savings was not a smart move. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Throughout this article, we presented some good ideas how to lower your 1998 Volkswagen Jetta insurance rates. The key concept to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as Progressive or Geico.

Even more information can be read by following these links: