1999 Volkswagen Jetta Insurance Rates – 9 Savings Tips

Trying to find the cheapest auto insurance rates? Buyers have a choice when searching for low-cost Volkswagen Jetta insurance. You can either spend your time struggling with agents getting price quotes or use the internet to compare rates.

There are more efficient ways to shop for auto insurance so we’re going to tell you the best way to price shop coverage on a Volkswagen and find the lowest possible price from both online companies and local agents.

The most recommended method to compare insurance rates from multiple companies is to know the trick almost all companies pay for the opportunity to compare rate quotes. To get started, all you need to do is provide details including if you have an active license, your job, if it has an anti-theft system, and driver details. Those rating factors is instantly submitted to insurance carriers in your area and you receive quotes quickly.

Cut prices on 1999 Volkswagen Jetta insurance

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to cut the cost considerably. Some trigger automatically at quote time, but lesser-known reductions have to be manually applied before you get the savings. If you don’t get every credit available, you are paying more than you should be.

  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save up to 15% off the personal injury premium cost.
  • Payment Method – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Own a Home – Owning a house may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
  • Bundle and Save – When you combine your home and auto insurance with the same company you may save at least 10% off all policies.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Jetta insurance than less cautious drivers.
  • Clubs and Organizations – Participating in certain professional organizations is a good way to get lower rates when shopping for car insurance on Jetta insurance.
  • College Student – Children who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.

A little note about advertised discounts, some credits don’t apply the the whole policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will bring down your premiums.

A partial list of companies that possibly offer some of the above discounts are:

Before buying, ask all companies you are considering what discounts are available to you. All car insurance discounts may not be available in your area.

Tailor your coverage to you

When it comes to buying adequate coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions might point out whether your personal situation might need professional guidance.

  • Why am I required to buy liability insurance?
  • What is the ISO rating for a 1999 Volkswagen Jetta?
  • Am I covered if I crash into my own garage door?
  • Do I need roadside assistance coverage?
  • How can I find cheaper teen driver insurance?
  • Do I have newly-aquired coverage?

If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Coverages available on your car insurance policy

Learning about specific coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Coverage for liability

Liability insurance can cover damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like structural damage, bail bonds, funeral expenses, medical services and emergency aid. How much coverage you buy is a personal decision, but buy higher limits if possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for EMT expenses, ambulance fees and prosthetic devices. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision protection

This will pay to fix damage to your Jetta caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, backing into a parked car, colliding with another moving vehicle, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Volkswagen Jetta.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, a broken windshield, damage from a tornado or hurricane, damage from flooding and falling objects. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Compare but don’t skimp

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced liability coverage limits and learned later that they should have had better coverage. Your aim should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

You just read a lot of techniques to compare 1999 Volkswagen Jetta insurance prices online. It’s most important to understand that the more you quote, the better your comparison will be. You may be surprised to find that the best prices are with the least-expected company.

Drivers leave their current company for any number of reasons including questionable increases in premium, policy non-renewal, high prices and even poor customer service. Regardless of your reason for switching companies, switching car insurance companies can be easier than you think.

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