View 2000 Volkswagen Jetta Car Insurance Quotes

Searching for cheaper car insurance rates for your Volkswagen Jetta? Nobody I know looks forward to paying for car insurance, especially when the cost is too high.

Insurance companies such as Geico, 21st Century and Progressive constantly bombard you with fancy advertisements and consumers find it hard to see past the corporate glitz and effectively compare rates to find the best deal.

Save on 2000 Volkswagen Jetta insurance

Car insurance companies do not advertise every available discount very well, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using.

  • Club Memberships – Affiliation with certain professional organizations may earn a discount when buying insurance coverage on Jetta coverage.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of 20% or more.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Bundle and Save – If you have multiple policies with the same company you will save up to 20% off your total premium.

Consumers should know that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of companies with discount insurance coverage rates, click here to view.

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions could help you determine whether or not you could use an agent’s help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I afford to pay high deductible claims out of pocket?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my teenager covered with friends in the car?
  • Is my cargo covered for damage or theft?
  • How can I force my company to pay a claim?
  • Should I buy additional glass protection?
  • Does medical payments coverage apply to all occupants?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Is there truth in advertising?

21st Century, Allstate and State Farm continually stream ads on television and other media. All the companies make an identical promise about savings after switching to them. How do they all make the same claim? It’s all in the numbers.

All the different companies have a preferred profile for the type of driver that earns them a profit. For instance, a desirable insured might be profiled as between 30 and 50, has no tickets, and has great credit. A driver who meets those qualifications gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who don’t meet this ideal profile will be charged higher rates and ends up with business not being written. The ads say “people who switch” not “people who quote” save that kind of money. This is how companies can truthfully state the savings. That is why you absolutely need to get as many comparisons as possible. It’s just too difficult to predict the company that will fit your personal profile best.

Car insurance coverages for a 2000 Volkswagen Jetta

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, damage from flooding, vandalism, damage from a tornado or hurricane and hitting a bird. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance will pay to fix damage to your Jetta caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, crashing into a ditch, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Liability coverage

Liability coverage will cover damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like funeral expenses, structural damage, loss of income, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like prosthetic devices, funeral costs, dental work and nursing services. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Make an honest buck

When you buy insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped liability coverage limits only to discover later that it was a big mistake. The aim is to get the best coverage possible at a price you can afford while still protecting your assets.

Cheaper 2000 Volkswagen Jetta insurance is available on the web as well as from independent agents, so compare prices from both to have the best rate selection. Some insurance providers don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

To learn more, feel free to browse the articles below: