2001 Volkswagen Jetta Insurance Rates

Consumers have options when looking for the lowest priced Volkswagen Jetta insurance. You can either waste hours driving around to get rate comparisons or leverage the internet to find the lowest rates. There is a right way and a wrong way to find insurance coverage online so you’re going to learn the absolute fastest way to compare rates for your Volkswagen and get the cheapest rates.

Consumers need to price shop coverage at least once a year since rates change regularly. Even if you got the best rates on Jetta insurance two years ago there may be better deals available now. Forget all the misinformation about insurance coverage because you’re about to find out the right way to eliminate unnecessary coverages and save money.

Finding Car Insurance

Most major insurance companies quote coverage price quotes online. Getting online rates is fairly simple as you simply type in the coverages you want as detailed in the form. When the form is submitted, their system sends out for your credit score and driving record and returns a price.

This simplifies rate comparisons, but having to visit many different websites and fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to perform this step in order to get the lowest price.

The easiest way to lower your car insurance bill makes use of a single form to obtain quotes from many companies. The form is fast, requires much less work on your part, and makes comparison shopping a little more enjoyable. As soon as the form is sent, your coverage is rated and you can choose any or none of the quotes returned. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. It takes 15 minutes at the most and you will find out if you’re overpaying now.

To compare rates using this form now, simply click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you complete the form with the coverages identical to your current policy. Doing this guarantees you’re receiving comparison quotes based on similar coverages.

The fine print in car insurance ads

Consumers get pounded daily by advertisements for car insurance savings from companies such as Geico, State Farm and Progressive. They all say the same thing about savings if you switch your policy.

How does each company claim to save you money? It’s all in the numbers.

Insurance companies have a certain “appetite” for the type of driver they prefer to insure. A good example of a driver they prefer could possibly be between 25 and 40, owns a home, and has a high credit rating. A propective insured that hits that “sweet spot” will get the preferred rates and most likely will save a lot of money.

Drivers who do not match this ideal profile will have to pay higher premiums and ends up with business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save that much. That’s the way companies can state the savings. Because of the profiling, you should get quotes from several different companies. You cannot predict which insurance companies will fit your personal profile best.

Save big with these discounts

Companies don’t list all available discounts in an easy-to-find place, so we break down some of the best known and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Accident Waiver – Certain companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • College Student – Kids in college living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Defensive Driver – Taking a course in driver safety can save you 5% or more if you qualify.
  • Multiple Cars – Buying insurance for all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • 55 and Retired – If you’re over the age of 55, you may receive better auto insurance rates on Jetta insurance.

It’s important to understand that most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.

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

But I don’t know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if you would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • Why does it cost so much to insure a teen driver?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I pay less for low miles?
  • What are the best liability limits?
  • Am I covered when driving someone else’s vehicle?
  • Are my friends covered when driving my car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Information about specific coverages

Knowing the specifics of your car insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Liability auto insurance

Liability insurance will cover damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things like attorney fees, funeral expenses and pain and suffering. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, surgery and hospital visits. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Collision coverage protection

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

Collision coverage protects against claims like sideswiping another vehicle, hitting a mailbox, damaging your car on a curb, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Jetta.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, damage from flooding and hail damage. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

The best insurance company isn’t always the cheapest

We just covered many tips how you can shop for 2001 Volkswagen Jetta insurance online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may even find the biggest savings come from some of the lesser-known companies.

Drivers switch companies for any number of reasons including not issuing a premium refund, an unsatisfactory settlement offer, denial of a claim and delays in paying claims. It doesn’t matter what your reason, choosing a new insurance company is easier than you think.

As you restructure your insurance plan, you should never buy less coverage just to save a little money. There have been many situations where an insured cut comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

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