2002 Volkswagen Jetta Car Insurance Cost

I can’t think of a single person who looks forward to paying for insurance coverage, particularly when their premiums are too high.

Having so many insurance providers from which to choose, it’s difficult to pick the most cost effective provider.

It is always a good idea to price shop coverage once or twice a year because prices change quite often. Even if you got the lowest price on Jetta insurance a year ago you can probably find a better price now. Don’t believe everything you read about insurance coverage online but I’m going to show you some guaranteed methods to slash your insurance coverage rates.

Finding affordable protection can be fairly easy. In a nutshell, anyone who is required by state law to have insurance should be able to cut their insurance bill. Although drivers must know the way insurance companies sell insurance online because it can help you find the best coverage.

Finding Car Insurance Deals

To find the best car insurance prices, there are several ways to get quotes from different insurance companies. The easiest way by far to find the lowest 2002 Volkswagen Jetta rates is to perform an online rate comparison. This is very easy and can be done in several different ways.

The single most time-saving way consumers can analyze rates is a comparison rater form click to view form in new window. This form prevents you from having to do repetitive form entry for every car insurance company. Filling out one form gets you coverage quotes from car insurance companies with the best prices.
A more time consuming way to shop for car insurance online is going to the website of each company to complete their respective quote request forms. For example, let’s say you want to compare State Farm, 21st Century and Allstate. To find out each rate you need to go to every website and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
The least efficient method of comparing rate quotes is to spend your day driving to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you prefer the professional advice that only a license agent can provide. It is possible to comparison shop online but buy from a local insurance agent. We’ll cover that shortly.

It’s up to you how you get prices quotes, just be sure to compare the exact same coverages and limits on every quote. If the quotes have unequal deductibles or liability limits it will be very difficult to make a fair comparison for your Volkswagen Jetta. Having just a slight variation in limits can make a big difference in price. And when price shopping your coverage, obtaining a wide range of quotes provides better odds of finding a better price.

Your personal situation dictates your coverage

When it comes to buying adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions could help you determine if your insurance needs may require specific advice.

Does my 2002 Volkswagen Jetta qualify for pleasure use?
Do I have coverage when using my vehicle for my home business?
Does coverage extend to Mexico or Canada?
Is there coverage for injuries to my pets?
How much underlying liability do I need for an umbrella policy?
Should I have combined single limit or split liability limits?
When does my teenage driver need to be added to my policy?

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

Car insurance coverage basics

Having a good grasp of car insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverage types offered by car insurance companies.

Liability

Liability insurance protects you from injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as court costs, pain and suffering, bail bonds and attorney fees. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses like ambulance fees, surgery and dental work. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, a tree branch falling on your vehicle, hail damage and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage 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 coverage pays for claims like sideswiping another vehicle, sustaining damage from a pot hole, crashing into a building, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.