Compare 2003 Volkswagen Jetta Insurance Quotes

Want cheaper insurance rates for your Volkswagen Jetta? No one in their right mind likes paying for insurance, particularly when their premiums are through the roof. Companies like Geico and Progressive continually hit you with catchy ads and consumers find it hard to ignore the propoganda and find the best price available.

Consumers should take time to take a look at other company’s rates every six months because prices change frequently. Even if you think you had the lowest rates for Jetta coverage a couple years back you can probably find a lower rate today. There is a lot of wrong information about insurance online, so we’re going to give you some proven techniques to slash your insurance rates.

If you have a current insurance policy or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. Choosing the best insurance company for you is not that difficult. Drivers only need to know the tricks to compare price quotes over the internet.

Free Quotes for Insurance

Finding a better price on insurance is actually quite simple. You just need to spend a few minutes comparing rate quotes online with multiple companies. This can be done in just a few minutes using one of these methods.

The single most time-saving way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This type of form eliminates the need for separate quotation requests to each individual insurance company. Just one form gets you price quotes from several companies.
Another way to compare prices requires visiting each company website to complete a price quote. For example, we’ll pretend you want comparison quotes from Nationwide, 21st Century and Progressive. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is quicker.
For a list of links to companies insuring cars in your area, click here.
The least recommended method to compare rates is driving to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you want the professional guidance of a licensed agent. It is possible to get prices online but still have the advice of a local agent and we’ll touch on that later.

Whichever method you choose, ensure you’re using identical coverage information for each price quote. If you enter different liability limits then you won’t be able to find the best deal for your Volkswagen Jetta.

Tailor your coverage to you

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover if you would benefit from an agent’s advice.

Why am I required to buy liability insurance?
Do I have coverage when using my vehicle for my home business?
How do I buy GAP insurance?
Am I covered if I crash into my own garage door?
Should I file a claim if it’s only slightly more than my deductible?
Should I buy additional glass protection?
Is my cargo covered for damage or theft?
What exactly is covered by my policy?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Insurance coverage basics

Learning about specific coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on most insurance policies.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, hitting a bird and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability insurance

This can cover damages or injuries you inflict on other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as attorney fees, bail bonds and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Volkswagen Jetta.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for collisions

Collision insurance pays for damage to your Jetta caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like colliding with a tree, damaging your car on a curb, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like ambulance fees, pain medications, EMT expenses, X-ray expenses and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance 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 but it provides additional coverages not offered by medical payments coverage