Compare 2005 Volkswagen Jetta Insurance Cost

Trying to find cheaper insurance rates for your Volkswagen Jetta? I can’t think of a single person who enjoys paying for insurance, especially when their premiums are through the roof. Drivers have multiple car insurance companies to buy insurance from, and even though it’s nice to have a choice, so many choices can make it hard to find the lowest cost provider.

It’s a great practice to take a look at other company’s rates at least once a year because prices change quite often. Even if you got the best deal on Jetta coverage on your last policy you may be paying too much now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the best way to lower your rates without sacrificing coverage.

Buying car insurance is quite easy. If you have car insurance now, you will most likely be able to reduce your rates substantially using this information. Drivers just need to know the tricks to find the lowest price over the internet.

Low Cost Auto Insurance

Finding a better price on auto insurance can be surprisingly simple. The only requirement is to take a few minutes comparing rate quotes online with multiple companies. This is very easy and can be done in several different ways.

  • The easiest and least time consuming way consumers can analyze rates is a comparison rater form click to view form in new window. This method saves time by eliminating boring form submissions for each company. One simple form gets you price quotes from several companies.
  • A different way to get comparison quotes is to take the time to go to the website for each individual company and complete a new quote form. For sake of this example, let’s say you want to compare Liberty Mutual, Esurance and Allstate. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

However you get your quotes, compare the exact same coverage limits and deductibles for each price quote. If the quotes have different limits and deductibles on each one then you won’t be able to determine which rate is truly the best.

Discounts mean cheaper Volkswagen Jetta insurance rates

Companies offering auto insurance do not advertise all their discounts in an easy-to-find place, so here is a list some of the best known and also the lesser-known insurance coverage savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Senior Discount – If you’re over the age of 55, you may be able to get a discount up to 10% on Jetta coverage.
  • Driver Safety – Taking part in a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% on Jetta coverage with select insurance companies.
  • Organization Discounts – Belonging to a civic or occupational organization could trigger savings when shopping for insurance coverage on Jetta coverage.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Distant Student – Kids in college living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Volkswagen can earn a substantially lower rate.
  • Early Signing – A few companies offer discounts for signing up before your current expiration date. This can save 10% or more.

Consumers should know that some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky.

Car insurance companies who might offer these discounts include:

Before buying, ask each insurance company what discounts are available to you. All car insurance discounts may not be available everywhere.

Volkswagen Jetta premiums are determined by many factors

An important part of buying insurance is that you know the rating factors that come into play when calculating your insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that could result in big savings.

The list below includes some of the factors companies use to determine premiums.

  • Drive a safer car and pay less – Safer cars get lower rates. The safest vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If the Volkswagen Jetta earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Consolidate policies to earn discounts – The majority of insurance companies provide better rates to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even if you’re getting this discount you may still want to shop around to ensure the best deal.
  • Pleasure use saves money – The more miles you rack up on your Volkswagen in a year’s time the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage based upon how you use the vehicle. Autos that are left in the garage qualify for better rates compared to those used for work or business. Verify your insurance policy properly reflects how each vehicle is driven. Incorrect usage on your Jetta may be wasting your money.
  • Males pay more for insurance – Statistics demonstrate that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Both sexes cause accidents at a similar rate, but the men have costlier accidents. Men also statistically receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.

Tailor your coverage to you

When it comes to choosing the best insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might help in determining if your situation would benefit from professional advice.

  • Why does it cost so much to insure a teen driver?
  • When can I cancel my policy?
  • What are the financial responsibility laws in my state?
  • Why do I only qualify for high-risk insurance?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered when driving a rental car?
  • Who is covered when they drive my 2005 Volkswagen Jetta?
  • Do I need roadside assistance coverage?
  • Will my rates increase for filing one claim?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions then you might want to talk 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 can help protect your family.

Save $434 a year? Really?

Consumers can’t ignore all the ads that promise big savings from companies such as State Farm, Allstate and Geico. They all seem to make an identical promise about savings if you move your policy.

But how can every company make the same claim?

All companies have a preferred profile for the type of customer that makes them money. For instance, a profitable customer could possibly be over the age of 40, has no prior claims, and has great credit. A customer who matches those parameters will get very good rates and therefore will pay quite a bit less when switching companies.

Potential insureds who do not match the requirements must pay higher prices which leads to business going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save money. That’s why insurance companies can confidently make the claims of big savings. This illustrates why you should get a wide range of price quotes. It’s impossible to know which company will fit your personal profile best.

Specific coverage details

Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Uninsured or underinsured coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2005 Volkswagen Jetta.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Auto liability insurance

Liability insurance will cover damage that occurs to people or other property. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things like bail bonds, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage reimburse you for short-term medical expenses such as EMT expenses, pain medications, dental work, hospital visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This coverage will pay to fix damage to your Jetta resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, scraping a guard rail, colliding with a tree, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive protection

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, rock chips in glass, hitting a deer and hail damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Money doesn’t grow on trees

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, an insured cut uninsured motorist or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Discount 2005 Volkswagen Jetta insurance is attainable online as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some companies don’t offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

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