Compare 2006 Volkswagen Jetta Insurance Rates

Feel like you’re a prisoner to an underperforming, overpriced insurance policy? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Insurance companies such as Allstate and Progressive constantly bombard you with fancy advertisements and it is difficult to see through the deception and do the work needed to find the best deal.

If you are insured now or are looking for a new policy, you can use these tips to get lower rates and still get good coverage. Finding the best rates is not rocket science. Drivers just need to learn the proper methods to get comparison rates over the internet.

Get lower rates on Volkswagen Jetta insurance

Auto insurance companies do not list every available discount very clearly, so the following is a list of some of the best known as well as the least known ways to save on insurance coverage. If you’re not getting every credit possible, you’re just leaving money on the table.

  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Jetta coverage with certain companies.
  • Accident Free – Claim-free drivers can earn big discounts as compared to drivers who are more careless.
  • Senior Citizens – If you’re over the age of 55, you may be able to get better insurance coverage rates for Jetta coverage.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • One Accident Forgiven – A few companies allow you one accident before raising your premiums if you are claim-free for a set time period.
  • Own a Home – Simply owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.

It’s important to note that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. Just because you may think you could get a free insurance coverage policy, it doesn’t quite work that way.

A partial list of companies that possibly offer some of the above discounts are:

Check with every prospective company how you can save money. Savings may not apply everywhere.

Free Quotes for Insurance Coverage

Effectively comparing insurance coverage prices is a ton of work if you aren’t aware of the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could save time and use the internet to get prices fast.

Most of the best insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and at least one company then returns a price quote based on that data. This system prevents you from having to do quote forms for each company.

To participate in this free quote system, click to open in new window.

One minor caviat to using this type of system is that consumers can’t choose which insurance companies you want to price. So if you want to select specific insurance companies to compare prices, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but ensure you are comparing identical deductibles and coverage limits on every quote you get. If your comparisons have different values for each quote it will be impossible to truly determine the lowest rate.

Tailor your coverage to you

When it comes to choosing coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions might point out if your situation may require specific advice.

  • Should I waive the damage coverage when renting a car?
  • Do I really need UM/UIM coverage?
  • Will my insurance pay for OEM parts?
  • Do I have coverage if my license is suspended?
  • Does coverage extend to Mexico or Canada?
  • Is other people’s property covered if stolen from my vehicle?
  • What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Auto insurance coverages

Learning about specific coverages of insurance can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Auto collision coverage

Collision insurance will pay to fix damage to your Jetta resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability auto insurance

Liability coverage protects you from damage that occurs to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like legal defense fees, medical services, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like chiropractic care, hospital visits, X-ray expenses and prosthetic devices. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, fire damage and hitting a bird. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Affordable insurance is out there

In this article, we presented some good ideas how you can shop for 2006 Volkswagen Jetta insurance online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the most savings is with a small mutual company. They can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or Geico.

As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. There have been many situations where an insured dropped liability limits or collision coverage to discover at claim time they didn’t have enough coverage. The ultimate goal is to buy enough coverage at an affordable rate while still protecting your assets.

Additional insurance coverage information is located below: