1993 Volkswagen Jetta Insurance Rates

Buying the most affordable car insurance over the internet can seem to be intimidating for consumers not familiar with price shopping online. With such a large number of choices, how can consumers even start to compare the different rates to find the cheapest available price?

Finding Auto Insurance

There are several ways to compare rate quotes and find the best price. The simplest method to find the cheapest 1993 Volkswagen Jetta insurance rates consists of shopping online. This can be accomplished in several different ways.

The most efficient way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This form keeps you from doing repetitive form submissions to each individual auto insurance company. One simple form gets rate comparisons from multiple companies. This is by far the quickest method.

A more time consuming way to obtain and compare quotes online requires a trip to each company website to complete their respective quote request forms. For sake of this example, let’s say you want rates from USAA, State Farm and GEICO. To find out each rate you need to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just ensure you are comparing identical coverage information with each company. If each company quotes mixed coverages it’s not possible to determine the lowest rate for your Volkswagen Jetta. Quoting even small variations in insurance coverages can result in a big premium difference. And when comparing auto insurance rates, know that more quotes provides better odds of finding better pricing.

These discounts can lower your rates

Companies that sell car insurance don’t list every discount in an easy-to-find place, so we break down some of the best known and the harder-to-find discounts you could be receiving.

  • Accident Forgiveness – Certain companies will forgive one accident before your rates go up if you are claim-free for a set time period.
  • Distant Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Volkswagen could qualify for a substantially lower rate.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Defensive Driver – Completing a course teaching defensive driving skills can save you 5% or more if you qualify.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky.

Car insurance companies who might offer some of the above discounts include:

Check with all companies you are considering which discounts you may be entitled to. Savings might not apply in every state.

Different people need different coverages

When it comes to choosing adequate coverage, there is no “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions might help in determining if your situation might need professional guidance.

  • Should I rate my 1993 Volkswagen Jetta as pleasure use or commute?
  • Why do I only qualify for high-risk insurance?
  • What is covered by UM/UIM coverage?
  • Do all my vehicles need collision coverage?
  • Can I rent a car in Mexico?
  • When should I not file a claim?
  • Can my babysitter drive my car?
  • Do I have coverage if my license is suspended?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverage information

Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverages – Collision insurance pays for damage to your Jetta resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage – This coverage gives you protection from other drivers when they 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.

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. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability auto insurance – This protects you from damage that occurs to a person or their property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like attorney fees, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as X-ray expenses, nursing services, surgery and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverages – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, hail damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Final considerations

Cheaper 1993 Volkswagen Jetta insurance can be bought from both online companies as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

You just read a lot of information how to get a better price on insurance. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the best prices are with a small local company.

Insureds who switch companies do it for a variety of reasons including denial of a claim, unfair underwriting practices, poor customer service and high rates after DUI convictions. Regardless of your reason for switching companies, switching insurance companies can be easy and end up saving you some money.

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