1994 Volkswagen Jetta Car Insurance Quotes

People who are new to comparison shopping online will find shopping for affordable auto insurance very challenging.

Consumers should take time to do rate comparisons on a regular basis because prices go up and down regularly. Despite the fact that you may have had the best price for Jetta coverage a year ago a different company probably has better rates today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to one of the best ways to properly buy coverages while reducing your premium.

Finding Insurance

Most companies such as Progressive, GEICO, Allstate and State Farm quote coverage price quotes on their websites. Getting online rates is fairly straightforward as you simply type in the coverage amounts you desire into the quote form. When the form is submitted, the system makes automated requests for your driving record and credit report and generates pricing information based on these factors.

This simplifies rate comparisons, but the time required to go to multiple sites and complete many quote forms can get tiresome after awhile. But it’s very important to perform this step if you want to find the lowest insurance rates.

Isn’t there an easier way to compare rates?

An easier way to find lower prices uses one form that analyzes rates from many companies. The form is fast, requires less work, and makes rate comparisons a little more enjoyable. After sending the form, it is quoted and you can select any or none of the quotes returned. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. This process takes 15 minutes at the most and can result in significant savings.

To quickly use this form to compare rates, simply click here to open in new window and submit your coverage information. To compare your current rates, we recommend you enter the insurance coverages exactly as they are listed on your policy. Using the same limits helps guarantee you will have an apples-to-apples comparison for similar coverage.

Misconceptions in insurance coverage advertisements

Companies like Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. All the ads make the same claim that you’ll save big if you move your policy. How can each company claim to save you money? This is how they do it.

Different companies are able to cherry pick for the type of driver that is profitable for them. An example of a driver they prefer could be between 25 and 40, owns a home, and has excellent credit. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and therefore will cut their rates substantially.

Potential customers who don’t qualify for this ideal profile will be charged higher prices which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can advertise the savings. That is why you absolutely need to get as many comparisons as possible. It is impossible to predict the company that will provide you with the cheapest Volkswagen Jetta insurance rates.

Volkswagen Jetta rates are complex

Consumers need to have an understanding of the rating factors that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get better auto insurance rates.

  • Pay less if you’re married – Getting married can get you a discount on your policy. It means you’re more responsible and it’s proven that being married results in fewer claims.
  • Keep rates low by being claim-free – Car insurance companies give lower rates to policyholders who file claims infrequently. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for larger claims.
  • Consolidate policies to earn discounts – The majority of auto insurance companies will give a discount to people who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to shop around to confirm you are receiving the best rates possible.
  • Rural vs Urban Areas – Residing in small towns and rural areas can be a good thing when buying auto insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. City drivers tend to have much more traffic to deal with and longer commutes to work. Longer commute distances means higher likelihood of an accident.
  • Drive less and save money – The more miles you rack up on your Volkswagen in a year the higher your rate. Almost all companies apply a rate based on how the vehicle is used. Cars used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your auto insurance policy shows how each vehicle is driven, because it can save money. If your policy improperly rates your Jetta can cost quite a bit.
  • Older drivers save more – Young drivers tend to be less responsible when behind the wheel so auto insurance rates are higher. Older insureds tend to be more responsible, statistically cause fewer accidents and are safer drivers.
  • Don’t let your coverage lapse – Driving your car without having proper coverage can get your license suspended and auto insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, getting caught without coverage may earn you a license revocation or jail time.

Discounts are available to cut your rates

Companies do not list all available discounts in an easy-to-find place, so we researched some of the best known as well as the least known insurance savings.

  • Payment Discounts – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Organization Discounts – Being a member of certain professional organizations could trigger savings when buying insurance for Jetta coverage.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% for Jetta coverage with a few insurance companies.
  • Senior Discount – Mature drivers can possibly qualify for a small decrease in premiums for Jetta coverage.
  • Homeowners Discount – Owning a home may earn you a small savings because maintaining a house shows financial diligence.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Resident Student – Kids in college who are attending college and do not have a car may be able to be covered for less.

It’s important to understand that most discount credits are not given the the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

To see a list of providers with discount insurance rates, click here.

Everyone needs different coverages

When it comes to buying adequate coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions can aid in determining whether you might need an agent’s assistance.

  • Does insurance cover tools stolen from my truck?
  • Should I buy full coverage?
  • Am I getting all the discounts available?
  • Does liability extend to a camper or trailer?
  • What can I do if my company denied a claim?
  • When should my teen driver be added to my policy?
  • Is my state a no-fault state?
  • Do I pay less if my vehicle is kept in my garage?
  • Is a fancy paint job covered?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

Auto insurance coverage information

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive auto insurance – Comprehensive insurance covers 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 things such as damage from flooding, damage from a tornado or hurricane and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for immediate expenses for things like EMT expenses, rehabilitation expenses and prosthetic devices. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage – Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things such as attorney fees, bail bonds, court costs and pain and suffering. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, driving through your garage door, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Volkswagen Jetta.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Find Good Coverage for Less

We covered many tips how you can save on 1994 Volkswagen Jetta insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the biggest savings come from some of the smallest insurance companies.

Lower-priced insurance can be bought on the web as well as from independent agents, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

People switch companies for a number of reasons such as delays in paying claims, extreme rates for teen drivers, policy non-renewal and delays in responding to claim requests. No matter why you want to switch, finding a new company is actually quite simple.

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