1998 Volkswagen Jetta Insurance Rates

Sick and tired of being strong-armed each month for car insurance? You’re in the same situation as many other consumers. Because there are so many companies to choose from, it can be impossible to pick the right provider.

It’s a good idea to compare rates occasionally due to the fact that insurance rates change regularly. Despite the fact that you may have had the best rates for Jetta insurance last year you can probably find a lower rate today. So forget anything you know (or think you know) about auto insurance because you’re going to learn how to use the internet to reduce your cost while increasing coverage.

This information will familiarize you with the most effective way to quote insurance and some money-saving tips. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. Drivers just need to learn the proper methods to get comparison quotes online.

Car Insurance Quote Comparison

There are a variety of methods you can shop for 1998 Volkswagen Jetta car insurance and some are less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with agents in your area, or you could save time and use the web to get pricing more quickly.

Most of the best insurance companies enroll in a system that enables customers to complete one form, and each company can provide price quotes. This prevents consumers from doing form submissions for each company you want a rate for. To fill out one form to compare multiple rates now click here to open in new window.

The one downside to using this type of form is you can’t choose which carriers to receive prices from. If you would rather choose from a list of companies to request quotes from, we have a listing of car insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you’re using apples-to-apples coverages for every company. If you use unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best.

Best discounts on 1998 Volkswagen Jetta coverage

Insurance can cost an arm and a leg, but you can get discounts to help offset the cost. Some discounts apply automatically at quote time, but less common discounts must be inquired about prior to getting the savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

• Early Signing – Select companies give a discount for signing up before your current policy expires. This can save 10% or more.
• Multiple Vehicles – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
• Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for Jetta insurance.
• Club Memberships – Belonging to certain professional organizations could trigger savings on auto insurance for Jetta insurance.
• Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
• Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
• Discount for New Cars – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
• Student in College – Youth drivers living away from home attending college without a vehicle on campus may qualify for this discount.
• Drivers Ed for Students – Have your child enroll in driver’s education in school.

It’s important to understand that most credits do not apply the the whole policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, it just doesn’t work that way. But all discounts will cut your overall premium however.

For a list of insurers with the best auto insurance discounts, follow this link.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique so your insurance needs to address that. These are some specific questions can help discover whether you would benefit from an agent’s advice.

• Is upholstery damage covered by car insurance?
• Do I need rental car coverage?
• Who is covered when they drive my 1998 Volkswagen Jetta?
• What is the ISO rating for a 1998 Volkswagen Jetta?
• When would I need additional glass coverage?
• What is covered by UM/UIM coverage?
• Do I need more liability coverage?
• How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance policy coverages for a 1998 Volkswagen Jetta

Having a good grasp of a insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most insurance policies.

Auto liability insurance – This will cover damage that occurs to a person or their property that is your fault. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like funeral expenses, loss of income, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for chiropractic care, dental work and rehabilitation expenses. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverages – Collision insurance will pay to fix damage to your Jetta from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like damaging your car on a curb, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, a tree branch falling on your vehicle, damage from a tornado or hurricane and a broken windshield. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.