2000 Volkswagen Jetta Insurance Quotes – 5 Discounts for Cheaper Rates

Consumers have lots of choices when looking for the lowest priced Volkswagen Jetta insurance. You can either waste hours contacting agents getting price quotes or save time using the internet to get rate quotes. There are both good and bad ways to buy auto insurance so you’re going to learn the quickest way to compare rates for a Volkswagen and locate the cheapest rates either online or from local insurance agents.

Take these five discounts and save

Companies that sell car insurance don’t list every discount in an easy-to-find place, so we took the time to find both well-publicized and the more hidden discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Homeowners Savings – Simply owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • One Accident Forgiven – A handful of insurance companies permit an accident before your rates go up as long as you don’t have any claims prior to the accident.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Air Bag Discount – Factory air bags may earn rate discounts of 20% or more.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. Just because it seems like adding up those discounts means a free policy, you’re out of luck.

Companies that may offer these benefits may include but are not limited to:

It’s a good idea to ask all companies you are considering which discounts they offer. Some discounts may not be available in your area.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Do I need roadside assistance coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Can I afford to buy a different vehicle if my 2000 Volkswagen Jetta is totaled?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I missing any policy discounts?
  • How much liability insurance is required?
  • Do I need added coverage for expensive stereo equipment?
  • What is high-risk coverage and where do I buy it?
  • What exactly is covered by my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Are car insurance companies telling the truth?

Consumers can’t ignore all the ads that promise big savings from the likes of State Farm, GEICO and Progressive. They all seem to say the same thing that you can save after switching your coverage to them.

But how can every company claim to save you money?

All the different companies can use profiling for the type of customer that makes them money. An example of a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and has excellent credit. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and most likely will save when they switch companies.

Consumers who fall outside these standards must pay a higher premium and ends up with the customer not buying. The ads say “customers who switch” but not “drivers who get quotes” save that much money. That is how companies can state the savings. This illustrates why it is so important to get a wide range of price quotes. It is impossible to predict which car insurance company will have the lowest Volkswagen Jetta insurance rates.

Insurance coverage specifics

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Collision coverages – This coverage will pay to fix damage to your Jetta resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like damaging your car on a curb, crashing into a ditch, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Insurance for medical payments – Med pay and PIP coverage provide coverage for expenses like chiropractic care, rehabilitation expenses, surgery and X-ray expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, rock chips in glass and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability – Liability coverage can cover damage that occurs to other people or property. This insurance 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. You commonly see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like medical services, loss of income and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

In conclusion

Consumers change insurance companies for many reasons like high prices, unfair underwriting practices, questionable increases in premium and not issuing a premium refund. It doesn’t matter why you want to switch switching insurance coverage companies can be pretty painless.

As you restructure your insurance plan, do not buy less coverage just to save a little money. In too many instances, consumers will sacrifice full coverage and learned later that it was a big error on their part. Your goal should be to find the BEST coverage at an affordable rate.

You just read quite a bit of information on how to lower your 2000 Volkswagen Jetta insurance rates. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may even discover the lowest premiums are with a small mutual company.

To learn more, feel free to browse the resources below: