2004 Volkswagen Jetta Insurance Cost – 9 Discounts for Best Prices

Looking for cheaper auto insurance rates for your Volkswagen Jetta? Comparing car insurance rates is not something people look forward to, but unfortunately it’s required for every vehicle.

If you currently have car insurance, you will be able to save some money using these tips. Locating affordable coverage can be fairly easy. But car owners need to have an understanding of the way companies price online insurance because it can help you find the best coverage.

How to reduce 2004 Volkswagen Jetta insurance rates

The cost of insuring your cars can be expensive, but you may find discounts that you may not know about. Certain discounts will be applied when you purchase, but a few need to be specially asked for before they will apply.

  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Low Mileage – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Defensive Driver – Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Sign Online – Some insurance companies will give a small break for buying your policy online.
  • Own a Home – Owning a home can help you save on car insurance because maintaining a house shows financial diligence.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can get savings of up to 25% or more.
  • Multi-car Discount – Insuring more than one vehicle with the same company may reduce the rate for each vehicle.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates for Jetta insurance than their less cautious counterparts.

Keep in mind that most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way. But all discounts will reduce your overall premium however.

A partial list of companies that may have these benefits are:

Double check with every prospective company what discounts are available to you. All car insurance discounts might not be offered everywhere.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Are my friends covered when driving my 2004 Volkswagen Jetta?
  • What is no-fault insurance?
  • Does my insurance cover my expensive audio equipment?
  • Is motorclub coverage worth it?
  • What is medical payments coverage?
  • Do all my vehicles need collision coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Don’t listen to company ads

Companies like Progressive, Allstate and GEICO consistently run ads on television and other media. All the ads make an identical promise about savings if you change to their company. But how can every company make almost identical claims? This is how they do it.

Different companies have a preferred profile for the driver that is profitable for them. For instance, a driver they prefer could possibly be between 25 and 40, is a homeowner, and drives newer vehicles. A propective insured who fits that profile is entitled to the best price and therefore will save when they switch companies.

Drivers who fall outside the requirements will be quoted a higher premium which leads to business not being written. The ad wording is “customers who switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can confidently claim big savings.

This emphasizes why you should get a wide range of price quotes. You cannot predict the company that will have the lowest Volkswagen Jetta insurance rates.

Auto insurance 101

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like EMT expenses, rehabilitation expenses, nursing services and chiropractic care. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverages – Collision insurance pays for damage to your Jetta caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as driving through your garage door, scraping a guard rail, colliding with another moving vehicle, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2004 Volkswagen Jetta.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, theft and damage from flooding. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability – This coverage protects you from damages or injuries you inflict on a person or their property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as structural damage, medical expenses, pain and suffering and medical services. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Feed the piggy bank

You just learned many ideas to shop for 2004 Volkswagen Jetta insurance online. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. You may even find the most savings is with an unexpected company.

Cheaper insurance is available on the web in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

Drivers who switch companies do it for a number of reasons such as being labeled a high risk driver, lack of trust in their agent, an unsatisfactory settlement offer and even denial of a claim. It doesn’t matter why you want to switch finding a new company is actually quite simple.

More learning opportunities