1991 Volkswagen Jetta Insurance Cost – 10 Ideas for Best Prices

Want the cheapest insurance rates for your Volkswagen Jetta? Are you tired of being strong-armed to insure your Volkswagen every month? You are in the same boat as many other consumers. There are many insurance companies to insure vehicles with, and although it’s nice to have multiple companies, so many choices can make it hard to compare rates.

How to Buy Auto Insurance Online

Finding lower auto insurance rates is not rocket science. Just spend a few minutes comparing price quotes from different insurance companies. This is very easy and can be done using a couple different methods.

  1. The easiest and least time consuming way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This method keeps you from doing separate quote forms for each company you want a rate for. Taking the time to complete one form will return quotes direct from many companies.
  2. A slightly less efficient method to get quotes online is to take the time to go to each individual company website to complete a price quote. For sake of this example, let’s assume you want rates from Nationwide, GEICO and Farmers. To get each rate you have to go to every website and enter your information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The least recommended method of comparing rate quotes is driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you require the personal advice only provided by licensed agents. However, consumers can price shop online but still have the advice of a local agent.

It’s up to you how you get prices quotes, just be sure to compare exactly the same quote information with each company. If you compare unequal deductibles or liability limits it will be very difficult to decipher which rate is best.

The fine print in car insurance ads

Consumers can’t get away from ads for cheaper car insurance by State Farm and Allstate. They all seem to have a common claim that you’ll save big if you switch to their company.

How can each company make almost identical claims? It’s all in the numbers.

Insurance companies are able to cherry pick for the driver that is profitable for them. For instance, a preferred risk might be profiled as between the ages of 30 and 50, has no tickets, and has excellent credit. A propective insured that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save a lot of money.

Drivers who fall outside these standards must pay higher rates and this can result in business going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save that much. That’s the way companies can truthfully make the claims of big savings.

This illustrates why you absolutely need to get as many comparisons as possible. It’s just too difficult to predict which insurance companies will provide you with the cheapest Volkswagen Jetta insurance rates.

Discounts to lower 1991 Volkswagen Jetta insurance rates

Car insurance can cost a lot, but there could be available discounts to reduce the price significantly. A few discounts will automatically apply at the time of quoting, but lesser-known reductions have to be requested specifically before you get the savings. If you don’t get every credit you deserve, you are throwing money away.

  • Bundle and Save – When you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Air Bag Discount – Factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Life Insurance Discount – Some companies give better rates if you take out auto and life insurance together.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off for Jetta coverage with a few car insurance companies.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Jetta coverage than drivers with accidents.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Multiple Cars – Insuring all your vehicles on one policy can get a discount on all vehicles.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will reduce your premiums.

Car insurance companies that possibly offer these benefits include:

Before buying, ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not apply in your area.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that could help you determine if you may require specific advice.

  • Is my teenager covered with friends in the car?
  • Am I covered when using my vehicle for business?
  • Am I getting all the discounts available?
  • Does my policy cover my teen driver if they drive my company car?
  • Why do I need rental car insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I have coverage when pulling a U-Haul trailer?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your auto insurance policy

Knowing the specifics of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average auto insurance policy.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for expenses like rehabilitation expenses, X-ray expenses, surgery, prosthetic devices and hospital visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle, hail damage and rock chips in glass. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Volkswagen Jetta.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as attorney fees, medical expenses, pain and suffering, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Collision insurance

Collision insurance covers damage to your Jetta resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as sustaining damage from a pot hole, colliding with another moving vehicle, backing into a parked car, damaging your car on a curb and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Stretch your dollar

We just presented a lot of information how to compare 1991 Volkswagen Jetta insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the lowest premiums are with a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed collision coverage and discovered at claim time that the savings was not a smart move. Your focus should be to purchase plenty of coverage for the lowest price while still protecting your assets.

Cheap insurance is definitely available on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

More detailed auto insurance information is available in these articles: