Cheaper 1992 Volkswagen Jetta Insurance Cost

Looking for lower auto insurance rates for your Volkswagen Jetta? Are you confused by the sheer number of auto insurance company choices? You have a lot of company. People have so many options that it can turn into a real challenge to find the best price.

Take advantage of discounts

Companies do not list all available discounts in an easy-to-find place, so here is a list both the well known and the harder-to-find discounts you could be receiving.

  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Low Mileage – Fewer annual miles on your Volkswagen could be rewarded with better rates on cars that stay parked.
  • Resident Student – Kids in college who live away from home and don’t have a car can be insured at a reduced rate.
  • No Accidents – Good drivers with no accidents pay less when compared with bad drivers.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Jetta coverage with certain companies.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates for Jetta coverage than drivers with accidents.

Keep in mind that most discount credits are not given the the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.

A partial list of companies that may offer some of the above discounts include:

Check with each company what discounts are available to you. Discounts may not be available everywhere.

How to know if you need help

When it comes to choosing the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions can aid in determining if you would benefit from an agent’s advice.

  • How can I get my company to pay me more for my totalled car?
  • Do all my vehicles need collision coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my babysitter covered when using my vehicle?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered if I wreck a rental car?
  • Am I getting all the discounts available?
  • Am I covered if I drive in a foreign country?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form.

Are car insurance companies telling the truth?

Car insurance providers like Allstate and Progressive continually stream ads on TV and radio. They all say the same thing about savings after switching your policy. How can each company make almost identical claims?

All companies have a preferred profile for the type of customer that is profitable for them. For instance, a profitable customer could possibly be over the age of 50, is a homeowner, and drives less than 7,500 miles a year. A customer that hits that “sweet spot” gets the lowest rates and therefore will save when switching.

Consumers who fall outside the “perfect” profile will be quoted a more expensive rate and ends up with business going elsewhere. The ads say “people who switch” not “everybody who quotes” save that much money. That is how companies can claim big savings. This emphasizes why you need to get as many quotes as possible. Because you never know which car insurance company will fit your personal profile best.

Learn about insurance coverages for a Volkswagen Jetta

Learning about specific coverages of insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive protection

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, damage from a tornado or hurricane, damage from flooding, vandalism and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance

Liability coverage can cover injuries or damage you cause to a person or their property. It protects you against claims from other people, and 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 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as emergency aid, attorney fees, structural damage, loss of income and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for expenses for things like EMT expenses, prosthetic devices and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Volkswagen Jetta.

Since a lot of 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.

Collision insurance

Collision coverage pays for damage to your Jetta from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, backing into a parked car, rolling your car, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

A fool and his money are soon parted

We just covered quite a bit of information on how to get a better price on 1992 Volkswagen Jetta insurance. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the best price on insurance is with a small local company.

Insureds who switch companies do it for a number of reasons such as high prices, high rates after DUI convictions, lack of trust in their agent and even delays in responding to claim requests. Regardless of your reason for switching companies, finding a great new company can be pretty painless.

As you restructure your insurance plan, make sure you don’t skimp on coverage in order to save money. There have been many cases where an insured dropped full coverage only to regret they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Additional information is located at these links: