1995 Volkswagen Jetta Insurance Quotes – 10 Tips to Save

I can’t think of a single person who cherishes buying auto insurance, especially knowing they are paying too much. Having so many companies and agents to choose from, it can be challenging to choose the most cost effective provider.

Consumers need to shop coverage around every six months due to the fact that insurance rates fluctuate regularly. Just because you found the best deal for Jetta insurance a couple years back you can probably find a better price now. So forget anything you know (or think you know) about auto insurance because you’re going to learn one of the easiest ways to lower your annual insurance bill.

Save on 1995 Volkswagen Jetta insurance

Companies offering auto insurance don’t necessarily list all available discounts very well, so we took the time to find both the well known and the more hidden savings tricks you should be using. If you don’t get every credit possible, you’re just leaving money on the table.

  • Own a Home – Being a homeowner can save you money because of the fact that having a home shows financial diligence.
  • Senior Discount – Older drivers may qualify for reduced rates for Jetta insurance.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Jetta insurance than their less cautious counterparts.
  • No Claims – Claim-free drivers can save substantially compared to accident-prone drivers.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Low Mileage Discounts – Keeping the miles down on your Volkswagen could qualify for a substantially lower rate.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% for Jetta insurance with certain companies.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • E-sign – Some insurance companies give back up to $50 simply for signing digitally online.
  • Accident Waiver – Certain companies permit an accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.

It’s important to note that most discounts do not apply the the whole policy. Most only reduce individual premiums such as liability and collision coverage. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way.

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

Check with each insurance company how you can save money. Discounts might not apply in your state.

Compare the Market for Insurance

Finding cheaper 1995 Volkswagen Jetta insurance prices doesn’t have to be difficult. The only thing you need to do is invest a little time to compare rate quotes online with multiple companies. This can be done in several different ways.

  1. The fastest way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do separate quotes for each company you want a rate for. One form will get you price quotes from several companies.
  2. A less efficient way to find lower rates is to take the time to go to the website for every company you want to comare to complete their respective quote request forms. For examples sake, we’ll pretend you want comparison quotes from Nationwide, Farmers and Liberty Mutual. To get each rate you have to visit each site to input your insurance information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but make darn sure you compare identical coverages and limits on every quote you get. If you have different liability limits it’s not possible to make an equal comparison.

Tailor your coverage to you

When it comes to buying the best car insurance coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • When can my company non-renew my policy?
  • What is covered by UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Should I get collision insurance on every vehicle?
  • Do I benefit by insuring my home with the same company?
  • Where can I find high-risk insurance?
  • Am I covered if I break a side mirror?
  • Do I have coverage when pulling a U-Haul trailer?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Specifics of your auto insurance policy

Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average auto insurance policy.

Coverage for collisions

This will pay to fix damage to your Jetta from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses like chiropractic care, pain medications, hospital visits, nursing services and ambulance fees. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Volkswagen Jetta.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, damage from a tornado or hurricane, vandalism, hitting a bird and a broken windshield. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability car insurance

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as emergency aid, repair costs for stationary objects and pain and suffering. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Online plus local equals savings

Lower-priced 1995 Volkswagen Jetta insurance is attainable from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

We just presented a lot of techniques to reduce insurance prices online. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with a smaller regional carrier. Regional companies can often provide lower rates in certain areas than their larger competitors like State Farm and Allstate.

Even more information can be read by following these links: