View 1997 Volkswagen Jetta Insurance Quotes

Looking for better insurance rates for your Volkswagen Jetta? Finding better insurance prices for a Volkswagen Jetta could be a lot of work, but you can use these tips to save time. There is a better way to compare insurance rates and we’ll show you the best way to get price quotes for a Volkswagen and obtain the lowest price from local insurance agents and online providers.

How to Get Insurance

Reducing your 1997 Volkswagen Jetta insurance rates can be surprisingly simple. Consumers just need to invest a few minutes getting comparison quotes online from several insurance companies. This can be done in several different ways.

1. The best way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This type of form keeps you from doing a different quote to each individual insurance company. One form submission will get you rate comparisons from multiple companies. Recommended for those who want to invest the least amount of time.
2. A harder way to get comparison quotes is spending the time to visit the website of each company to complete their respective quote request forms. For sake of this example, let’s assume you want to compare Allstate, 21st Century and GEICO. To get each rate you have to go to every website and enter your policy data, and that’s why the first method is more popular.

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

However you get your quotes, be sure to compare apples-to-apples information for every company. If you compare different values for each quote it’s not possible to determine the best price for your Volkswagen Jetta.

Insurance agents can help

When buying coverage for your vehicles, there is no single plan that fits everyone. Every situation is different.

These are some specific questions might help in determining if your situation might need an agent’s assistance.

• When can I cancel my policy?
• Is there coverage for injuries to my pets?
• Is a fancy paint job covered?
• Which is better, split liability limits or combined limits?
• Why am I be forced to buy a membership to get insurance from some companies?
• Where can I get insurance after a DUI in my state?
• What is the rate difference between pleasure use and commuting?
• Can I rate high risk drivers on liability-only vehicles?
• Is a blown tire covered by insurance?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Auto insurance 101

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for collisions

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

Collision coverage pays for things like crashing into a ditch, driving through your garage door, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, theft and hail damage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability

This can cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against claims from other people, 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 liability 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 a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as emergency aid, repair bills for other people’s vehicles, legal defense fees, court costs and attorney fees. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for expenses for things like chiropractic care, surgery, rehabilitation expenses and ambulance fees. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.