Cheaper 1999 Volkswagen Jetta Insurance Quotes

Looking for better auto insurance rates for your Volkswagen Jetta? Expensive auto insurance can take a big chunk out of your savings account, especially in this economy. Comparing price quotes is a smart way to help make ends meet.

You have multiple auto insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, lots of choices makes it harder to compare company pricing.

Discounts to lower Volkswagen Jetta insurance rates

Car insurance can cost a lot, but you may find discounts that many people don’t even know exist. Some trigger automatically when you complete an application, but some may not be applied and must be specially asked for before you will receive the discount.

  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Homeowners Pay Less – Owning a home can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The discount lasts until age 25.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Drive Less and Save – Keeping the miles down on your Volkswagen can qualify you for discounted rates on garaged vehicles.
  • Defensive Driver – Successfully completing a defensive driving course can save you 5% or more if you qualify.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Early Signing – A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most cut individual premiums such as liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, you’re out of luck. But all discounts will reduce the cost of coverage.

Car insurance companies that may have these money-saving discounts are:

Before buying, ask each insurance company which discounts they offer. Some discounts may not apply in your state.

Cheap Insurance Comparisons

Comparing insurance rates can take time and effort if you don’t utilize the most efficient way. You can spend countless hours driving to local insurance agents in your area, or you could use online quoting to get prices fast.

All the larger companies take part in a program where insurance shoppers submit their information once, and each company then gives them pricing based on that information. This saves time by eliminating repetitive form submissions for each company. To compare 1999 Volkswagen Jetta rates now click here to start a free quote.

The only drawback to using this type of form is that consumers can’t choose which companies to receive prices from. So if you want to choose individual companies to receive pricing from, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just ensure you’re using apples-to-apples coverage information for every quote you compare. If you enter different deductibles then you won’t be able to truly determine the lowest rate. Having just a slight variation in insurance coverages may result in large price differences. Just keep in mind that comparing a large number of companies will enable you to find a better price.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For example, these questions might help in determining whether your personal situation may require specific advice.

  • Are split liability limits better than a combined single limit?
  • Is a new car covered when I drive it off the dealer lot?
  • Does insurance cover damages from a DUI accident?
  • When should I not file a claim?
  • I don’t drive much so do I pay less?
  • Does my 1999 Volkswagen Jetta qualify for pleasure use?
  • When would I need additional glass coverage?
  • Does coverage extend to a rental car in a foreign country?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Car insurance coverage considerations

Understanding the coverages of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most car insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Volkswagen Jetta.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability car insurance

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

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see 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 repair costs for stationary objects, attorney fees, pain and suffering and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, damage from a tornado or hurricane, a tree branch falling on your vehicle and theft. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like dental work, doctor visits, X-ray expenses, EMT expenses and nursing services. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision insurance

Collision coverage pays for damage to your Jetta resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sideswiping another vehicle, backing into a parked car, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Be a penny pincher

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. There have been many cases where an insured dropped physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

You just learned many ideas to get a better price on 1999 Volkswagen Jetta insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the lowest premiums are with the least-expected company. These smaller insurers may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.

More detailed insurance coverage information can be found in the articles below: