2002 Volkswagen Jetta Insurance Quotes – 8 Tricks for Best Rates

Consumers have lots of choices when looking for the lowest priced Volkswagen Jetta insurance. They can either waste time driving around getting price quotes or save time using the internet to find the lowest rates. There is a right way and a wrong way to buy car insurance so you’re going to learn the absolute fastest way to price shop coverage for your Volkswagen and locate the best price possible.

Consumers need to price shop coverage every six months because insurance rates are adjusted regularly by insurance companies. Just because you found the best rates on Jetta insurance a few years ago there is a good chance you can find better rates now. So just block out anything you think you know about car insurance because you’re going to get a crash course in the tricks you need to know to save money, get proper coverage and the best rates.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these methods. Drivers just need to understand the best way to get comparison rates over the internet.

Cut prices on 2002 Volkswagen Jetta insurance

Companies that sell car insurance do not list every available discount very clearly, so we break down some of the best known as well as the least known ways to save on car insurance. If you’re not getting every credit available, you’re just leaving money on the table.

  • Low Mileage – Keeping the miles down on your Volkswagen can earn a substantially lower rate.
  • E-sign – Certain companies give back up to $50 simply for signing online.
  • Sign Early and Save – A few companies offer discounts for buying a policy before your current expiration date. It can save you around 10%.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Jetta insurance than their less cautious counterparts.
  • Life Insurance – Select insurance companies reward you with better rates if you take out life insurance.
  • No Claims – Good drivers with no accidents can earn big discounts as compared to frequent claim filers.
  • Use Seat Belts – Requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.

Consumers should know that most discounts do not apply to the entire policy premium. Some only apply to specific coverage prices like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of insurance companies offering car insurance discounts, follow this link.

Insurance coverage myths debunked

Consumers constantly see and hear ads for cheaper car insurance by State Farm, GEICO and Progressive. They all seem to make an identical promise of big savings if you switch to their company.

How can each company make the same claim?

All the different companies have a certain “appetite” for the driver that makes them money. A good example of a preferred risk might be between the ages of 30 and 50, has no tickets, and has great credit. A customer who matches those parameters is entitled to the best price and most likely will save a lot of money.

Potential customers who don’t qualify for these standards must pay higher premiums and this can result in business going elsewhere. The ad wording is “people who switch” but not “drivers who get quotes” save that much money. This is how companies can state the savings. This illustrates why it’s extremely important to quote coverage with many companies. It’s just too difficult to predict which insurance coverage company will fit your personal profile best.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight if your situation would benefit from an agent’s advice.

  • What exactly is covered by my policy?
  • Do all my vehicles need collision coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is business property covered if stolen from my car?
  • Is my babysitter covered when using my vehicle?
  • Is my ex-spouse still covered by my policy?
  • When do I need to add a new car to my policy?
  • How much liability coverage do I need in my state?
  • Should I have combined single limit or split liability limits?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

Auto insurance policy coverages for a Volkswagen Jetta

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Auto collision coverage

This coverage covers damage to your Jetta resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, a broken windshield, a tree branch falling on your vehicle and fire damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from legal claims by others. It does not 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. As an example, you may have limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as bail bonds, loss of income, legal defense fees and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like EMT expenses, ambulance fees, doctor visits and prosthetic devices. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

In Summary

We’ve covered some good ideas how to get a better price on 2002 Volkswagen Jetta insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the best prices are with a smaller regional carrier.

Low-cost insurance is available on the web in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

As you prepare to switch companies, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

Helpful learning opportunities