View 2008 Volkswagen Jetta Car Insurance Cost

Searching for the cheapest car insurance rates for your Volkswagen Jetta? Finding affordable car insurance can seem to be nearly impossible for consumers not familiar with comparison shopping online. Drivers have so many choices that it can easily become a challenge to locate the lowest price.

You should make it a habit to check car insurance prices every six months because insurance rates trend upward over time. Even if you think you had the best rates for Jetta insurance on your last policy a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because you’re about to learn the quickest way to save money, get proper deductibles and limits, all at the lowest rate.

If you currently have car insurance, you should be able to reduce your rates substantially using these techniques. The purpose of this article is to teach you how to effectively get price quotes. But vehicle owners must know how the larger insurance companies sell online and take advantage of how the system works.

Best discounts on 2008 Volkswagen Jetta coverage

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Some discounts apply automatically at the time of purchase, but some must be specially asked for before you get the savings.

  • Multiple Policy Discount – If you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates for Jetta insurance than their less cautious counterparts.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Accident Free – Drivers who don’t have accidents can save substantially when compared to accident-prone drivers.
  • Safety Course Discount – Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.

It’s important to understand that most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way. But any discount will bring down the cost of coverage.

Car insurance companies that possibly offer these discounts include:

Before buying, ask all companies you are considering what discounts are available to you. Discounts may not apply in your state.

How to Get Insurance Coverage

All major insurance coverage companies like State Farm and Allstate quote pricing directly from their websites. Obtaining pricing is pretty painless as you just type in your personal and coverage information as requested by the quote form. After you submit the form the system collects information on your driving record and credit history and gives you a price quote.

This streamlines rate comparisons, but having to visit each company’s website and repetitively complete many quote forms can be a bit repetitive. But it’s very important to compare as many rates as possible in order to get the lowest insurance coverage rates.

An easier way to find better insurance coverage pricing makes use of a single form that obtains quotes from a bunch of companies at once. It saves time, eliminates repetitive work, and makes price shopping online much more enjoyable and efficient. As soon as you send your information, your coverage is rated and you are able to buy your choice of the price quotes you receive.

If the quotes result in lower rates, it’s easy to complete the application and buy the policy. This process just takes a couple of minutes and you will know how your current rates stack up.

In order to find out how much you’re overpaying now, click here and input your coverage information. If you have your current policy handy, we recommend you complete the form with the insurance coverages as shown on your current policy. This makes sure you will get a fair comparison based on identical coverages.

Why your Volkswagen Jetta insurance rates may be high

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for insurance. When you know what positively or negatively determines base rates helps enable you to make changes that will entitle you to lower insurance prices.

Shown below are a partial list of the pieces that factor into prices.

  • More people means more accidents – Choosing to live in a small town is a positive aspect when buying insurance. City drivers have to deal with more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Do you have enough liability coverage? – Your policy’s liability coverage is the protection if ever you are found to be at fault for personal injury or accident damage. Liability insurance provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
  • Allowing your policy to lapse raises rates – Allowing your coverage to lapse is a sure-fire way to increase your insurance rates. And not only will insurance be more expensive, getting caught without coverage might get you a steep fine or even jail time.Then you may be required to file a SR-22 with your state department of motor vehicles.
  • Teen drivers pay high rates – Young drivers tend to be careless and easily distracted in a vehicle so they pay higher insurance rates. Mature drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers.
  • A clean driving record saves money – Whether or not you get tickets has a big impact on rates. Only having one speeding ticket may increase your cost twenty percent or more. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Drivers with severe tickets such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
  • Multi-policy discounts can save money – Most insurers will award you with lower prices to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare rates to confirm you are receiving the best rates possible. You may still be able to find a better deal by buying insurance from more than one company.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different.

For example, these questions can help discover whether or not you may require specific advice.

  • Am I getting all the discounts available?
  • Should I buy only the required minimum liability coverage?
  • Am I covered when pulling a rental trailer?
  • How much liability do I need to cover my assets?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How do I insure my teen driver?
  • What if I total my 2008 Volkswagen Jetta and owe more than it’s worth?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need rental car coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form.

Buyer beware of insurance advertising tricks

Insurance providers like State Farm and Allstate regularly use ads on television and other media. They all have a common claim that you can save if you move to them. How does each company say the same thing?

All the different companies have a certain “appetite” for the type of driver they prefer to insure. An example of a profitable customer could be between 30 and 50, insures multiple vehicles, and drives newer vehicles. Any new insured who meets those qualifications gets the lowest rates and as a result will probably save when they switch companies.

Drivers who don’t measure up to this ideal profile will be quoted more money which usually ends up with the driver buying from a lower-cost company. The ads state “people who switch” not “people who quote” save that kind of money. That’s the way insurance companies can confidently make the claims of big savings.

This emphasizes why you need to get as many comparisons as possible. It’s not possible to predict the company that will fit your personal profile best.

Auto insurance coverages

Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, falling objects and hail damage. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

This covers damage to your Jetta from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, damaging your car on a curb, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” 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.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverage

This can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as court costs, bail bonds, repair bills for other people’s vehicles, attorney fees and structural damage. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like EMT expenses, chiropractic care, surgery and nursing services. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Final thoughts

In this article, we covered a lot of techniques to save on 2008 Volkswagen Jetta insurance. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising.

Cheap insurance is definitely available both online in addition to many insurance agents, and you need to price shop both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at a price you can afford while still protecting your assets.

More detailed car insurance information is located at these sites: