Searching for better car insurance rates for your Volkswagen Jetta? Searching for the lowest cost car insurance on the internet can be challenging for consumers new to comparison shopping online. Since there are so many online companies available, how can drivers have a chance to compare the different rates to find the best available price?
It’s smart to do rate comparisons every six months because rates change quite often. If you had the best price for Jetta insurance two years ago you can probably find a lower rate today. Starting right now, forget all the misinformation about car insurance because you’re about to learn how to use online quotes to find lower rates on car insurance.
There are multiple methods to shop for 1993 Volkswagen Jetta auto insurance, but there is one way that is more efficient than others. You can spend countless hours talking to insurance agencies in your area, or you could save time and use online quotes to get rates in a matter of minutes.
Many of the larger companies belong to an insurance system that allows shoppers to submit one quote, and each participating company returns a competitive quote based on that information. This prevents consumers from doing repetitive form submissions to every company.
To access this free quoting program, click to open in new window.
The one disadvantage to using this type of form is you can’t choose which companies you want to price. If you wish to select specific insurance companies to request quotes from, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.
It doesn’t matter which method you choose, just make darn sure you compare identical coverage limits on every quote. If you use different values for each quote it will be very difficult to determine which rate is truly the best. Quoting even small variations in coverage limits can result in a big premium difference. And when comparison shopping, more quotes will increase your chances of finding the best offered rates.
Car insurance companies don’t always list all their discounts very well, so we took the time to find some of the more common and also the lesser-known ways to save on insurance coverage.
It’s important to note that most of the big mark downs will not be given to the entire cost. Most only cut individual premiums such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.
For a list of companies with the best insurance coverage discounts, click here.
When it comes to buying proper insurance coverage, there is no perfect coverage plan. Everyone’s needs are different.
Here are some questions about coverages that can help discover whether or not you may require specific advice.
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form.
Having a good grasp of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for expenses for nursing services, funeral costs, EMT expenses, rehabilitation expenses and prosthetic devices. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Collision coverage – This will pay to fix damage to your Jetta resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as crashing into a ditch, rolling your car, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Volkswagen Jetta.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Comprehensive auto coverage – This will pay to fix 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 insurance covers claims such as hitting a bird, damage from a tornado or hurricane, a tree branch falling on your vehicle, vandalism and falling objects. The maximum payout a 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 coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.
Liability can pay for claims such as court costs, legal defense fees, loss of income, emergency aid and bail bonds. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.