Lower Your 1996 Volkswagen Jetta Insurance Rates

People not familiar with buying insurance online could find finding cheap insurance is not as easy as it seems.

You should make it a habit to price shop coverage periodically because rates change regularly. If you had the best price for Jetta coverage last year you can probably find a better price now. So block out anything you think you know about insurance because we’re going to show you the right way to save on insurance.

If you are paying for car insurance now, you should be able to lower your premiums substantially using these tips. This information will introduce you to how to effectively get price quotes and some money-saving tips. But drivers need to have an understanding of how insurance companies sell insurance online and apply this information to your search.

Comprehensive Insurance Coverage Comparison Quotes

To find the best insurance coverage prices, there are several ways of comparing rate quotes from different insurance companies. The best method to find competitive 1996 Volkswagen Jetta insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished using a couple different methods.

The single most time-saving way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This easy form prevents you from having to do separate quotation requests to each individual insurance coverage company. Taking the time to complete one form will get you price quotes instantly. This is perfect if you don’t have a lot of time.

A less efficient way to obtain and compare quotes online is going to each company website and request a quote. For example, let’s say you want comparison quotes from Geico, Farmers and American Family. To get each rate you have to spend time on each company’s site and enter your information, which is why the first method is quicker.

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

The least efficient way to compare rates is to drive around to different agent offices. Shopping for insurance coverage online makes this process obsolete unless you have a need for the professional advice that only a license agent can provide. You can, however, price shop your coverage online but buy from a local insurance agent and we’ll talk about that later.

Which method you use is up to you, but double check that you are using the exact same quote information on every quote you get. If you compare different liability limits it will be very difficult to decipher which rate is best. Just a small difference in coverages could mean much higher rates. It’s important to know that having more price comparisons helps you find lower pricing.

How to reduce 1996 Volkswagen Jetta insurance rates

Companies offering auto insurance don’t list every discount in an easy-to-find place, so the following is a list of both the well known and the harder-to-find discounts you could be receiving.

  • Drive Less and Save – Keeping the miles down on your Volkswagen could be rewarded with discounted rates on garaged vehicles.
  • Homeowners Savings – Owning a home can save you money because maintaining a house is proof that your finances are in order.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • No Accidents – Good drivers with no accidents pay much less compared to accident-prone drivers.
  • Discount for Life Insurance – Larger companies have a discount if you purchase life insurance from them.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% for Jetta coverage with select insurance companies.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Jetta coverage than drivers with accidents.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

For a list of insurers with the best auto insurance discounts, click here.

Tailor your coverage to you

When it comes to buying coverage, there isn’t really a cookie cutter policy. Every situation is different.

Here are some questions about coverages that might help in determining whether you could use an agent’s help.

  • Why do I only qualify for high-risk insurance?
  • Do I need more liability coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered if I drive in a foreign country?
  • Is a blown tire covered by insurance?
  • Why am I required to buy liability insurance?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Factors influencing Volkswagen Jetta insurance rates

An important part of buying insurance is that you know some of the elements that go into determining your insurance coverage rates. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to better insurance coverage rates.

Listed below are some of the factors that factor into prices.

  • Rural vs Urban Areas – Being located in a rural area can be a good thing when insuring your vehicles. City drivers have to deal with much more traffic and longer commute times. Fewer drivers means fewer accidents and a lower car theft rate.
  • A clean driving record saves money – Just one citation can increase rates by as much as thirty percent. Good drivers receive lower rates than their less careful counterparts. Drivers who have dangerous citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • Do you know your deductibles? – Physical damage deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims are colliding with a building, damage from fire, and windstorm damage. The more money you have to pay, the less your company will charge you for insurance for Jetta coverage.
  • One company can mean more discounts – The majority of insurance companies provide better rates to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. If you currently are using one company, you still need to compare other company rates to make sure you are getting the best deal.
  • Never allow your policy to lapse – Driving your car without having proper coverage is illegal and your next policy will cost more because you let your coverage lapse. Not only will rates go up, getting caught without coverage may earn you a hefty fine and possibly a revoked license.

Are you falling for claims of savings?

State Farm, Allstate and Geico regularly use ads on TV and radio. All the companies make an identical promise of big savings if you move to their company. How do they all say the same thing? It’s all in the numbers.

Insurance companies are able to cherry pick for the driver that is profitable for them. For example, a preferred risk might be profiled as between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A driver who meets those qualifications will get the preferred rates and as a result will probably save when switching.

Drivers who don’t measure up to the requirements will be quoted higher prices which usually ends up with business going elsewhere. The ads say “customers that switch” not “everybody who quotes” save that kind of money. That’s the way companies can truthfully state the savings. This emphasizes why it’s extremely important to get as many comparisons as possible. It’s impossible to know the company that will give you the biggest savings on Volkswagen Jetta insurance.

Parts of your car insurance policy

Learning about specific coverages of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Jetta.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as damaging your car on a curb, backing into a parked car, scraping a guard rail, colliding with a tree and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Medical costs insurance – Coverage for medical payments and/or PIP pay for expenses for doctor visits, funeral costs and X-ray expenses. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance – This can cover damage that occurs to other’s property or people by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like medical expenses, court costs, legal defense fees and attorney fees. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive or Other Than Collision – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, fire damage, vandalism, a tree branch falling on your vehicle and falling objects. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Have the Midas touch

In this article, we presented quite a bit of information on how to save on 1996 Volkswagen Jetta insurance. It’s most important to understand that the more you quote, the better your comparison will be. Consumers could even find that the lowest rates come from a lesser-known regional company.

Drivers leave their current company for any number of reasons including lack of trust in their agent, delays in paying claims, delays in responding to claim requests or not issuing a premium refund. Regardless of your reason for switching companies, finding the right car insurance provider is not as hard as you think.

Budget-conscious insurance is available both online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

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