View 1997 Volkswagen Jetta Insurance Rates

Trying to find lower auto insurance rates for your Volkswagen Jetta? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, there are many people just like you. There is such a variety of auto insurance companies to buy insurance from, and although it’s nice to have a selection, it makes it harder to find a good deal.

Choosing the best insurance company for you is not rocket science. If you are insured now or need a new policy, you can learn to get lower rates while maximizing coverage. Consumers just need to learn the best way to find the lowest price over the internet.

Where Can I Get Cheap Car Insurance?

Effectively comparing car insurance prices is a ton of work if you don’t utilize the best way to get rate quotes. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could save time and use online quoting to get pricing more quickly.

All the larger companies belong to a marketplace that enables customers to only type in their quote data once, and each company returns a rated price based on the submitted data. This system prevents you from having to do quotation requests to each individual car insurance company. To find out what other companies charge for 1997 Volkswagen Jetta insurance click here to open in new window.

The only drawback to comparing rates this way is buyers cannot specifically choose which insurance companies you want pricing from. So if you prefer to pick specific insurance companies to compare, we have a page of car insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you are comparing identical coverages and limits for every quote you compare. If the quotes have different limits and deductibles on each one it’s not possible to make a fair comparison for your Volkswagen Jetta.

Can switching companies really save?

Drivers get pounded daily by advertisements for cheaper car insurance by companies like GEICO, State Farm and Progressive. They all make the same claim about savings if you switch to them.

But how can every company say the same thing?

Insurance companies have a certain “appetite” for the driver that is profitable for them. An example of a profitable customer might be profiled as between the ages of 30 and 50, is a homeowner, and has a high credit rating. A customer who meets those qualifications is entitled to the best price and therefore will save a lot of money.

Potential insureds who are not a match for this ideal profile will be quoted a higher premium and this can result in business not being written. Company advertisements say “people who switch” not “everybody who quotes” save that much. That’s why companies can make the claims of big savings. This emphasizes why you absolutely need to compare many company’s rates. You cannot predict which insurance companies will fit your personal profile best.

Save with discounts on Volkswagen Jetta insurance

Companies don’t always advertise all their discounts very well, so we researched some of the best known and the harder-to-find savings tricks you should be using. If you don’t get every credit possible, you’re just leaving money on the table.

  • Paperless Signup – A few companies may give you up to $50 simply for signing online.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less for Jetta coverage than less cautious drivers.
  • Senior Citizens – If you’re over the age of 55, you may qualify for better car insurance rates for Jetta coverage.
  • Federal Employees – Employees or retirees of the government can save as much as 8% for Jetta coverage depending on your company.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Early Switch Discount – Some companies give discounts for switching to them before your current expiration date. It’s a savings of about 10%.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Volkswagen could qualify for better rates on cars that stay parked.

It’s important to understand that most of the big mark downs will not be given to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky.

Car insurance companies that possibly offer these benefits include:

Double check with every prospective company which discounts you may be entitled to. Discounts may not apply in your state.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions could help you determine if your situation might need an agent’s assistance.

  • Should I waive the damage coverage when renting a car?
  • Am I covered when driving someone else’s vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Why do I only qualify for high-risk insurance?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What should my uninsured motorist coverage limits be in my state?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Car insurance coverages explained

Learning about specific coverages of car insurance can help you determine the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on most car insurance policies.

Coverage for collisions

Collision insurance will pay to fix damage to your Jetta resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, rolling your car, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists 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 1997 Volkswagen Jetta.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Liability auto insurance

This protects you from damage or injury you incur to other’s property or people. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like loss of income, structural damage, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses like funeral costs, X-ray expenses, nursing services, doctor visits and EMT expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, theft and hail damage. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

The bottom line

Throughout this article, we presented a lot of tips how to reduce 1997 Volkswagen Jetta insurance prices online. It’s most important to understand that the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the lowest rates come from the smaller companies. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate and Progressive.

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Budget-conscious insurance is attainable online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance coverage companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

Additional detailed information can be found by following these links: