No one in their right mind likes paying for car insurance, particularly when the price is too high. Popular companies such as Geico, Farmers Insurance and State Farm increase brand awareness with fancy advertisements and consumers find it hard to ignore the flashy ads and find the best price available.
If you have a current insurance coverage policy or are looking for a new policy, you can use these tips to find better prices and still get good coverage. Buying car insurance is not rocket science. Drivers only need an understanding of the best way to compare prices online.
Getting a cheaper price on 1998 Volkswagen Jetta insurance is surprisingly easy. All that’s required is to invest a few minutes comparing rate quotes provided by online insurance companies. This is very easy and can be done in a couple of different ways.
It doesn’t matter which method you choose, just make darn sure you compare identical deductibles and coverage limits for every company. If your comparisons have mixed coverages you can’t possibly determine which rate is truly the best.
When buying adequate coverage, there really is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out whether you will benefit from professional help.
If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Knowing the specifics of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverages offered by car insurance companies.
Comprehensive coverages – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like hitting a bird, damage from a tornado or hurricane and fire damage. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for medical payments – Med pay and PIP coverage provide coverage for expenses for rehabilitation expenses, prosthetic devices, dental work, surgery and ambulance fees. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay
Collision coverage – Collision coverage pays for damage to your Jetta from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as sustaining damage from a pot hole, sideswiping another vehicle, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.
Uninsured and underinsured coverage – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Jetta.
Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Liability coverages – This can cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability can pay for claims such as court costs, attorney fees and emergency aid. How much liability should you purchase? That is your choice, but buy as much as you can afford.