Compare 2000 Volkswagen Jetta Insurance Quotes

Buyers have a choice when searching for affordable Volkswagen Jetta insurance. You can either spend your time contacting agents trying to get quotes or use the internet to get rate quotes. There is a better way to compare insurance coverage rates so we’re going to tell you the quickest way to quote coverages for a Volkswagen and find the lowest possible price from local insurance agents and online providers.

Finding affordable coverage is easy if you know what you’re doing. If you are paying for car insurance now, you will be able to reduce your rates substantially using these methods. Drivers only need an understanding of the most effective way to compare prices online.

Free Insurance Coverage Quotes

There are several ways to shop for Volkswagen Jetta insurance coverage, but some are more efficient than others. You can spend countless hours talking about coverages with local insurance agents in your area, or you can utilize the internet to get prices fast.

All the larger companies belong to an insurance system where prospective buyers send in one quote, and every company returns a competitive quote based on the submitted data. This eliminates the need for quote forms to each company. To compare 2000 Volkswagen Jetta rates now click here (opens in new window).

One minor caviat to getting quotes like this is buyers cannot specifically choose which providers you want pricing from. So if you want to choose from a list of companies to compare rates, we have assembled a list of the cheapest insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you’re using identical information with each company. If you compare different liability limits you will not be able to decipher which rate is best.

Discounts to lower Volkswagen Jetta insurance rates

Auto insurance companies don’t always advertise every available discount very clearly, so here is a list both the well known and the harder-to-find insurance savings. If you’re not getting every credit you qualify for, you are throwing money away.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Accident Free – Drivers with accident-free driving histories pay much less compared to accident-prone drivers.
  • E-sign – A handful of insurance companies give back up to $50 for buying a policy and signing up over the internet.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Drivers Ed for Students – Have your child complete a driver education course in high school.
  • Save over 55 – If you’re over the age of 55, you may receive reduced rates on Jetta insurance.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you could get a free insurance policy, you’re out of luck.

To see a list of providers with the best insurance discounts, follow this link.

Lesser-known factors impacting Volkswagen Jetta insurance rates

Consumers need to have an understanding of the rating factors that help determine insurance coverage rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that could result in big savings.

The following are some of the factors companies use to determine premiums.

  • Never go without insurance – Letting your insurance expire is a fast way to increase your insurance coverage rates. And not only will insurance be more expensive, failure to provide proof of insurance will get you a license revocation or jail time.
  • Your age impacts your rates – Older drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers. Youthful drivers are known to be less responsible behind the wheel and because of this, their insurance coverage rates are much higher.
  • Liability insurance protects assets – Liability coverage is the protection in the event that a jury decides you are liable for damages from an accident. It will provide for a legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so do not skimp.
  • Traffic violations increase rates – Whether or not you get tickets has a big impact on rates. Only having one moving violation may increase your cost twenty percent or more. Drivers with clean records receive lower rates than bad drivers. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to file a SR-22 with the DMV in their state in order to continue driving.
  • Your location affects your rates – Residing in less populated areas is a positive aspect when buying insurance coverage. Fewer people means fewer accidents and also fewer theft and vandalism claims. City drivers tend to have more traffic problems and longer commute times. Longer commute distances means higher likelihood of an accident.
  • Discounts for married couples – Getting married can get you a discount on insurance coverage. Marriage translates into being more responsible and it’s proven that married couples file fewer claims.
  • Your car’s features help determine rates – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • Do you qualify for a multi-policy discount? – Some insurance coverage companies provide better rates to people who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to compare other company rates to make sure you are getting the best deal.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

For example, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • Am I covered if I hit my neighbor’s mailbox?
  • Why do I only qualify for high-risk insurance?
  • When should I drop full coverage on my 2000 Volkswagen Jetta?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my state a no-fault state?
  • Should I get collision insurance on every vehicle?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements that promise big savings by companies like Progressive, GEICO, Allstate and State Farm. All the companies make an identical promise of big savings if you move to them.

How do they all make the same claim? It’s all in the numbers.

All the different companies have a certain “appetite” for the type of customer that makes them money. A good example of a driver they prefer might be between 25 and 40, has no prior claims, and has excellent credit. A propective insured who meets those qualifications is entitled to the best price and as a result will probably cut their rates substantially.

Potential insureds who don’t meet the requirements must pay higher premiums which leads to business not being written. Company advertisements say “drivers who switch” not “everybody who quotes” save money. That’s why companies can make the claims of big savings. This illustrates why it is so important to get quotes from several different companies. It’s impossible to know which company will provide you with the cheapest Volkswagen Jetta insurance rates.

Specific coverage details

Understanding the coverages of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Collision – This coverage pays for damage to your Jetta resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, scraping a guard rail, colliding with a tree, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like chiropractic care, funeral costs, surgery and dental work. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Liability car insurance – This protects you from injuries or damage you cause to a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as pain and suffering, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive car insurance – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like falling objects, a tree branch falling on your vehicle, rock chips in glass, hitting a bird and fire damage. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Take this to the bank

Drivers change insurance companies for many reasons like questionable increases in premium, delays in responding to claim requests, extreme rates for teen drivers or policy cancellation. It doesn’t matter what your reason, finding the right car insurance provider is actually quite simple.

You just learned some good ideas how to get a better price on 2000 Volkswagen Jetta insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the best prices are with a small mutual company.

When you buy insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced liability limits or collision coverage only to discover later that the savings was not a smart move. Your focus should be to buy enough coverage for the lowest price, not the least amount of coverage.

More detailed car insurance information is located by following these links: