How Much Does 2001 Volkswagen Jetta Insurance Cost?

Searching for lower auto insurance rates for your Volkswagen Jetta? Feel like you’re a prisoner to high-priced auto insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Consumers have many auto insurance companies to buy insurance from, and though it is a good thing to have multiple companies, it makes it harder to adequately compare rates.

It’s a good habit to take a look at other company’s rates yearly since insurance rates are rarely the same from one policy term to another. Just because you found the best price on Jetta coverage two years ago a different company probably has better rates today. Don’t believe everything you read about auto insurance on the web, but we’re going to give you some tested techniques to stop overpaying for insurance.

Finding affordable coverage is easy if you know what you’re doing. Just about anyone who carries insurance coverage will more than likely be able to find lower rates. But car owners must learn how the larger insurance companies sell insurance online and use this information to your advantage.

Auto Insurance Prices Online

When shopping for auto insurance there are multiple ways to compare quotes from local auto insurance companies. The best way to compare 2001 Volkswagen Jetta insurance prices is to use the internet to compare rates. This can be done using a couple different methods.

  1. The fastest way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This method eliminates the need for repetitive form entry for each company. A single form will get you rate comparisons from all major companies.
  2. A more difficult way to shop for auto insurance online is to manually visit the website of each company to request a price quote. For examples sake, we’ll assume you want rates from USAA, Farmers and Travelers. You would have to take the time to go to each site and enter your information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

  3. The hardest method to get comparison rates is to drive around to and from local insurance agencies. The internet has reduced the need for local agents unless you prefer the professional guidance of a local agent. Drivers can obtain prices from the web and get advice from an agent in your area and we’ll touch on that later.

Which method you use is up to you, but make darn sure you compare identical coverages for each price quote. If the quotes have differing limits it’s not possible to truly determine the lowest rate. Having just a slight variation in insurance coverages may result in large price differences. Keep in mind that quoting more will increase your chances of finding the best price.

Do drivers who switch really save $425 a year?

Companies like GEICO, State Farm and Progressive regularly use ads in print and on television. All the ads make an identical promise about savings if you move your policy. How do they all claim to save you money? It’s all in the numbers.

All the different companies can use profiling for the type of driver that earns them a profit. An example of a desirable insured might be profiled as between the ages of 40 and 55, has no tickets, and has excellent credit. A customer who matches those parameters gets the lowest rates and is almost guaranteed to save a lot of money.

Drivers who do not match these standards will be quoted a higher premium which usually ends up with business going elsewhere. The ads say “customers that switch” not “people who quote” save money. That’s the way companies can truthfully claim big savings. This emphasizes why it is so important to compare as many rates as you can. It’s not possible to predict which company will give you the biggest savings on Volkswagen Jetta insurance.

Complexity of Volkswagen Jetta insurance rates

It’s important that you understand some of the elements that go into determining your car insurance rates. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to lower car insurance prices.

  • Discounts for multiple policies – Many insurance companies give discounts to policyholders who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you still need to comparison shop to make sure you are getting the best deal. You may still find better rates by insuring with multiple companies.
  • Policy add-ons can waste money – There are quite a few add-on coverages that can waste your money on your 2001 Jetta policy. Coverages like personal injury protection, accident forgiveness and additional equipment coverage are some examples. These may sound like a good investment when talking to your agent, but now you might not need them so get rid of them and save.
  • Proper usage rating affects rates – The higher the mileage driven in a year’s time the higher your rates will be. Most companies charge to insure your cars based on how the vehicle is used. Cars and trucks used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. If your policy improperly rates your Jetta can cost quite a bit. Double check that your car insurance declarations sheet properly reflects the correct usage for each vehicle, because it can save money.
  • Do you have enough liability coverage? – Liability insurance will protect you if you are found liable for personal injury or accident damage. It provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.

Lower rates by qualifying for discounts

Companies don’t always advertise every available discount very clearly, so we break down some of the more common and the more hidden auto insurance savings.

  • Good Students Pay Less – This discount can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Paperless Signup – Certain companies may give you up to $50 for buying your policy digitally online.
  • Senior Discount – Mature drivers may qualify for better auto insurance rates on Jetta coverage.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off on Jetta coverage with certain companies.
  • No Claims – Claim-free drivers can save substantially compared to drivers who are more careless.
  • Memberships – Affiliation with a qualifying organization could trigger savings when buying auto insurance on Jetta coverage.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

For a list of companies with discount auto insurance rates, click here to view.

Car insurance is unique, just like you

When it comes to choosing the best auto insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • How much can I save by bundling my policies?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need motorclub coverage?
  • Is my state a no-fault state?
  • Am I insured when driving a different vehicle?
  • Am I covered if my car is in a flood?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Insurance coverages 101

Learning about specific coverages of a insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages available from insurance companies.

Collision – Collision coverage covers damage to your Jetta from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a parking meter, colliding with another moving vehicle, driving through your garage door, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for bills like EMT expenses, X-ray expenses and prosthetic devices. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability car insurance – Liability insurance will cover damage that occurs to other people or property that is your fault. This coverage protects you against claims from other people, and doesn’t 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 commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against things like medical services, attorney fees and loss of income. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, hitting a bird, hail damage and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Final thoughts

When buying insurance coverage, do not buy less coverage just to save a little money. In many cases, someone dropped liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at the best price.

We’ve covered many ideas to get a better price on 2001 Volkswagen Jetta insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even find the lowest premiums are with an unexpected company. They often have lower prices on specific markets compared to the large companies like Progressive and GEICO.

Discount insurance can be bought from both online companies and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

Much more information about insurance is located at the links below