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