1991 Volkswagen Jetta Car Insurance Quotes

Searching for lower insurance coverage rates for your Volkswagen Jetta? Did you make the mistake of buying overpriced insurance coverage? You’re preaching to the choir because many drivers have buyer’s remorse. Since you have so many insurance coverage companies to choose from, it’s difficult to choose a more affordable company.

It’s smart to compare prices every six months since insurance prices are rarely the same from one policy term to another. Just because you found the best price for Jetta insurance on your last policy the chances are good that you can find a lower rate today. There is a lot of wrong information about insurance coverage out there, but in a few minutes you can learn the easiest ways to lower your insurance coverage rates.

Do you qualify for discounts?

Car insurance can be pricey, but you may find discounts that you may not even know about. Certain credits will be shown at the time of quoting, but occassionally some discounts must be asked about before they will apply. If you’re not getting every credit possible, you are just wasting money.

  • Good Driver Discount – Safe drivers can save up to 40% or more on their insurance quote for Jetta insurance than drivers with accident claims.
  • Organization Discounts – Participating in a qualifying organization could qualify you for a break on your bill.
  • Accident Forgiveness – Not a discount per se, but companies like Progressive, Allstate, and Geico will forgive one accident without getting socked with a rate hike as long as you don’t have any claims before the accident.
  • Switch and Save Discount – Some car insurance companies reward drivers for signing up prior to your current policy expiring. It could save around 10% when you buy insurance online.
  • Life Insurance – Some car insurance companies give a small discount if you purchase life insurance from them.
  • Home Ownership Discount – Just being a homeowner can get you a discount due to the fact that maintaining a home shows financial diligence.
  • Claim-Free Discount – Insureds with no claims or accidents pay less in comparison to insureds who have frequent claims or accidents.
  • Senior Citizen Rates – Drivers that qualify as senior citizens could receive a slight reduction on a insurance quote for Jetta insurance.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents so you can save 10 percent or more.

Discounts save money, but please remember that most credits do not apply to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Larger car insurance companies and a partial list of their discounts are outlined below.

  • State Farm offers discounts including defensive driving training, student away at school, safe vehicle, Drive Safe & Save, and multiple policy.
  • Geico policyholders can earn discounts including defensive driver, driver training, air bags, good student, and membership and employees.
  • Progressive discounts include multi-vehicle, continuous coverage, online signing, homeowner, online quote discount, multi-policy, and good student.
  • 21st Century includes discounts for homeowners, air bags, theft prevention, teen driver, early bird, and good student.
  • American Family may offer discounts for Steer into Savings, good driver, bundled insurance, TimeAway discount, multi-vehicle, and early bird.
  • The Hartford may include discounts for defensive driver, bundle, air bag, good student, anti-theft, and driver training.
  • AAA has savings for good student, education and occupation, AAA membership discount, good driver, multi-car, anti-theft, and pay-in-full.

When comparing rates, check with every insurance company the best way to save money. Some credits might not be offered on policies in your area. If you would like to see a list of insurers that offer the discounts shown above, follow this link.

Don’t assume everyone needs the same insurance coverage

When buying coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions might point out whether your personal situation could use an agent’s help.

  • Do I pay less if my vehicle is kept in my garage?
  • How much liability coverage do I need in my state?
  • Should I put collision coverage on all my vehicles?
  • Where can I find DUI or SR-22 insurance?
  • Does my 1991 Volkswagen Jetta need full coverage?
  • Why am I required to buy liability insurance?
  • Do I need special endorsements for business use of my vehicle?
  • When can my company non-renew my policy?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I have coverage if my license is suspended?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Specifics of your insurance policy

Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, damage from a tornado or hurricane and damage from flooding. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

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

Collision coverage protects against things such as crashing into a building, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Volkswagen Jetta.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverage

This will cover damage or injury you incur to people or other property. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like repair costs for stationary objects, attorney fees, emergency aid, funeral expenses and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for expenses for things like doctor visits, EMT expenses, X-ray expenses, nursing services and pain medications. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Cheaper insurance is a realistic goal

As you quote insurance, do not skimp on critical coverages to save a buck or two. In too many instances, someone dropped full coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage for the lowest cost and still be able to protect your assets.

We just showed you many ways to compare 1991 Volkswagen Jetta insurance rates online. It’s most important to understand that the more you quote insurance, the better chance you’ll have of finding cheaper insurance. Drivers may discover the most savings is with some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

More tips and info about insurance coverage is located in the articles below: