1995 Volkswagen Jetta Car Insurance Quotes – 7 Savings Tips

Searching for better insurance prices for a new or used Volkswagen Jetta could be an all-consuming task, but you can use our insurance coverage buying tips to make it easier.

There is a better way to buy insurance coverage so we’re going to tell you the absolute fastest way to get price quotes for your Volkswagen and locate the best price possible from local insurance agents and online providers.

Consumers need to check insurance coverage prices on a regular basis because insurance rates change regularly. Despite the fact that you may have had the best rate on Jetta coverage a couple years back the chances are good that you can find a lower price today. There is a lot of wrong information about insurance coverage on the internet, but in just a couple of minutes you can learn a bunch of ideas how to lower your insurance coverage rates.

Discounts can really help lower premiums

Insuring your fleet can be pricey, but you can get discounts that can help lower your rates. A few discounts will be applied at the time of quoting, but once in a while a discount must be specially asked for prior to receiving the credit. If they aren’t giving you every credit you deserve, you could be paying more than you need to.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Active Military Service – Having a deployed family member could trigger a small discount.
  • Good Students Pay Less – Excelling in school may save you up to 25%. Earning this discount can benefit you until age 25.
  • New Car Discount – Insuring a vehicle that is new can save up to 30% due to better safety requirements for newer vehicles.
  • Federal Employees – Federal government employees can earn a discount up to 10% on Jetta coverage depending on your company.
  • Auto/Life Discount – Not all insurance carriers offer life insurance, but some may give you a discounted price on car insurance if you buy auto and life insurance together.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can save up to 40% or more on their insurance quote on Jetta coverage than drivers with accidents.

One thing to note about discounts is that most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

Some of the larger companies that may include most of these discounts may include but are not limited to:

Before you buy a policy, ask all the companies to apply every possible discount. Discounts may not apply to policyholders in your area. For a list of companies that offer the discounts shown above, click here to view.

Do you really save 40% when you switch?

Consumers get pounded daily by advertisements that claim the cheapest auto insurance rates from companies such as Progressive, Geico, Allstate and State Farm. They all seem to advertise claims about how much you will save after switching your policy.

How does each company save you money? Here is the trick they use.

Most companies are able to cherry pick for the type of customer that will not have excessive claims. For example, a preferred risk should be over the age of 35, has no driving citations, and has excellent credit. Anyone who fits that profile is entitled to the best price and is almost guaranteed to save quite a bit of money when switching.

People who don’t meet those criteria will see a higher rate which usually ends up with business going elsewhere. The trick companies use is to say “drivers who switch” not “everybody who quotes” can save as much as they claim. That’s why insurance companies can claim big savings.

This illustrates why you really need to compare quotes as often as possible. It’s just too difficult to predict the company that will provide you with the cheapest rates.

Will just any policy work for me?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

For example, these questions may help highlight whether you will benefit from professional help.

  • How does medical payments coverage work?
  • Can I afford to buy a different vehicle if my 1995 Volkswagen Jetta is totaled?
  • What is the ISO rating for a 1995 Volkswagen Jetta?
  • Is business property covered if stolen from my car?
  • Is my 1995 Volkswagen Jetta covered for smoke damage?
  • Do I need medical payments coverage since I have good health insurance?
  • Should I waive the damage coverage when renting a car?
  • Do I need rental car coverage?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverages available on your policy

Having a good grasp of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses like ambulance fees, hospital visits and chiropractic care. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Collision protection

This pays for damage to your Jetta resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, rolling your car, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like pain and suffering, emergency aid, medical services, structural damage and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a bird, a broken windshield, falling objects and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Volkswagen Jetta.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Be Smart and Buy Smart

Insureds who switch companies do it for many reasons like delays in responding to claim requests, an unsatisfactory settlement offer, poor customer service and even questionable increases in premium. Regardless of your reason, switching companies is actually quite simple.

Throughout this article, we presented some good ideas how to reduce 1995 Volkswagen Jetta insurance prices online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding inexpensive insurance. Consumers could even find that the biggest savings come from some of the lesser-known companies.

Cheaper 1995 Volkswagen Jetta insurance can be purchased on the web in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance coverage companies may not have online rate quotes and most of the time these regional insurance providers only sell through independent agents.

Additional detailed information is available by following these links: