Cheap 1998 Volkswagen Jetta Insurance Cost

Looking for lower car insurance rates for your Volkswagen Jetta? Finding low-cost insurance for your Volkswagen Jetta can normally be a lot of work, but you can use these tips to make it easier.

There is a better way to buy car insurance and we’ll show you the proper way to compare rates for a Volkswagen and find the lowest price from local insurance agents and online providers.

If you are insured now or need a new policy, you can learn to find better prices and still get good coverage. Finding more affordable auto insurance coverage is simple if you know the tricks. Vehicle owners just need to know how to get comparison rates over the internet.

Discounts for cheaper car insurance rates

Not too many consumers would say car insurance is affordable, but there may be some discounts that you may not even be aware of. Some discounts will apply when you complete an application, but less common discounts must be specifically requested prior to receiving the credit.

  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • More Vehicles More Savings – Buying a policy with multiple vehicles with the same car insurance company could earn a price break for each car.
  • Switch and Save Discount – A few insurance companies offer discounts for buying a policy prior to the expiration date on your current policy. It could save around 10% when you buy car insurance online.
  • Military Rewards – Having an actively deployed family member could mean lower car insurance rates.
  • Drivers Education – Teen drivers should take driver’s ed class in school.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 15% off the personal injury premium cost.
  • New Car Discount – Buying a new car model can cost up to 25% less due to better safety requirements for new vehicles.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out some life insurance in addition to your auto policy.
  • Employee of Federal Government – Being employed by or retired from a federal job could provide a small rate reduction for Jetta coverage depending on your car insurance provider.

It’s important to understand that most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, insurance companies wouldn’t stay in business. But any discount will help reduce your policy premiums.

A few popular companies and some of the premium reductions they offer include:

  • AAA may include discounts for good student, multi-car, anti-theft, pay-in-full, and AAA membership discount.
  • Progressive may offer discounts for good student, homeowner, continuous coverage, online signing, online quote discount, and multi-vehicle.
  • State Farm includes discounts for safe vehicle, driver’s education, good driver, multiple policy, and defensive driving training.
  • Esurance policyholders can earn discounts including emergency road assistance, safety device, anti-lock brakes, defensive driver, Pac-12 alumni, multi-policy, and renters.
  • Nationwide offers discounts for defensive driving, easy pay, anti-theft, good student, and Farm Bureau membership.

Double check with every company which discounts you qualify for. Depending on the company, some discounts may not apply to policies in your area.

Quote auto insurance online

Performing a rate comparison can be a lot of work if you don’t utilize the best way to get rate quotes. You can waste hours driving to insurance companies in your area, or you can utilize online quotes to get the quickest rates.

Most car insurance companies participate in a marketplace where prospective buyers send in one quote, and each participating company returns a rated price. This prevents consumers from doing quote forms for every auto insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

The only downside to using this type of system is you can’t choose the providers you want to price. So if you prefer to pick from a list of companies to compare, we have assembled a list of auto insurance companies in your area. Click here to view list.

Which method you use is up to you, but double check that you are using nearly identical coverage limits for every company. If the quotes have mixed coverages it will be very difficult to make a fair comparison for your Volkswagen Jetta.

Learn how to buy auto insurance at a discount

Part of the auto insurance buying process is learning the rating factors that help determine your auto insurance rates. If you know what determines premiums, this enables you to make decisions that may reward you with cheaper rates.

  • Save money with high credit – Your credit score is a big factor in determining your rates. Therefore, if your credit rating is low, you could save money insuring your 1998 Volkswagen Jetta by taking the time to improve your credit score. People that have high credit scores tend to be more responsible as compared to drivers with lower ratings.
  • Better prices for no policy lapses – Allowing your auto insurance policy to lapse is a fast way to pay more for auto insurance. Not only will you pay more, getting caught without coverage will get you a steep fine or even jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Rural areas have lower premiums – Residing in small towns and rural areas is a good thing when insuring your vehicles. Drivers who live in large cities have to deal with congested traffic and a longer drive to work. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Fewer miles means better rates – The higher the miles on your Volkswagen each year the higher your rate. The majority of insurers charge rates partially by how you use the vehicle. Cars not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Verify your declarations sheet is rated on annual mileage, because improper ratings can cost you money. An incorrectly rated Jetta can cost quite a bit.
  • Alarms and GPS tracking lower auto insurance rates – Owning a car that has an advanced theft prevention system can get you a discount on your auto insurance. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop car theft and help bring rates down.
  • Save money by having multiple policies – Most major insurers will give a discount to insureds that purchase more than one policy in the form of a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even if you already get this discount, it’s always a smart idea to compare other company rates to make sure you are getting the best deal.
  • Marriage is a factor – Being married helps lower the price on your policy. Having a spouse is viewed as being less irresponsible and insurance companies reward insureds because married drivers tend to file fewer claims.

You may need specialized insurance coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions could help you determine whether or not you might need professional guidance.

  • Do I need medical payments coverage since I have good health insurance?
  • What is covered by UM/UIM coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • When should my teen driver be added to my policy?
  • Should I rate my 1998 Volkswagen Jetta as pleasure use or commute?
  • I have a DUI can I still get coverage?
  • Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and may give you better protection.

Buyer beware of car insurance advertising tricks

Consumers can’t ignore all the ads that promise big savings from the likes of State Farm, Allstate and Geico. They all seem to have a common claim that people will save if you get a free car insurance quote and switch your coverage.

Is it even possible that every company can offer you a better deal? Here is how they do it.

Different companies have specific guidelines for a prospective insured that will generate a profit. A good example of a desirable risk should be between 30 and 50, has no claims, and chooses high deductibles. Anybody who matches that profile may get the lowest prices and have a good chance to save some money.

People who are not a match for the requirements will see more expensive rates which translates to the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers who switch” not “everybody who quotes” will save that much if they switch. That’s the way companies can make those statements.

Because of the profiling, drivers must compare rate quotes every year. It’s just not possible to know which car insurance company will be your best fit.

Insurance coverages 101

Understanding the coverages of insurance can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive protection

This coverage covers 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 coverage protects against claims like hail damage, damage from getting keyed, theft, a tree branch falling on your vehicle and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like medical expenses, funeral expenses, bail bonds and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses like X-ray expenses, nursing services, hospital visits and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Volkswagen Jetta.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as rolling your car, hitting a parking meter, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

One last thing about your coverage

When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice collision coverage only to regret at claim time that they should have had better coverage. Your goal is to buy a smart amount of coverage at a price you can afford, but do not skimp to save money.

Cheaper car insurance is attainable both online as well as from insurance agents, so you should compare both to have the best rate selection. Some insurance companies may not provide internet price quotes and many times these smaller providers only sell coverage through independent insurance agents.

People switch companies for many reasons like high prices, being labeled a high risk driver, an unsatisfactory settlement offer and even questionable increases in premium. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.

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