2001 Volkswagen Jetta Car Insurance Cost

Want cheaper auto insurance rates? Drivers have a choice when trying to find low-cost Volkswagen Jetta insurance. You can either waste hours calling around trying to get quotes or use the internet to get rate quotes.

There are more efficient ways to buy auto insurance and you need to know the proper way to quote coverages for a Volkswagen and find the cheapest rates from both online companies and local agents.

Buy car insurance online

There are multiple methods you can shop for car insurance but there is one way that is less time-consuming than others. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Most of the larger companies take part in a program where insurance shoppers enter their coverage request one time, and every company provides a quote determined by their information. This saves time by eliminating quote requests to every company.

To get comparison pricing now click here to start a free quote.

The one disadvantage to doing it this way is that you can’t choose which companies you want pricing from. So if you want to choose specific insurance companies to receive pricing from, we have assembled a list of companies who write car insurance in your area. Click here to view list.

It’s your choice how you get your quotes, but make sure you are using exactly the same coverage limits on every quote. If you enter higher or lower deductibles it will be next to impossible to make a fair comparison for your Volkswagen Jetta.

Insurance can be complex

When choosing adequate coverage, there really is no single plan that fits everyone. Each situation is unique.

For instance, these questions may help highlight whether you may require specific advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need more liability coverage?
  • Does my insurance cover a custom paint job?
  • What if I owe more than I can insure my car for?
  • What should my uninsured motorist coverage limits be in my state?
  • Is other people’s property covered if stolen from my vehicle?
  • Why is insurance for a teen driver so high?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Insurance coverage options for a 2001 Volkswagen Jetta

Knowing the specifics of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, rolling your car, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually these limits are set the same as your liablity limits.

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from flooding, hitting a bird, hail damage and a broken windshield. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as doctor visits, pain medications, chiropractic care and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

This coverage provides protection from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical services, emergency aid and pain and suffering. How much coverage you buy is up to you, but consider buying as much as you can afford.