View 2002 Volkswagen Jetta Car Insurance Quotes

Want better car insurance rates for your Volkswagen Jetta? Paying for high-priced Volkswagen Jetta insurance can drain your funds and possibly require you to analyze your spending habits.

Vehicle owners have multiple car insurance companies to purchase coverage from, and even though it’s nice to have a selection, it can be more challenging to locate the cheapest rates.

Buying cheaper auto insurance is simple if you know the tricks. Basically, every driver who is shopping for auto insurance most likely will be able to save money. Nevertheless, drivers can benefit by having an understanding of the methods companies use to sell insurance online because it can help you find the best coverage.

Learn how to lower your insurance rates

Many factors are part of the calculation when premium rates are determined. Some are obvious like your driving record, but other criteria are not quite as obvious such as your credit history or your vehicle rating.An important part of buying insurance is that you know a few of the rating criteria that play a part in calculating the level of your policy premiums. When consumers understand what determines premiums, this allows you to make good choices that will entitle you to better insurance rates.

  • Don’t get traffic citations – Even one ticket can increase rates by as much as thirty percent. Drivers who don’t get tickets get better rates than bad drivers. Drivers who have received careless tickets such as DUI, reckless driving or excessive speeding may be required to maintain a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
  • How many miles do you drive? – Driving a lot of miles every year the higher your rate. A lot of companies calculate prices based upon how you use the vehicle. Autos that sit idle most of the time can be on a lower rate level than vehicles that have high annual mileage. It’s always a good idea to double check that your insurance policy shows the correct usage for each vehicle, because it can save money. Having an incorrect usage rating on your Jetta is just wasting money.
  • Be proud to be claim-free – Car insurance companies generally give cheaper rates to policyholders that do not abuse their auto insurance. If you file a lot of claims you can look forward to much higher rates or policy non-renewal. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Never let your insurance expire – Driving any period of time without insurance is a big no-no and companies may charge more for letting your coverage have a gap. In addition to paying higher rates, not being able to provide proof of insurance may earn you fines or a revoked license. You could then be forced to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.

Free insurance rate quotes

Shopping for lower insurance rates can be challenging if you aren’t aware of the easiest way. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you could use online quoting to get rates in a matter of minutes.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and each company can provide price quotes based on the submitted data. This system prevents you from having to do form submissions to each individual insurance company. To compare rates now click to open in new window.

The one disadvantage to using this type of system is you don’t know exactly which providers to receive prices from. If you prefer to choose specific insurance companies for rate comparison, we have assembled a list of insurance companies in your area. View list of insurance companies.

However you get your quotes, be sure to compare the same quote information with each company. If you are comparing unequal deductibles or liability limits you can’t possibly truly determine the lowest rate. Having just a slight variation in coverages could mean much higher rates. It’s important to know that quoting more helps improve the odds of finding the best rates.

Save $391 a year. For real?

Respected companies like Progressive, Geico, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to make the promise that you can save after switching your car insurance coverage to their company. How is it possible that every company can make almost identical claims? You have to listen carefully.

Insurance companies have specific characteristics for the type of customer that earns them the most money. An example of this type of driver might be between 30 and 50, carries high limits, and drives less than 10,000 miles a year. Any person who matches those parameters is entitled to the best price as well as pay quite a bit less when switching companies.

Potential insureds who are not a match for those standards will probably be forced to pay a more expensive rate which results in the customer buying from someone else. If you listen closely, the ads state “people who switch” but not “all drivers who get quotes” save that much. That’s the way insurance companies can confidently make the claims of big savings.

This illustrates why you really should get insurance quotes from several different companies. It’s just not possible to know which car insurance company will have the lowest rates.

Take policy discounts and save

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even know about. Some discounts will apply when you get a quote, but a few must be specifically requested in order for you to get them.

  • Federal Employees – Being employed by or retired from a federal job may reduce rates when you quote insurance for Jetta insurance with some insurance companies.
  • No Claims – Insureds who avoid accidents and claims pay much less in comparison with insureds who have frequent claims or accidents.
  • Paperless Signup – Some companies give back up to $50 for buying a policy and signing up digitally online.
  • Safety Course Discount – Taking time to complete a safe driver class could save 5% or more and easily recoup the cost of the course.
  • Student Discount for Driver Training – Require your teen driver to enroll and complete driver’s education in high school.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Responsible Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less for Jetta insurance than drivers with accidents.
  • Professional Memberships – Belonging to specific professional or occupational memberships or organizations could earn you a nice discount when shopping for insurance.

We need to note that some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, you aren’t that lucky.

Large insurance companies and a summarized list of policyholder discounts include:

  • State Farm policyholders can earn discounts including student away at school, safe vehicle, Drive Safe & Save, defensive driving training, passive restraint, anti-theft, and multiple autos.
  • Farmers Insurance has savings for homeowner, youthful driver, bundle discounts, pay in full, early shopping, and multi-car.
  • Progressive may include discounts for good student, online quote discount, online signing, homeowner, multi-vehicle, multi-policy, and continuous coverage.
  • Geico includes discounts for good student, anti-lock brakes, membership and employees, emergency military deployment, and anti-theft.
  • Auto-Owners Insurance offers discounts for paperless, student away at school, air bags, good student, and anti-lock brakes.
  • The Hartford may offer discounts for good student, air bag, defensive driver, vehicle fuel type, driver training, and bundle.
  • Farm Bureau has discounts for multi-vehicle, youthful driver, multi-policy, safe driver, 55 and retired, and renewal discount.
  • USAA offers discounts including driver training, defensive driver, vehicle storage, safe driver, annual mileage, and loyalty savings.

Before purchasing a policy, check with each company or agent which credits you are entitled to. All car insurance discounts might not be available to policyholders everywhere. To see companies who offer discounts, click here.

Which policy gives me the best coverage?

When buying adequate coverage, there really is not a best way to insure your cars. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover if you might need professional guidance.

  • Are split liability limits better than a combined single limit?
  • Can my teen drive my company car?
  • Do I have coverage for damage caused while driving under the influence?
  • Is a fancy paint job covered?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered if I hit a deer?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Specifics of your auto insurance policy

Having a good grasp of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages offered by auto insurance companies.

Collision coverage – This pays for damage to your Jetta resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2002 Volkswagen Jetta.

Due to the fact that many drivers only purchase the least amount of liability that is required, 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. Most of the time the UM/UIM limits are set the same as your liablity limits.

Liability coverages – This protects you from damage that occurs to other’s property or people. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as medical services, bail bonds, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for bills like hospital visits, rehabilitation expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like theft, damage from flooding, hitting a bird and falling objects. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Buy Smart and Save

There are still a few companies who may not offer online quoting and many times these small insurance companies sell through local independent agencies. Discount 2002 Volkswagen Jetta insurance is attainable from both online companies and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture.

We just covered many ideas to shop for 2002 Volkswagen Jetta insurance online. The key concept to understand is the more providers you compare, the better likelihood of getting inexpensive insurance. Drivers may discover the biggest savings come from a small mutual company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

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