Cheaper 2005 Volkswagen Jetta Car Insurance Rates

Trying to find cheaper insurance for a Volkswagen Jetta can turn out to be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to find auto insurance online and you need to know the absolute fastest way to quote coverages for a Volkswagen and get the lowest possible price from both online companies and local agents.

These discounts can lower your insurance quotes

Car insurance companies don’t always publicize every discount very clearly, so the below list has some of the best known as well as the least known discounts that may be available. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of 20% or more.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • Multi-car Discount – Insuring multiple cars with the same insurance company may reduce the rate for each vehicle.
  • Paperless Signup – Many insurance companies may give you up to $50 for buying a policy and signing up on your computer.
  • No Accidents – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote in comparison to drivers who are more careless.

As a footnote on discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears you would end up receiving a 100% discount, it’s just not the way it works. But all discounts will positively reduce your overall bill.

A list of companies and their offered discounts are shown below.

  • American Family discounts include Steer into Savings, bundled insurance, accident-free, defensive driver, TimeAway discount, good driver, and air bags.
  • Nationwide has discounts for family plan, easy pay, business or organization, accident-free, and good student.
  • MetLife may have discounts that include accident-free, defensive driver, claim-free, multi-policy, good driver, good student
  • 21st Century includes discounts for homeowners, air bags, student driver, teen driver, theft prevention, defensive driver, and good student.
  • Farmers Insurance offers premium reductions for switch companies, pay in full, bundle discounts, multi-car, mature driver, and good student.
  • Allstate may offer discounts for auto/life discount, safe driver, new car, good student, and eSmart discount.

When quoting, ask each company to give you their best rates. Some discounts might not apply in your area. To view insurers with the best discounts, follow this link.

Compare free insurance quotes

Lowering your 2005 Volkswagen Jetta insurance rates is actually quite simple. All that’s required is to take a few minutes comparing rates online from several insurance companies. This can be done in several different ways.

  1. One of the simplest ways to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This type of form keeps you from doing multiple quote forms for each company you want a rate for. Filling out one form will return price quotes from insurance companies with the best prices.It’s the quickest way to get rates.
  2. A more time consuming way to find better pricing requires a trip to each company’s website and complete a new quote form. For examples sake, we’ll assume you are doing a rate comparison from Liberty Mutual, 21st Century and Geico. In order to get each rate, you would have to take the time to go to each site to input your insurance information, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.

Compare rates however you want, just make sure you use the exact same coverage limits on every quote. If each company quotes unequal deductibles or liability limits it’s impossible to get a fair rate comparison.

Different people need different auto insurance coverages

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

For example, these questions may help highlight if your situation would benefit from an agent’s advice.

  • What is medical payments coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need PIP coverage since I have good health insurance?
  • Can I rent a car in Mexico?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered when driving in Canada or Mexico?
  • What if I total my 2005 Volkswagen Jetta and owe more than it’s worth?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage information

Knowing the specifics of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical costs insurance – Med pay and PIP coverage kick in for expenses for rehabilitation expenses, pain medications and dental work. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision – Collision insurance covers damage to your Jetta resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with a tree, hitting a mailbox, backing into a parked car, crashing into a building and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, vandalism and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverage – Liability insurance will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like emergency aid, loss of income and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Money doesn’t grow on trees

People leave their current company for many reasons like an unsatisfactory settlement offer, questionable increases in premium, being labeled a high risk driver or even poor customer service. No matter why you want to switch, finding the right insurance provider is actually quite simple.

Cheaper 2005 Volkswagen Jetta insurance can be purchased from both online companies as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide online rate quotes and usually these small insurance companies prefer to sell through independent agents.

As you quote auto insurance, never reduce coverage to reduce premium. In many cases, someone sacrificed liability coverage limits and learned later that they should have had better coverage. The goal is to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

To learn more, take a look at the resources below: