2008 Volkswagen Jetta Insurance Cost – 8 Tips for Best Prices

Searching for better car insurance rates for your Volkswagen Jetta? Having to pay for high-priced Volkswagen Jetta insurance can drain your monthly budget and put the squeeze on your family’s finances. Getting a rate comparison is a smart way to make sure you’re not throwing money away.

Companies like Progressive, Geico and Farmers Insurance constantly bombard you with ads and it is difficult to avoid their marketing magic and take the time to shop coverage around.

Consumers should take time to compare premium rates occasionally due to the fact that insurance prices tend to go up over time. Even if you think you had the lowest price for Jetta insurance on your last policy the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because you’re going to learn the easiest way to find lower rates on car insurance.

If you have insurance now or need new coverage, you can follow these tips to cut your premiums while maximizing coverage. Finding the best rates is not rocket science. Consumers only need to know the most efficient way to shop for car insurance over the internet.

Auto Insurance Discounts

Insurance can cost an arm and a leg, but there’s a good chance there are discounts that can help lower your rates. Many of these discounts will be applied automatically at the time of quoting, but less common discounts must be asked about before being credited.

  • Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Good Students Pay Less – Being a good student could provide a savings of up to 20% or more. This discount can apply until age 25.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course in school.
  • Pay Early and Save – By paying your policy upfront as opposed to paying monthly you may have a lower total premium amount.
  • Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents so you can save 10 percent or more.
  • Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and will qualify for a discount on a insurance quote.
  • Discounts for Responsible Drivers – Drivers who avoid accidents can save as much as half off their rates for Jetta insurance compared to rates paid by drivers with frequent claims.
  • Safety Restraint Discount – Forcing all vehicle occupants to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.

Don’t be shocked that most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Popular auto insurance companies and some of the discounts can be read below.

  • Farmers Insurance offers discounts for business and professional, switch companies, youthful driver, distant student, alternative fuel, and early shopping.
  • Esurance may offer discounts for Switch & Save, multi-car, safety device, claim free, renters, Pac-12 alumni, and good driver.
  • State Farm has discounts for passive restraint, multiple autos, anti-theft, student away at school, and Drive Safe & Save.
  • Geico has savings for emergency military deployment, daytime running lights, military active duty, anti-lock brakes, and anti-theft.
  • Allstate discounts include anti-lock brakes, FullPay discount, new car, premier plus, eSmart discount, and EZ pay plan discount.

Before buying, ask each company or agent to give you their best rates. Some of the earlier mentioned discounts may not apply to policyholders in every state.

How much does car insurance cost?

Most companies make it easy to get coverage prices from their websites. Getting quotes doesn’t take much effort as you simply type in the coverages you want as requested by the quote form. Behind the scenes, their rating system automatically orders information on your driving record and credit history and returns a price based on these factors. Being able to quote online makes it a lot easier to compare rates but the process of having to visit each company’s website and repetitively fill out multiple forms is a waste of time. But it is imperative to have as many quotes as possible if you want to find the lowest price.

There is an easier way!

The quickest way to lower your rates makes use of a single form to return rates from a bunch of companies at once. The form is fast, requires much less work on your part, and makes price shopping online much easier to do. Immediately after you send the form, it gets priced and you can select any one of the resulting price quotes.

If you find a better price you can click and sign and purchase the new policy. The whole process can be completed in a matter of minutes and can result in significant savings.

To find out how much you can save on car insurance, click here to open in a new tab and begin entering your coverage information. If you have your current policy handy, we recommend you complete the form with deductibles and limits exactly as shown on your declarations page. Using the same limits helps guarantee you are getting rate comparison quotes based on identical coverages.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can help discover whether you might need an agent’s assistance.

  • Am I missing any policy discounts?
  • Is upholstery damage covered by car insurance?
  • Am I covered when using my vehicle for business?
  • Should I have combined single limit or split liability limits?
  • Am I covered when driving a rental car?
  • Am I covered by my spouse’s policy after a separation?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Can you really save that much by switching?

Consumers can’t escape the ads for the lowest price insurance coverage by State Farm, Geico and Progressive. All the ads seem to make the promise about saving some big amount if you get a free insurance quote and switch your coverage.

How is it possible that every company can save you money? Here is how they do it.

Most companies quote their best rates for the driver that earns them the highest profit. A good example of a profitable risk profile may need to be over the age of 50, has no driving citations, and the vehicle is rated for pleasure use. Any person who fits those characteristics gets the lowest rates and will most likely save a lot if they switch.

Drivers who fall outside these stringent criteria will probably have to pay higher prices and this results in the prospect going elsewhere. The wording the ads use say “drivers who switch” not “everybody who quotes” can get the lowest rates when switching. This is how companies can lure you into getting a quote.

This really illustrates why you should compare free insurance quotes often. Because you never know which insurance coverage company will give you the biggest savings.

Auto insurance coverage considerations

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most auto insurance policies.

Collision coverage protection

Collision insurance covers damage to your Jetta from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like scraping a guard rail, backing into a parked car, colliding with another moving vehicle, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Coverage for liability

Liability coverage provides protection from damage that occurs to a person or their property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims like funeral expenses, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as X-ray expenses, rehabilitation expenses, ambulance fees and pain medications. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, falling objects, a broken windshield, 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 consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants 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. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Be a Smart Shopper

As you quote insurance, you should never skimp on coverage in order to save money. In many instances, an insured cut uninsured motorist or liability limits and learned later that it was a big mistake. The ultimate goal is to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

More affordable auto insurance is definitely available on the web and from local insurance agents, so you need to shop insurance with both in order to have the best chance of saving money. A few companies may not have the ability to get quotes online and usually these regional carriers provide coverage only through local independent agents.

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