1992 Volkswagen Jetta Insurance Quotes – 7 Policy Discounts

If you’ve never shopped for insurance quotes online, there’s a good chance you are overwhelmed by the confusing number of companies that all promise the best rates.

It’s smart to compare premium rates as often as possible because insurance prices are rarely the same from one policy term to another. Even if you got the best quotes on Jetta coverage a few years ago other companies may now be cheaper. There is too much inaccurate information about car insurance on the internet, but we’re going to give you some solid techniques on how to lower your car insurance bill.

Insurance discounts help slash rates

Not many people think insurance is cheap, but you may be missing some discounts to cut the cost considerably. Some of these disounts will be visible at the time you complete a quote, but some must be manually applied before being credited.

  • Military Rewards – Having an actively deployed family member can result in better prices.
  • Discounts for Government Workers – Employees or retirees of the government may qualify for a discount when you quote insurance on Jetta coverage with a few insurance companies.
  • Early Switch Discount – A few companies offer discounts for renewing your policy prior to your current policy expiration. Ten percent is about the average savings.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently so companies will give you a small discount.
  • Anti-lock Brake System – Vehicles with ABS and/or traction control prevent accidents and earn discounts up to 10%.
  • Driver Education Discount – Cut your cost by having your teen driver enroll in driver’s education as it will make them better drivers and lower rates.
  • Use Seat Belts – Buckling up and requiring all passengers to fasten their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.

As a footnote on discounts, many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, nobody gets a free ride.

The best insurance companies and some of their more popular discounts are detailed below.

  • GEICO may have discounts that include membership and employees, five-year accident-free, defensive driver, multi-vehicle, multi-policy, seat belt use, and federal employee.
  • MetLife offers premium reductions for good student, accident-free, claim-free, multi-policy, defensive driver, and good driver.
  • State Farm discounts include good driver, passive restraint, multiple autos, student away at school, and defensive driving training.
  • Progressive offers discounts including online quote discount, homeowner, continuous coverage, online signing, and multi-policy.
  • Mercury Insurance policyholders can earn discounts including good student, location of vehicle, age of vehicle, low natural disaster claims, and type of vehicle.
  • 21st Century may offer discounts for teen driver, student driver, driver training, air bags, 55 and older, and automatic seat belts.
  • Allstate has discounts for EZ pay plan discount, anti-theft, anti-lock brakes, resident student, teenSMART discount, eSmart discount, and economy car.

Before purchasing a policy, check with every insurance company how you can save money. Some of the discounts discussed earlier might not be available to policyholders in every state.

Which is the best auto insurance?

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.

These are some specific questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Do I need an umbrella policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I benefit by insuring my home with the same company?
  • Do I need special endorsements for business use of my vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • When would I need rental car insurance?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.

Information about specific coverages

Knowing the specifics of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 1992 Volkswagen Jetta.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as driving through your garage door, sustaining damage from a pot hole, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Auto liability insurance – This provides protection from damages or injuries you inflict on other’s property or people. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as structural damage, court costs, loss of income and legal defense fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as chiropractic care, dental work, rehabilitation expenses and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive auto insurance – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, fire damage, damage from a tornado or hurricane, hail damage and a broken windshield. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

You can do this!

In this article, we presented quite a bit of information on how to lower your 1992 Volkswagen Jetta insurance prices. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the best price on insurance coverage is with some of the smallest insurance companies.

Some companies don’t offer online quoting and usually these small insurance companies prefer to sell through independent agencies. More affordable insurance coverage can be bought both online and from local insurance agents, so you need to compare both so you have a total pricing picture.

Insureds leave their current company for a variety of reasons including delays in paying claims, policy cancellation, lack of trust in their agent and questionable increases in premium. No matter why you want to switch, finding a great new company is pretty simple and you could end up saving a buck or two.

Much more information about insurance coverage can be found at the links below