Lower Your 1993 Volkswagen Jetta Insurance Quotes

Wish you could get a refund on high-priced auto insurance? It’s quite common and you are not the only one feeling buyer’s remorse. Consumers have many auto insurance companies to pick from, and although it’s nice to have multiple companies, it makes it harder to find the lowest rates.

How to get free auto insurance quotes online

Comparing auto insurance rates can be a lot of work if you aren’t aware of the best way to get rate quotes. You can spend countless hours driving to local insurance agents in your area, or you can stay home and use online quotes to quickly compare rates.

Most of the larger companies belong to an insurance system where prospective buyers submit their information once, and each participating company can provide price quotes based on the submitted data. This saves time by eliminating quote forms for each company.

To compare pricing click here (opens in new window).

The only downside to pricing coverage this way is you can’t choose the companies you will receive quotes from. So if you want to choose specific insurance companies to compare, we have a page of the cheapest auto insurance companies in your area. Click to view list.

The method you choose is up to you, but ensure you are comparing the exact same coverage limits for each price quote. If your comparisons have different coverage information it will be very difficult to determine the best price for your Volkswagen Jetta.

How do I know if I need professional advice?

When choosing the right insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions could help you determine whether or not you could use an agent’s help.

Does coverage extend to Mexico or Canada?
Do I get a pro-rated refund if I cancel my policy early?
When should I not file a claim?
Can my babysitter drive my car?
When should I remove comp and collision on my 1993 Volkswagen Jetta?
Are rock chip repairs covered?
What is medical payments coverage?
Exactly who is provided coverage by my policy?
Which is better, split liability limits or combined limits?
Do I need rental car coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can help protect your family.

Insurance policy specifics

Understanding the coverages of a insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Coverage for collisions

This will pay to fix damage to your Jetta caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as driving through your garage door, hitting a parking meter, hitting a mailbox, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses for things like dental work, hospital visits, doctor visits, chiropractic care and funeral costs. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability insurance

Liability coverage can cover damage or injury you incur to people or other property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like medical services, legal defense fees, repair costs for stationary objects and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hail damage, fire damage and hitting a bird. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.