Cheaper 1998 Volkswagen Jetta Insurance Rates

Trying to find cheaper insurance rates for your Volkswagen Jetta? Nobody likes having to buy insurance, especially when it costs too dang much.

Insurance companies such as Allstate and Progressive continually hit you with catchy ads and it is difficult to ignore the flashy ads and effectively compare rates to find the best deal.

It’s important to take a look at other company’s rates before your next renewal because insurance rates are constantly changing. If you had the best premium rates for Jetta coverage a year ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the easiest way to properly buy coverages while reducing your premium.

If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. Choosing the best insurance company for you is not that difficult. Nevertheless, consumers must understand how insurance companies sell insurance online and use this information to your advantage.

Do you qualify for discount auto insurance?

Some insurers do not list every available discount very clearly, so we took the time to find both well-publicized in addition to some of the lesser obvious credits available to bring down your rates. If you check and find you aren’t receiving every discount possible, you may be paying too high a price.

Military Deployment Discount – Being on active duty in the military could trigger a small discount.
Telematics Data – Drivers who elect to allow their company to spy on driving manner by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks as long as the data is positive.
No Charge for an Accident – This one is not really a discount per se, but certain companies will forgive one accident before your rates go up if you have no claims for a certain period of time.
Student Discount for Driver Training – Have your child successfully complete driver’s ed class as it will make them better drivers and lower rates.
Renewal Discounts – Select auto insurance companies give a discount for buying a policy early. You could save around 10% when you buy insurance online.
Driver Training Discounts – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.

A quick disclaimer, many deductions do not apply the the whole policy. Most cut the cost of specific coverages such as medical payments or collision. Even though it may seem like all the discounts add up to a free policy, it just doesn’t work that way.

A few companies that may have most of these discounts include:

If you need affordable insurance quotes, ask each company or agent to give you their best rates. Savings may not be offered in your state. To locate auto insurance companies that offer some of these discounts, click here to view.

What insurance coverages do I need?

When it comes to buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions can aid in determining whether or not you would benefit from professional advice.

Do I really need UM/UIM coverage?
Does my policy pay for OEM or aftermarket parts?
What can I do if my company denied a claim?
Does having multiple vehicles earn me a discount?
Why am I required to get a high-risk car insurance policy?
How much underlying liability do I need for an umbrella policy?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Advertising and insurance

Big name companies like State Farm and Allstate consistently run ads on TV and radio. All the companies seem to make the promise that people will save if you just switch to their company. How does every company give you a lower rate? This is the way they can do it.

All the different companies have specific characteristics for the driver that is profitable for them. A good example of a profitable insured might be described as over age 30, carries full coverage, and drives less than 5,000 miles a year. A driver that hits that “sweet spot” receives the best rates and will save when switching.

Insureds who do not meet these stringent criteria must pay higher premiums and business going elsewhere. Company advertisements say “customers that switch” not “all people who quote” save that much. That’s the way insurance companies can confidently make it sound like they have such great car insurance rates. Because of this risk profiling, you should get insurance quotes from several different companies. It’s not possible to predict with any certainty which company will fit your personal profile best.

Car insurance coverage breakdown

Having a good grasp of a car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on most car insurance policies.

Auto liability

Liability coverage will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy 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 limit of $25,000 paid for damaged property.

Liability can pay for claims such as loss of income, funeral expenses, structural damage, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for doctor visits, X-ray expenses, nursing services, hospital visits and pain medications. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Volkswagen Jetta.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, damage from getting keyed, a tree branch falling on your vehicle and hail damage. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage covers damage to your Jetta resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, colliding with another moving vehicle, hitting a mailbox, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Make a quick buck

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

We just covered some good ideas how to compare 1998 Volkswagen Jetta insurance car insurance rates online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding inexpensive insurance. You may be surprised to find that the lowest priced auto insurance comes from the least-expected company. These companies may only write in your state and offer lower premium rates compared to the large companies like GEICO and State Farm.

Lower-priced 1998 Volkswagen Jetta insurance can be found both online and from local insurance agents, so you need to quote insurance with both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and most of the time these small, regional companies only sell coverage through local independent agents.