View 1999 Volkswagen Jetta Insurance Quotes

Trying to find cheaper insurance for your Volkswagen Jetta could be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to buy insurance coverage and you need to know the quickest way to quote coverages on a Volkswagen and find the best price possible from both online companies and local agents.

The Volkswagen Jetta insurance rate equation

Part of the car insurance buying process is learning the rating factors that help determine your policy premiums. When you know what positively or negatively determines base rates, this allows you to make educated decisions that may result in lower premium levels.

Shown below are most of the major factors used by insurance companies to determine your premiums.

  • Combine policies and save money – The majority of car insurance companies afford better rates to customers who buy several policies from them in the form of a multi-policy discount. Discounts can be 10 percent or more. Even if you already get this discount, drivers will still want to compare other insurance prices to confirm you are receiving the best rates possible.
  • With age comes responsibility – Older insureds tend to be more responsible, file fewer claims and tend to be get fewer driving tickets.Teen drivers are statistically shown to be inattentive and easily distracted with other occupants in the car so car insurance rates are higher.
  • Annual miles is a factor – The more you drive your Volkswagen annually the more it will cost to insure it. The majority of insurers calculate rates based upon how much you drive. Vehicles not used for work or commuting receive lower rates than vehicles that are driven to work every day. It’s a smart idea to ensure your vehicle rating shows how each vehicle is driven. Improper usage on your Jetta is throwing money out the window.
  • Alarms and GPS tracking lowers car insurance rates – Choosing to buy a car with advanced anti-theft systems can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft and help lower rates.
  • Where you live – Being located in a rural area can be a good thing when trying to find low car insurance rates. Fewer drivers and short commutes means less chance of accidents and lower theft and vandalism rates. Drivers in populated areas regularly have more traffic problems and longer commutes to work. The longer drive time means higher likelihood of an accident.

Compare quotes for insurance

Lowering your 1999 Volkswagen Jetta insurance rates is not a difficult process. The only requirement is to spend a little time comparing rates to find the company with affordable car insurance quotes. Rate comparisons can be done in several different ways.

  • The recommended way to find low rates is to use a rate comparison form click here to open form in new window. This method prevents you from having to do separate quote forms for each price estimate. Completing one form gets insurance cost estimates from multiple low-cost companies. This is by far the quickest method.
  • A more difficult way to get quotes online consists of visiting the website for every company you want to comare and get a separate price quote. For sake of this example, let’s assume you need rates from Liberty Mutual, 21st Century and GMAC. You would be required to navigate to each company’s site to input your insurance information, which is not fast way to get rate quotes.

    For a list of companies in your area, click here.

The method you choose is up to you, but be sure to compare the exact same coverage limits and deductibles for each quote you get. If the quotes have different deductibles you can’t possibly determine the best price for your Volkswagen Jetta.

Is there deception in advertising?

Drivers can’t ignore all the ads for insurance coverage savings by companies like Allstate and Progressive. They all seem to seem to make the promise that you’ll save big just by switching your insurance coverage coverage to their company.

How is it possible that every company can make almost identical claims? Just pay attention to how they say it.

All the different companies quote the lowest rates for the type of driver they prefer to insure. One example of a profitable customer might be a married male, has no claims, and has excellent credit. Anyone who fits that profile is entitled to the best price and will most likely save money with a new company.

People who cannot meet the ideal profile may be required to pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. If you listen closely, the ads state “people that switch” not “all people who quote” can save as much as they claim. This is how insurance companies can make claims like that. That is why you absolutely need to quote coverage with many companies. Because you never know which insurance companies will be your best fit.

Double check you’re getting these discounts

Insurance is not an enjoyable expense, but you might be missing out on some discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be requested specifically in order for you to get them.

  • Save over 55 – Drivers that qualify as senior citizens are able to get a small discount on rates for Jetta coverage.
  • Good Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates for Jetta coverage compared to rates paid by drivers with frequent claims.
  • Early Signing – Some insurance companies give discounts for buying a new policy prior to your current policy expiring. This can save 10% or more.
  • Government Employee Discount – Simply working for the federal government can save as much as 8% for Jetta coverage with select insurance companies.
  • Professional Organizations – Joining a professional or civic organization could qualify you for a break when shopping for insurance.
  • Use Seat Belts – Buckling up and requiring all passengers to fasten their seat belts can save 10% or more off the medical payments premium.

Don’t be surprised that some credits don’t apply the the whole policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because you may think all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any amount of discount will help lower your policy premium.

A few popular companies and a partial list of their discounts are shown below.

  • Farmers Insurance may include discounts for switch companies, business and professional, multi-car, distant student, youthful driver, and mature driver.
  • Esurance may offer discounts for homeowner, anti-theft, renters, safety device, defensive driver, paid-in-full, and claim free.
  • State Farm offers premium reductions for student away at school, passive restraint, accident-free, safe vehicle, and Steer Clear safe driver discount.
  • GEICO has savings for anti-lock brakes, five-year accident-free, emergency military deployment, good student, and multi-policy.
  • Allstate discounts include good student, utility vehicle, safe driver, EZ pay plan discount, anti-lock brakes, 55 and retired, and good payer.

If you need cheap car insurance quotes, ask all the companies to apply every possible discount. Depending on the company, some discounts may not apply in every state. To view insurers with discount rates, follow this link.

Special considerations

When it comes to buying the best insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if your situation might need professional guidance.

  • What is UM/UIM insurance?
  • Why does it cost so much to insure a teen driver?
  • When would I need rental car insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Does insurance cover damages from a DUI accident?
  • Is my 1999 Volkswagen Jetta covered for flood damage?
  • What is covered by UM/UIM coverage?
  • Is my dog or cat covered if injured in an accident?
  • Is extra glass coverage worth it?
  • How does medical payments coverage work?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance 101

Learning about specific coverages of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, rock chips in glass, hitting a deer and damage from flooding. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision protection

This coverage pays for damage to your Jetta resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like damaging your car on a curb, backing into a parked car, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like hospital visits, funeral costs, dental work and pain medications. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Auto liability insurance

This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as medical expenses, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Volkswagen Jetta.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

In Summary

We’ve covered many ways to save on 1999 Volkswagen Jetta insurance. The key thing to remember is the more you quote car insurance, the higher the chance of saving money. Consumers may even find the lowest premium rates are with a lesser-known regional company.

Cheap 1999 Volkswagen Jetta insurance is attainable online and also from your neighborhood agents, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who may not offer online quoting and usually these small insurance companies provide coverage only through independent insurance agencies.

As you restructure your insurance plan, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where someone dropped uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. Your objective should be to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

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