2000 Volkswagen Jetta Insurance Rates

There isn’t anyone who fancies paying their premiums for insurance, especially knowing they could find lower prices if they just compared rates.

Because there are so many choices of insurance companies, it can be diffult for drivers to locate a more affordable insurer.

Shop auto insurance online

There are several ways you can shop for auto insurance but there is one way that is less labor-intensive and much quicker. You can waste a lot of time driving to insurance companies in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Many popular insurance companies participate in a marketplace that allows shoppers to enter their policy data once, and at least one company can provide price quotes based on that data. This saves time by eliminating quotation requests to each company.

To find out how much you can save on auto insurance click to open in new window.

The single downside to doing it this way is buyers cannot specifically choose the providers to get quotes from. So if you want to choose individual companies to request quotes from, we put together a list of companies who write auto insurance in your area. Click here to view list.

The approach you take is up to you, just try to keep identical quote information for each quote you get. If you are comparing different limits and deductibles on each one it will be nearly impossible to determine the best price for your Volkswagen Jetta. Having just a slight variation in limits may result in a large different in cost. And when price shopping your coverage, having more price comparisons helps increase your odds of locating a better price. Not every company provides price estimates online, so you also need to get price quotes from them as well.

Discounts can really help save money

Some providers don’t always publicize the entire discount list in a way that’s easy to find, so the below list has both the well known and also the more inconspicuous discounts that you may qualify for.

  • Early Switch Discount – Some companies reward drivers for buying a new policy prior to your current policy expiration. You may see this discount when you get insurance quotes online.
  • Multiple Cars – Drivers who insure all your vehicles with the same car insurance company can reduce rates for all insured vehicles.
  • Distant Student – College-age children living away from home attending college without a vehicle on campus could get you a discount.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts may qualify for discounts of 25 to 30%.
  • Membership in Organizations – Having an affiliation with qualifying employment or professional organizations could qualify you for a break on your next car insurance statement.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, nobody gets a free ride.

Larger car insurance companies and some of the discounts are shown below.

  • State Farm may have discounts that include passive restraint, good driver, safe vehicle, multiple autos, defensive driving training, and student away at school.
  • Farmers Insurance offers premium reductions for bundle discounts, business and professional, youthful driver, good student, electronic funds transfer, and switch companies.
  • GEICO offers discounts including daytime running lights, air bags, five-year accident-free, seat belt use, multi-policy, membership and employees, and anti-theft.
  • American Family has savings for accident-free, multi-vehicle, mySafetyValet, good student, and TimeAway discount.
  • Nationwide may offer discounts for easy pay, family plan, defensive driving, good student, accident-free, multi-policy, and business or organization.
  • Progressive may include discounts for multi-policy, homeowner, good student, online signing, and continuous coverage.

If you are trying to find cheap insurance quotes, ask each company which discounts you qualify for. Some discounts may not apply to policyholders in your area. To see a list of insurers who offer cheap car insurance quotes, click here to view.

Will just any policy work for me?

When it comes to choosing the right insurance coverage, there is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help you determine if your situation may require specific advice.

  • When does my teenage driver need to be added to my policy?
  • Is my cargo covered for damage or theft?
  • What is medical payments coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I better off with higher deductibles on my 2000 Volkswagen Jetta?
  • What is PIP insurance?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have newly-aquired coverage?
  • Why do I only qualify for high-risk insurance?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

How car insurance companies calculate Volkswagen Jetta insurance premiums

It’s important that you understand some of the elements that help determine your policy premiums. If you understand what determines premiums, this helps enable you to make changes that can earn you lower premium levels. Many factors are part of the calculation when premium rates are determined. Some of the criteria are obvious such as your driving record, but other factors are more transparent like your vehicle usage or your commute time.

  • Do you have enough liability insurance? – Liability insurance provides coverage when you are found liable for causing personal injury or damage in an accident. It provides you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • More than one policy can earn a discount – Most major companies will give a discount to buyers who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. If you currently are using one company, you may still want to comparison shop to make sure you are getting the best deal. Drivers may still find a better deal even if you insure with multiple companies
  • Battle of the sexes – Over the last 50 years, statistics have shown that females take fewer risks when driving. It does not mean males are worse at driving than females. They both are in fender benders at a similar rate, but guys have accidents that have higher claims. Not only that, but men also receive more major tickets such as reckless driving. Young males cause the most accidents and thus pay the highest rates.
  • Drive less and save – The higher the miles on your Volkswagen in a year the more you’ll pay to insure it. Most companies apply a rate partially by how you use the vehicle. Autos that have low annual miles qualify for better rates than those used for commuting. A policy that improperly rates your Jetta is throwing money out the window. It’s a good idea to make sure your car insurance coverage correctly shows the correct usage.
  • Single drivers take more risk – Walking down the aisle may earn you lower rates on your car insurance bill. Having a significant other may mean you are less irresponsible and it’s statistically proven that married drivers tend to file fewer claims.
  • Higher physical damage deductibles are cheaper – Physical damage protection, also called comprehensive and collision insurance, protects your Volkswagen from damage. Examples of covered claims are a dented fender, damage caused by hail, and having your car stolen. Physical damage deductibles are the amount of money you are required to spend out-of-pocket if a covered claim is submitted. The larger the amount you are required to pay out-of-pocket, the better rate you will receive for Jetta insurance.
  • Youthful vs. older drivers – Young drivers have a tendency to be more careless when driving with friends and because of this, their car insurance rates are much higher. Mature drivers have been proven to be more responsible, cost insurance companies less in claims , and are generally more financially stable.
  • Remove unneeded add-on coverages – Policies have add-on coverages that you can buy if you aren’t diligent. Things like coverage for rental cars, towing coverage, and term life insurance may be costing you every month. These coverages may sound good when talking to your agent, but if you have no use for them remove them from your policy.

Insurance coverage specifics

Understanding the coverages of insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are typical coverages found on the average insurance policy.

Comprehensive coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, damage from a tornado or hurricane, hitting a deer, a tree branch falling on your vehicle and rock chips in glass. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverages – This coverage pays for damage to your Jetta caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a mailbox, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Liability auto insurance – Liability coverage will cover injuries or damage you cause to other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like court costs, funeral expenses, loss of income and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Jetta.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for bills like X-ray expenses, prosthetic devices and dental work. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Shop. Compare. Save.

In this article, we presented a lot of information how to get a better price on 2000 Volkswagen Jetta insurance. The key concept to understand is the more you quote insurance, the better your chances of lowering your premium rates. You may even find the biggest savings come from some of the lesser-known companies. Smaller companies may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.

When getting insurance quotes online, do not buy poor coverage just to save money. There are many occasions where an insured cut physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Even more information can be found by following these links: