View 2002 Volkswagen Jetta Insurance Cost

Searching for the cheapest car insurance rates for your Volkswagen Jetta? Do you get exhausted from not being able to afford to keep your car insured? You’re in the same situation as millions of other consumers.

Multiple insurers compete to insure your vehicles, so it can be very hard to choose a insurance company to discover the definitive best price available.

Don’t miss these rate-reducing discounts

Properly insuring your vehicles can get expensive, but there may be some discounts that you may not even know about. Many of these discounts will be applied automatically when you quote, but some need to be inquired about before being credited.

  • Payment Discounts – If you pay your bill all at once as opposed to paying monthly you could save up to 5%.
  • Club Memberships – Participating in qualifying clubs or civic groups is a good way to get lower rates when shopping for insurance coverage.
  • Government Employee Discount – Simply working for the federal government may reduce rates when you quote insurance coverage for Jetta coverage with certain companies.
  • Air Bags and Passive Restraints – Options like air bags or motorized seat belts can qualify for discounts of more than 20%.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents and will save you 10% or more.
  • Multiple Vehicles – Buying insurance for multiple cars or trucks with the same insurance coverage company can get a discount for every vehicle.
  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and earn discounts up to 10% off your insurance coverage quote.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. Just because you may think it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Larger insurance coverage companies and some of the discounts can be found below.

  • GEICO offers discounts for daytime running lights, emergency military deployment, federal employee, five-year accident-free, and anti-lock brakes.
  • Auto-Owners Insurance offers premium reductions for multiple vehicles, air bags, anti-theft, company car, paperless, mature driver, and group or association.
  • American Family offers discounts including good student, bundled insurance, air bags, TimeAway discount, and accident-free.
  • Esurance has discounts for Pac-12 alumni, anti-lock brakes, Switch & Save, online quote, and homeowner.
  • Progressive policyholders can earn discounts including continuous coverage, multi-vehicle, homeowner, online signing, multi-policy, and online quote discount.
  • State Farm includes discounts for Steer Clear safe driver discount, good student, accident-free, multiple autos, Drive Safe & Save, good driver, and defensive driving training.
  • AAA may have discounts that include pay-in-full, anti-theft, multi-policy, multi-car, good driver, good student, and education and occupation.

Before buying, ask all the companies to apply every possible discount. Some discounts might not be offered everywhere. To find insurance coverage companies with the best insurance coverage discounts, follow this link.

Do I need special coverages?

When buying adequate coverage, there really is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining if you will benefit from professional help.

  • Will filing a claim cost me more?
  • Where can I find high-risk insurance?
  • What are the financial responsibility laws in my state?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered if my car is in a flood?
  • Should I have a commercial auto policy?
  • When would I need rental car insurance?
  • What is covered by UM/UIM coverage?
  • Do I need PIP (personal injury protection) coverage in my state?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Car insurance coverages 101

Knowing the specifics of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on most car insurance policies.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, damage from flooding, hitting a deer and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses such as hospital visits, pain medications and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Liability car insurance

This coverage protects you from injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as legal defense fees, bail bonds, court costs, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for collisions

This covers damage to your Jetta resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, crashing into a ditch, sideswiping another vehicle 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 older vehicles. It’s also possible to bump up the deductible to bring the cost down.

More comparisons equals lower rates

In this article, we presented a lot of tips how to save on 2002 Volkswagen Jetta insurance. The key concept to understand is the more times you quote, the better your chances of lowering your premium rates. Consumers could even find that the lowest car insurance rates are with an unexpected company. They may often insure only within specific states and give getter rates than their larger competitors like GEICO and State Farm.

When searching for the cheapest insurance coverage quotes, it’s a bad idea to reduce needed coverages to save money. In many cases, someone dropped liability coverage limits only to discover later they didn’t have enough coverage. The ultimate goal is to find the BEST coverage for the lowest cost, but do not sacrifice coverage to save money.

Low-cost 2002 Volkswagen Jetta insurance can be sourced both online and also from your neighborhood agents, so get free insurance coverage quotes from both of them to have the best selection. A few companies do not offer rates over the internet and usually these regional carriers prefer to sell through independent agents.

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