Cheap 2003 Volkswagen Jetta Insurance Rates

I can’t think of anyone who gets a kick out of paying for insurance, in particular when their premiums are through the roof. There is such a variety of insurance companies to purchase coverage from, and although it’s a good thing to have a selection, more choices can make it harder to get the best deal.

How to compare car insurance price quotes

There are multiple methods to compare car insurance prices and some are less time-consuming than others. You could waste a few hours driving to agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

Most major companies participate in a marketplace that allows shoppers to submit one quote, and every company provides a quote. This saves time by eliminating form submissions for every car insurance company.

To compare rates using this form now click to open in new window.

The one disadvantage to comparing rates this way is that you can’t choose the providers you will receive quotes from. If you prefer to choose individual companies to compare rates, we have a listing of car insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make darn sure you compare the exact same quote information for each price quote. If you are comparing differing limits you can’t possibly find the best deal for your Volkswagen Jetta.

Verify you’re earning every discount

Companies that sell car insurance don’t always list all possible discounts in an easy-to-find place, so the list below details both well-publicized as well as the least known credits available to bring down your rates. If you do not check that you are getting every discount you qualify for, you’re just leaving money on the table.

  • Resident Student – Kids who live away from home to go to college and do not take a car to college can receive lower rates.
  • Discount for Life Insurance – If the company offers life insurance, you could get better insurancerates if you take out a life policy as well.
  • Paperless Signup – Many companies will give a small break for buying your policy over the internet.
  • 55 and Retired – If you qualify as a senior citizen, you can get better insurance rates for Jetta insurance.
  • Theft Deterent – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.
  • Discounts for Cautious Drivers – Drivers who don’t get into accidents can save as much as half off their rates for Jetta insurance as compared to drivers with claims.
  • Safety Course Discount – Taking time to complete a driver safety class could cut 5% off your bill and easily pay for the cost of the class.
  • No Charge for an Accident – but companies like Progressive, State Farm and GEICO permit an accident before your rates go up so long as you are claim-free for a certain period of time.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.

Discounts save money, but please remember that most discounts do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like it’s possible to get free car insurance, you aren’t that lucky.

For a list of insurance companies that offer multiple discounts, click this link.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For example, these questions can aid in determining if your situation will benefit from professional help.

  • Is pleasure use cheaper than using my 2003 Volkswagen Jetta to commute?
  • Do I have coverage for damage caused while driving under the influence?
  • Does insurance cover damages from a DUI accident?
  • How do I buy GAP insurance?
  • How do I file an SR-22 for a DUI in my state?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Are split liability limits better than a combined single limit?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can my babysitter drive my car?
  • Do I need more liability coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Smart buyers can cut their insurance rates

Many different elements are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, but other factors are less obvious like your vehicle usage or how safe your car is.A large part of saving on car insurance is knowing a few of the rating criteria that come into play when calculating the level of your policy premiums. If you understand what determines premiums, this allows you to make good choices that could result in better car insurance rates.

  • Safer cars are cheaper to insure – Cars with high safety ratings cost less to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and reduced instances of injuries means less money paid by your insurance company and more competitive rates for policyholders.
  • Careless drivers pay higher rates – Careful drivers pay less for auto insurance than bad drivers. Having just one chargable violation may increase your cost substantially. Drivers who have gotten multiple citations such as DUI, reckless driving or excessive speeding are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
  • Insurance claims cost money – If you frequently file small claims, don’t be surprised to see either higher rates or even cancellation. Auto insurance companies give better rates to policyholders who only file infrequent claims. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Stressful vocation may mean higher car insurance rates – Occupational choices like military personnel, business owners and medical professionals are shown to have higher rates than the rest of us attributed to stressful work requirements and long work days. Other occupations like actors, students and homemakers have the lowest average rates for Jetta insurance.
  • Discounts for alarm systems – Buying a car with a theft deterrent system can earn a premium discount. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all help stop car theft and help bring rates down.
  • Do you really need the incidental coverages? – There are a lot of additional extra coverages that you can get tricked into buying on your car insurance policy. Insurance for things like rental car reimbursement, better glass coverage, and term life insurance may be costing you every month. They may seem like a good idea when talking to your agent, but your money might be better spent on other coverage so get rid of them and save.
  • Higher comp and collision deductibles are cheaper – Comprehensive and collision coverage deductibles tell how much you are willing to pay out-of-pocket if a claim is determined to be covered. Insurance for physical damage to your car, also called comprehensive and collision insurance, covers damage that occurs to your car. Some examples of claims that would be covered are a windshield broken by a bird, damage caused by hail, and having a roll-over accident. The more of the claim you have to pay, the lower your rates will be for Jetta insurance.
  • Urban areas may pay more – Choosing to live in less populated areas of the country has definite advantages when talking about car insurance. Lower population means reduced accidents in addition to lower liability claims Drivers who live in large cities regularly have more traffic problems and longer commutes to work. More time on the road translates into higher accident risk.

Auto insurance 101

Having a good grasp of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, backing into a parked car, crashing into a building, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. 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 a good idea.

Comprehensive coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, damage from a tornado or hurricane and fire damage. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like dental work, surgery and ambulance fees. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for liability – Liability insurance protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like repair bills for other people’s vehicles, medical services, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Knowledge is power

In this article, we presented some good ideas how you can lower your 2003 Volkswagen Jetta insurance premium rates. It’s most important to understand that the more providers you compare, the better likelihood of getting cheap car insurance. Consumers may even find the lowest premium rates are with a lesser-known regional company. Regional companies can often provide lower prices in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.

Discount 2003 Volkswagen Jetta insurance is attainable on the web and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some auto insurance companies do not offer rates over the internet and most of the time these small, regional companies only sell coverage through independent agents.

As you restructure your insurance plan, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, an insured cut comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at the best price while still protecting your assets.

More resources