Compare 2004 Volkswagen Jetta Car Insurance Quotes

High-priced auto insurance can consume your budget and possibly require you to analyze your spending habits. Getting a rate comparison is a smart way to cut your insurance bill.

You have multiple insurance companies to pick from, and although it’s nice to have a choice, more choices can make it harder to locate the cheapest rates.

Compare insurance quotes online

When shopping for inexpensive auto insurance quotes, there are a couple of ways to get quotes from many available insurance companies in your state. One of the best ways to comparison shop consists of shopping online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The simplest way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This quick form keeps you from doing separate quote forms for every insurance company. One simple form gets coverage cost estimates from multiple companies.
  2. A more time consuming way to shop for insurance online is going to each individual company website and fill out a new quote form. For sake of this example, let’s assume you want to see prices from Allstate, Farmers and Progressive. To get rate quotes you would need to spend time going to each site individually and enter your information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The least recommended method to price shop rates is going to different agent offices. Quoting and buying insurance online eliminates the middleman unless you have a need for the trained guidance that only an agent can give. It is possible with some companies compare online quotes but still have the advice of a local agent.

How you compare quotes is your choice, just be certain you are entering the same quote information for each price quote. If you use different data it will be impossible to determine which company has the best rates. Just slight variations in insurance coverages or limits may result in large price differences. Just keep in mind that comparing more rates from different companies will enable you to find better pricing. Not every company does online quotes, so you should also compare rates from those companies as well.

Use discounts on insurance

Insurance is expensive, but you can get discounts that you may not even know about. Certain discounts will be triggered automatically at the time of quoting, but once in a while a discount must be asked about in order for you to get them.

  • Smart Student Discounts – Being a good student can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Low Mileage – Maintaining low annual mileage could be rewarded with cheaper rates.
  • First Accident Forgiveness – This one isn’t a discount, but companies like Allstate and Progressive will allow you to have one accident without the usual rate increase so long as you haven’t had any claims for a certain period of time.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Save with More Vehicles Insured – Having more than one vehicle with one company may reduce the rate for each vehicle.
  • Safe Driver Discounts – Drivers who don’t get into accidents may receive a discount up to 45% on Jetta insurance as compared to drivers with claims.
  • Use Seat Belts – Forcing all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Theft Deterent System – Cars, trucks, and SUVs with anti-theft systems can help prevent theft and earn discounts up to 10% off your auto insurance quote.

We need to note that most credits do not apply to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, nobody gets a free ride.

If you would like to view insurance companies who offer insurance discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might help in determining whether or not you could use an agent’s help.

  • What is roadside assistance coverage?
  • Why do I only qualify for high-risk insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • What is the minimum liability in my state?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I need replacement cost coverage on my 2004 Volkswagen Jetta?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I benefit by insuring my home with the same company?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Insurance premiums are influenced by these factors

A large part of saving on insurance coverage is knowing the factors that are used to determine insurance coverage rates. If you have a feel for what influences your rates, this helps enable you to make changes that can earn you lower premium levels.

  • Responsible drivers pay lower prices – Even a single driving citation may increase your cost by as much as twenty percent. Good drivers have lower premiums than their less careful counterparts. Drivers who have gotten dangerous violations such as reckless driving or DUI may face state-mandated requirements to complete a SR-22 with their state in order to keep their license.
  • Older drivers pay less – Older insureds are proven to be safer behind the wheel, cause fewer claims and accidents and tend to be get fewer driving tickets.Young drivers have been known to be easily distracted with other occupants in the car therefore insurance coverage rates are much higher.
  • Single drivers take more risk – Your spouse can actually save you money compared to being single. It is viewed as being more mature than a single person it has been statistically shown that married couples file fewer claims.
  • No coverage gaps is important – Not having insurance is a misdemeanor and your next policy will cost more because you let your coverage cancel without a new policy in place. In addition to paying higher rates, being ticketed for driving with no insurance could earn you a steep fine or even jail time.
  • Your vocation may affect prices – Did you know that where you work can have an impact on rates? Careers like real estate brokerspolice officers and stock brokers have the highest average rates attributed to intense work-related stress and extremely grueling work hours. Other careers like scientists, athletes and performers get better rates on Jetta insurance.
  • Low physical damage deductibles mean high rates – The deductibles define the amount you are required to spend before your insurance coverage pays a claim. Physical damage protection, also called comprehensive and collision insurance, insures against damage to your car. Some examples of claims that would be covered are colliding with a stationary object, collision with a deer, and having a roll-over accident. The more expense the insured has to pay upfront, the lower your rates will be on Jetta insurance.
  • You may save more by bundling policies – Lots of companies provide a discount to insureds who have multiple policies with them. It’s known as a multi-policy discount. Even with this discount, it’s in your best interest to compare other company rates to ensure the best deal.There is a chance you can save more without the discount by buying insurance coverage from a different company.

Auto insurance coverage considerations

Knowing the specifics of auto insurance can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on most auto insurance policies.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with another moving vehicle, colliding with a tree, damaging your car on a curb, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses such as funeral costs, X-ray expenses and hospital visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance can cover damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as medical expenses, emergency aid, structural damage and funeral expenses. How much coverage you buy is up to you, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, a broken windshield, damage from flooding and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2004 Volkswagen Jetta.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

At the end of the day…

When shopping online for insurance, do not buy less coverage just to save a little money. In many cases, someone sacrificed liability limits or collision coverage only to regret they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.

Lower-priced 2004 Volkswagen Jetta insurance is attainable on the web in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not offer rate quotes online and these smaller providers work with independent insurance agencies.

More detailed insurance information can be found at these sites: