Cheap 2005 Volkswagen Jetta Insurance Rates

Cutting costs on Driversauto insurance could be kind of frustrating for beginners to online comparison shopping. Because there are so many insurance companies available, it can turn into hard work to find better rates.

Auto insurance discounts help slash rates

Car insurance is not cheap, but there’s a good chance there are discounts to cut the cost considerably. Some of these disounts will be visible when you get a quote, but some need to be specially asked for prior to getting the savings.

  • Auto/Home Discount – If you can combine your auto and homeowners policy and insure them both with the same insurance company you may earn up to 20% off your total premium.
  • Driver Training Discounts – Passing a defensive driver course may get you a small discount if your company offers it.
  • Auto/Life Discount – If the company offers life insurance, you could get better auto insurancerates if you take out some life insurance too.
  • ABS Braking Discount – Cars with ABS and/or traction control can avoid accidents and will save you 10% or more.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper since new vehicles are generally safer.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on Jetta insurance than their less cautious counterparts.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it can save substantially.
  • Employee of Federal Government – Having worked for a branch of the government could provide a small rate reduction on Jetta insurance but check with your company.
  • Accident Forgiveness – Not a discount per se, but a few companies such as Allstate and GEICO allow you one accident before raising your premiums so long as you are claim-free prior to the accident.
  • Homeowners Discount – Simply owning a home may earn you a small savings since owning and maintaining a home is proof of financial responsibility.

Don’t be surprised that some of the credits will not apply to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, you won’t be that lucky. Any amount of discount will help lower your policy premiums.

To find auto insurance companies who offer auto insurance discounts, click here to view.

How to get free auto insurance quotes online

When shopping for auto insurance there are multiple ways of comparing price quotes from different insurance companies. The fastest way to compare rates involves getting comparison quotes online. This is quite simple and can be completed in a couple minutes as outlined below.

  1. One of the fastest ways to get quotes is a comparison rater form like this one (opens in new window). This style of form prevents you from having to do repetitive form entry for each price estimate. A single, simple form compares rates from multiple low-cost companies.It’s the quickest way to get rates.
  2. A harder way to analyze rates consists of visiting each individual company website and request a quote. For example, let’s assume you need rates from State Farm, Esurance and GEICO. To get each rate you have to visit each site to input your insurance information, which can get old fast. To view a list of companies in your area, click here.
  3. The old school method to quote and compare insurance rates to and from local insurance agencies. The ability to buy insurance online makes this unnecessary unless your situation requires the peace of mind that only an agent can give. Some companies do allow you to compare the best prices online and still use a local agent.

You can choose any of those ways to find more affodable coverage, but ensure you’re using equivalent quote information on every price quote you get. If each company quotes differing limits it will be next to impossible to make a fair comparison for your Volkswagen Jetta. Quoting even small variations in insurance coverages or limits may result in large price differences. And when comparing auto insurance rates, know that more quotes helps improve the odds of finding the best rates. Some companies don’t provide rate quotes online, so it’s important to compare quotes from those companies as well.

Informed drivers save money

The best way to find cheaper insurance coverage is to take a look at the different types of things that are used to determine the price you pay for insurance coverage. If you have some idea of what impacts premium levels, this enables you to make decisions that will entitle you to better insurance coverage rates. Many factors are part of the calculation when you quote your car insurance policy. Most are fairly basic such as your driving history, although others are not as apparent like where you live or how financially stable you are.

  • Cheaper premiums for prior coverage – Driving without insurance coverage in place is illegal and any future policy may cost more because you let your coverage lapse. And not only will your rates increase, the inability to provide proof of insurance could earn you a fine, jail time, or a revoked license.
  • Safer cars cost less to insure – Vehicles with good safety scores tend to have lower insurance rates. Safer cars reduce occupant injuries and reduced instances of injuries means less money paid by your insurance company and cheaper rates on your policy. If your Volkswagen Jetta is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
  • Where do you drive? – Driving more miles every year the more you will pay for insurance coverage. Almost all companies calculate prices based on how the vehicle is used. Vehicles left parked in the garage get more affordable rates than vehicles that have high annual mileage. A policy that improperly rates your Jetta may be costing you higher rates. It’s always a good idea to double check that your vehicle rating reflects the correct driver usage, because improper ratings can cost you money.
  • Consolidating policies can get discounts – Some insurance companies afford a discount to customers who carry more than one policy, otherwise known as a multi-policy discount. The discount can be ten or even fifteen percent. Even if you qualify for this discount already, consumers should still compare other company rates to guarantee you are still saving the most.There is a chance you can find lower rates by buying from different companies

Which is the best car insurance?

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether or not you might need professional guidance.

  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need PIP coverage since I have good health insurance?
  • When should I drop full coverage on my 2005 Volkswagen Jetta?
  • Can I get a multi-policy discount?
  • At what point should I drop full coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is no-fault insurance?
  • Is extra glass coverage worth it?
  • How can I get high-risk coverage after a DUI?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, complete this form.

Insurance coverages explained

Learning about specific coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Volkswagen Jetta.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like fire damage, a tree branch falling on your vehicle, damage from flooding and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses for EMT expenses, hospital visits and funeral costs. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – This coverage provides protection from damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as pain and suffering, structural damage, legal defense fees, court costs and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Collision – Collision insurance covers damage to your Jetta resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like backing into a parked car, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Online plus local equals savings

Insureds change insurance companies for a variety of reasons including lack of trust in their agent, poor customer service, unfair underwriting practices and even denial of a claim. Regardless of your reason, switching companies can be pretty painless.

We covered many tips how you can get a better price on 2005 Volkswagen Jetta insurance. The key thing to remember is the more times you quote, the better likelihood of getting affordable insurance. You may even find the best price on insurance coverage is with a company that doesn’t do a lot of advertising.

Low-cost 2005 Volkswagen Jetta insurance can be bought online and from local agencies, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not offer the ability to get quotes online and usually these regional carriers provide coverage only through independent insurance agencies.

More detailed insurance coverage information can be found in these articles: