View 2008 Volkswagen Jetta Insurance Rates

Looking for lower insurance rates? Shoppers have lots of choices when shopping for low-cost Volkswagen Jetta insurance. They can either waste time calling around to get rate comparisons or save time using the internet to make rate comparisons. There are both good and bad ways to buy insurance and we’ll show you the proper way to compare rates for a new or used Volkswagen and locate the best price possible either online or from local insurance agents.

You should make it a habit to get comparison quotes on a regular basis since insurance rates are variable and change quite frequently. Despite the fact that you may have had the best deal on Jetta coverage six months ago there is a good chance you can find better prices now. Don’t believe everything you read about insurance online, but in just a couple of minutes you can learn some guaranteed methods to buy insurance cheaper.

Find hidden discounts on car insurance

Some insurers don’t necessarily list all available discounts very clearly, so the list below details a few of the more well known and the more hidden credits available to bring down your rates. If you do not double check each discount available, you are just wasting money.

  • Accident-Free Discounts – Insureds who avoid accidents and claims pay less in comparison to policyholders that have many claims.
  • Senior Citizen Discount – Drivers over the age of 55 may be able to get a small discount on rates on Jetta coverage.
  • Defensive Driving Course – Taking time to complete a safe driver course is a good idea and can lower rates and easily pay for the cost of the class.
  • Payment Method – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Seat Belts Save – Forcing all vehicle occupants to buckle their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • Theft Deterent Discount – Vehicles with anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your auto insurance quote.
  • Accident Waiver – This one isn’t a discount, but some insurance companies will forgive one accident without the usual rate increase if you are claim-free prior to being involved in the accident.
  • Renewal Discounts – A few larger companies offer discounts for switching to them before your current coverage expires. Ten percent is about the average savings.

One thing to note about discounts is that some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, car insurance companies aren’t that generous.

A few of the larger companies and a selection of discounts are detailed below.

  • American Family has discounts for TimeAway discount, defensive driver, Steer into Savings, air bags, good student, and good driver.
  • State Farm offers discounts including accident-free, multiple policy, anti-theft, student away at school, multiple autos, good driver, and Drive Safe & Save.
  • 21st Century includes discounts for automatic seat belts, early bird, air bags, theft prevention, and teen driver.
  • Travelers discounts include early quote, new car, driver training, home ownership, and hybrid/electric vehicle.
  • GEICO offers premium reductions for military active duty, membership and employees, defensive driver, anti-theft, and federal employee.

When comparing rates, check with all companies you are considering which credits you are entitled to. A few discounts might not be offered on policies in your area. If you would like to see a list of insurance companies that offer discounts, click here.

The cheapest insurance rate quotes

There are a lot of ways to compare insurance prices and some are less time-consuming than others. You could spend the better part of a day talking to agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

Many popular insurance companies take part in a program that enables customers to submit one quote, and each company can provide price quotes based on that information. This eliminates the need for quote forms for each company.

To fill out one form to compare multiple rates now click here to open in new window.

One minor caviat to doing it this way is you can’t choose the providers you want to price. So if you prefer to pick from a list of companies to compare prices, we have a page of companies who write insurance in your area. Click here to view list.

Whichever way you use, be sure to compare equivalent coverage data for each comparison quote. If you are comparing mixed coverages you can’t possibly make an equal comparison.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions can help discover whether you would benefit from an agent’s advice.

  • Is my 2008 Volkswagen Jetta covered for flood damage?
  • Is motorclub coverage worth it?
  • What is the minimum liability in my state?
  • What if I total my 2008 Volkswagen Jetta and owe more than it’s worth?
  • Do I have coverage if my license is suspended?
  • Do I need PIP coverage since I have good health insurance?
  • Can I afford low physical damage deductibles?
  • Do I have coverage when pulling a U-Haul trailer?
  • What are the financial responsibility laws in my state?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance specifics

Knowing the specifics of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses for things like rehabilitation expenses, ambulance fees and surgery. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability insurance

This protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like funeral expenses, repair bills for other people’s vehicles, medical services, attorney fees and loss of income. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2008 Volkswagen Jetta.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, a tree branch falling on your vehicle and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

The best insurance company isn’t always the cheapest

Consumers switch companies for a number of reasons such as denial of a claim, an unsatisfactory settlement offer, unfair underwriting practices and high rates after DUI convictions. Regardless of your reason, switching companies is easier than you think.

You just learned a lot of ways to shop for 2008 Volkswagen Jetta insurance online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced car insurance comes from a small local company.

Affordable 2008 Volkswagen Jetta insurance can be bought on the web as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not provide the ability to get a quote online and many times these regional carriers provide coverage only through independent agents.

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