Searching for the cheapest insurance coverage rates for your Volkswagen Jetta? Have you had enough of paying out the nose to pay high insurance coverage rates every month? You have the same problem as millions of other vehicle owners. Companies like State Farm, Progressive and GEICO all claim big savings with ads and it is difficult to ignore the propoganda and effectively compare rates to find the best deal.
If you have insurance now or need a new policy, you can follow these tips to find the best rates and possibly find even better coverage. Finding the best rates is quite easy. Drivers only need an understanding of the most effective way to compare rates online.
There are several ways to compare auto insurance prices but there is one way that is more efficient than others. You could spend your day talking to agents in your area, or you could use online quotes to get rates in a matter of minutes.
Most major companies belong to an insurance system that enables customers to submit their information once, and each participating company returns a rated price based on that data. This system prevents you from having to do quote forms for each company you want a rate for.
To use this form to compare rates click here to open in new window.
The one disadvantage to using this type of system is you can’t choose the insurers to receive prices from. So if you want to choose individual companies to request quotes from, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.
Take whichever approach you prefer, but make absolute certain that you use identical coverage data with every price quote. If you use different limits and deductibles on each one you will not be able to make a fair rate comparison.
Some insurance providers don’t list the entire discount list very clearly, so we break down a few of the more common as well as some of the hidden discounts that may be available.
A little disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think all those discounts means the company will pay you, car insurance companies aren’t that generous. Any qualifying discounts should definitely cut the premium cost.
Insurance companies who might offer these money-saving discounts include:
If you are trying to find low cost insurance coverage quotes, ask all companies you are considering which discounts can lower your rates. All car insurance discounts might not be offered in your area. If you would like to view car insurance companies that offer the discounts shown above, click here.
When buying insurance coverage it’s important to understand some of the things that help calculate the rates you pay for insurance coverage. When consumers understand what determines premiums, this enables you to make decisions that may reward you with much lower annual insurance costs.
When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can help discover whether or not you could use an agent’s help.
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.
Consumers can’t get away from all the ads for insurance coverage savings from the likes of State Farm and Allstate. They all state the claim about savings if you move your coverage to them.
That’s great but how can every company cost less than your current company? Just pay attention to how they say it.
All companies quote their cheapest rates for the type of driver that will most likely be profitable. An example of this type of driver might be over the age of 45, has a low-risk occupation, and has a short commute. A propective insured that meets those criteria receive the lowest rate quotes and as a result will probably cut their rates substantially.
Insureds who fall outside those criteria will be quoted more expensive rates with the end result being business going elsewhere. Company advertisements say “people who switch” but not “all drivers who get quotes” save the amount stated. That is how insurance companies can make those claims.
This really emphasizes why it is so important to get insurance coverage quotes from several different companies. It is impossible to guess which insurance companies will have the lowest rates for your situation.
Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.
Liability insurance – This coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against other people’s claims. It does not cover 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. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.
Liability insurance covers claims like medical expenses, funeral expenses, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.
Collision – This coverage pays for damage to your Jetta from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like sustaining damage from a pot hole, hitting a mailbox, damaging your car on a curb, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Comprehensive protection – This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like theft, hail damage, a broken windshield and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Uninsured or underinsured coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your 1993 Volkswagen Jetta.
Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.
Medical expense coverage – Med pay and PIP coverage provide coverage for expenses like nursing services, prosthetic devices and funeral costs. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
In this article, we covered some good ideas how to get a better price on 1993 Volkswagen Jetta insurance. It’s most important to understand that the more you quote insurance coverage, the higher the chance of saving money. Consumers could even find that the most savings is with a lesser-known regional company. They may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, GEICO and Nationwide.
As you quote insurance coverage, do not reduce coverage to reduce premium. In many cases, someone sacrificed liability limits or collision coverage to discover at claim time that it was a big error on their part. Your aim should be to get the best coverage possible for the lowest price but still have enough coverage for asset protection.
More tips and info about insurance coverage can be found by following these links: