Cheap 1995 Volkswagen Jetta Insurance Rates

Trying to find cheaper insurance for a Volkswagen Jetta could be a painful process, but you can use a few tricks to save time. There is a better way to compare car insurance rates and you need to know the absolute fastest way to quote coverages for a new or used Volkswagen and get the lowest price from local insurance agents and online providers.

Smart consumers take time to compare prices as often as possible because insurance prices are variable and change quite frequently. Just because you found the best deal on Jetta insurance six months ago there is a good chance you can find better rate quotes now. Ignore everything you know about car insurance because it’s time to teach you the things you must know in order to lower your annual insurance bill.

Get lower-cost rates with these discounts

Companies that sell car insurance don’t always list every discount they offer very clearly, so the next list breaks down both well-publicized and also the lesser-known car insurance savings.

  • Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
  • Telematics Data Discounts – People who choose to allow driving data submission to spy on their driving habits by using a telematics device such as Progressive’s Snapshot may get a rate reduction if they have good driving habits.
  • Online Discount – Certain car insurance companies provide a small discount just for signing your application over the internet.
  • Save over 55 – Drivers over the age of 55 could receive a slight reduction on a auto insurance quote on Jetta insurance.
  • Claim-Free Discount – Good drivers with no accidents can save substantially in comparison with policyholders that have many claims.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on Jetta insurance with certain companies.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life insurance policy as well.

Please keep in mind that some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, you won’t be that lucky.

Companies that have some of the above discounts include:

If you are trying to find inexpensive auto insurance quotes, ask each company or agent which discounts can lower your rates. Some of the earlier mentioned discounts may not be offered in your area.

Find Volkswagen Jetta insurance more affordably

Many factors are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but some are less obvious such as whether you are married and annual miles driven.

  • Bundle home and auto and save – Most major insurers will award a discount for people that have more than one policy, otherwise known as a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to compare rates to help ensure you have the lowest rates.
  • Tickets drive up prices – Even one ticket can increase the cost of insurance by as much as thirty percent. Careful drivers receive lower rates compared to bad drivers. People who have multiple tickets like DUI or willful reckless driving are required to file a SR-22 with their state’s department of motor vehicles in order to keep their license.
  • Don’t buy incidental coverages that aren’t used – There are a ton of extra coverages that can add up on your auto insurance policy. Coverage for things like vanishing deductibles, better glass coverage, and extra equipment coverage may not be needed and are just wasting money. They may seem like a good idea initially, but your needs may have changed so think about removing them and cutting costs.
  • Deter theft and save – Owning a car with a theft deterrent system can help lower your rates. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft and help bring rates down.
  • Don’t cancel your auto insurance policy without a new one in place – Not maintaining insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. And not only will insurance be more expensive, being ticketed for driving with no insurance will get you a steep fine or even jail time. Then you may be required to file a SR-22 with your state DMV.
  • Occupation and insurance rates – Careers such as military personnel, business owners and miners generally pay higher rates than the rest of us due to high stress levels and extremely grueling work hours. Other careers such as farmers, engineers and performers get better rates on Jetta insurance.

Insurance can be complex

When it comes to buying the best insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions can aid in determining whether you might need professional guidance.

  • How do I insure my teen driver?
  • Does coverage extend to Mexico or Canada?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Why do I only qualify for high-risk insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need rental car coverage?
  • Am I covered if I wreck a rental car?
  • Is my teen driver covered when they drive my company car?
  • What if I total my 1995 Volkswagen Jetta and owe more than it’s worth?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.

Educate yourself about auto insurance coverages

Understanding the coverages of your auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a bird, a broken windshield, hitting a deer and fire damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability

Liability insurance protects you from damages or injuries you inflict on other people or property that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims such as emergency aid, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

This pays for damage to your Jetta resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, crashing into a ditch, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

UM/UIM Coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Jetta.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for doctor visits, ambulance fees, X-ray expenses, EMT expenses and surgery. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Get your money’s worth

We just covered many ideas to save on 1995 Volkswagen Jetta insurance. The most important thing to understand is the more times you quote, the better likelihood of getting inexpensive auto insurance. You may even find the biggest savings come from some of the smallest insurance companies.

Consumers change insurance companies for many reasons like policy cancellation, poor customer service, high rates after DUI convictions and an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.

As you restructure your insurance plan, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at the best possible price while still protecting your assets.

For more information, feel free to visit the following helpful articles:

Comments About 1995 Volkswagen Jetta Insurance

  1. Phebe Cain

    I found affordable 1995 Volkswagen Jetta insurance from Allstate in Reno, Nevada.

  2. Tyree Turner

    Are Allstate or Allstate rates cheaper in Washington?

  3. Julio Gonzales

    Will Allstate do a SR22 in Charleston, WV?

  4. Rachell Lynch

    Here’s my info. I live in a small town just outside of Paterson, NJ. Got car insurance quotes from State Farm, Erie, and The General for my 1995 Volkswagen Jetta and I think I cut my rates about $20 each month. Left Auto-Owners to switch. Ask about discounts.

  5. Christia Graham

    Anyone like their agent?

  6. Albertina Ellis

    Does State Farm offer new car replacement?

  7. Bernice Merrill

    I’m from Fargo, ND. Checked online prices for a 1995 Volkswagen Jetta. Ended up at about $100 savings annually. Went with GEICO. Can still barely afford it. Only insure liability on my Jetta.

  8. Tammara Buckner

    Not sure if this is cheap. From northwest of Pittsburgh, PA. Went online for free insurance quotes for a 1995 Volkswagen Jetta. Ended up at about $90 savings annually. Went with 21st Century. Have a couple speeding tickets too. I don’t have comp or collision coverage.

  9. Otha Brennan

    Any companies in Newark, NJ that will insure a DUI?

  10. Kyle Powell

    Does New Mexico require liability coverage?

  11. Carroll Richmond

    Nice info. Got a quote with Erie for my Jetta and am saving around $70 a year. Have a couple speeding tickets too. I recommend comparing lots of rates.

  12. Renna Hess

    From Gaithersburg, MD. Went online for free insurance quotes for a 1995 Volkswagen Jetta. Ended up at about $80 savings annually. Went with GEICO. I have a couple other vehicles on the policy. It’s easy to compare rates online now.

  13. Yung Hutchinson

    Nice post. I live on the east side of Honolulu, HI. I quoted with American Family, Safeco, and some smaller one I can’t remember the name of for my Jetta and I think I cut my rates about $20 each month. Even increased my liability limits. I quoted rates online then called them.