Trying to come up with a payment for expensive insurance coverage can bottom out your personal savings and force you to make sacrifices. Shopping your coverage around is a great way to lower your monthly bill.
Vehicle owners have many auto insurance companies to purchase coverage from, and although it’s nice to be able to choose, too many choices makes it more difficult to find the lowest rates.
Auto insurance companies don’t always advertise every disount available very well, so we researched a few of the more well known and the harder-to-find discounts that may be available.
Consumers should know that many deductions do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. So when it seems like all the discounts add up to a free policy, that’s just not realistic.
A few of the larger companies and the discounts they provide can be read below.
It’s a good idea to ask every company to apply every possible discount. Some discounts listed above might not be offered in your area.
Finding cheap 1996 Volkswagen Jetta insurance rates is an easy way to save money. All that’s required is to spend a little time getting comparison quotes from different insurance companies. Shoppers can get rates using one of these methods.
The most efficient way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for a different quote for each price estimate. In just a few minutes this one form gets insurance cost estimates from many national carriers.
A slightly less efficient method to find lower rates requires a trip to each company’s website and complete a new quote form. For instance, let’s assume you want to compare rates from Nationwide, State Farm and Travelers. You would need to take the time to go to each site to enter the same coverage data repeatedly, and that’s why the first method is more popular.
To view a list of companies in your area, click here.
Compare rates however you want, just ensure you’re using equivalent quote information with every price quote. If you use different liability limits it will be impossible to get a fair rate comparison.
When it comes to buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. For instance, these questions might help in determining if your insurance needs could use an agent’s help.
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.
Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on most auto insurance policies.
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Jetta.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Liability auto insurance – Liability insurance can cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability coverage pays for things such as medical expenses, attorney fees, funeral expenses, legal defense fees and bail bonds. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.
Comprehensive auto insurance – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as vandalism, rock chips in glass, fire damage, a tree branch falling on your vehicle and theft. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for claims like backing into a parked car, crashing into a building, damaging your car on a curb, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as funeral costs, pain medications, X-ray expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
When getting car insurance quotes online, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, someone sacrificed comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your aim should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.
Some insurance companies don’t offer the ability to get quotes online smaller companies prefer to sell through local independent agents. Cost effective 1996 Volkswagen Jetta insurance can be found on the web and with local insurance agents, so compare prices from both to get a complete price analysis.
Much more information about auto insurance is available at these links: