1998 Volkswagen Jetta Car Insurance Quotes

Discounts reduce rates, but you should keep in mind that some of the credits will not apply the the whole policy. The majority will only reduce individual premiums such as comp or med pay. So when the math indicates you can get free auto insurance, insurance companies wouldn’t stay in business.

If you would like to see a list of providers with discount auto insurance rates, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique.

These are some specific questions may help you determine if your situation may require specific advice.

• How much can I save by bundling my policies?
• Do I need replacement cost coverage?
• Is my teenager covered with friends in the car?
• Why do I need rental car insurance?
• Do I need an umbrella policy?
• Can I make deliveries for my home business?
• How do I buy GAP insurance?
• Why am I required to get a high-risk car insurance policy?
• When do I need to add a new car to my policy?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Educated choices result in lower insurance premiums

When buying insurance it’s important to understand a few of the rating criteria that help calculate your policy premiums. When you understand what determines premiums, this enables informed choices that may result in cheaper rates. Lots of things are considered when pricing auto insurance. A few of the factors are predictable like your driving record, although others are more transparent like your continuous coverage or your commute time.

The itemized list below are most of the major factors used by companies to determine premiums.

• Small frequent insurance claims are not good – Companies award lower rates to policyholders that do not abuse their auto insurance. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Your car insurance is intended to be relied upon for more catestrophic claims.
• Does your occupation raise your premiums? – Do you work in a high-stress field? Occupational choices like real estate brokers, architects and accountants tend to pay higher premium rates because of high stress and extremely grueling work hours. On the flip side, jobs like professors, engineers and the unemployed have lower than average premiums for Jetta coverage.
• Discounts for married drivers – Having a spouse may earn you lower rates on your insurance policy. Having a significant other may mean you are more financially stable and insurance companies like that married couples file fewer claims.
• Prices impacted by vehicle usage – The more you drive in a year the more you will pay for insurance. A lot of insurance companies rate vehicles based upon how you use the vehicle. Vehicles that sit idle most of the time receive better premium rates than cars that get driven a lot. It’s a good idea to make sure your insurance declarations sheet properly reflects annual mileage. An incorrectly rated Jetta may be wasting your money.
• Extra coverages can cost a lot – There are quite a few extra add-on coverages that may not really be needed if you don’t pay attention. Coverage for things like rental car coverage, death and dismemberment, and extra equipment coverage may be costing you every month. You may think they are a good idea initially, but if they’re wasting money eliminate them to save money.
• You may save more by bundling policies – Most companies allow discounts to buyers who buy several policies from them such as combining an auto and homeowners policy. Discounts can be as much as ten percent or more Even with this discount, it’s always a smart idea to compare other company rates to verify if the discount is saving money. Drivers may still find lower rates even if you have your coverage with different companies
• Save money with high credit – Having a bad credit history is a big factor in calculating your premium rate. People that have excellent credit tend to file fewer claims than those with lower ratings. If your credit score is lower than you’d like, you could be paying less to insure your 1998 Volkswagen Jetta by taking the time to improve your credit score.

Detailed coverages of your car insurance policy

Learning about specific coverages of a car insurance policy aids in choosing which coverages you need for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like fire damage, hitting a deer and rock chips in glass. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Volkswagen Jetta.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these limits are similar to your liability insurance amounts.

Collision coverages – This will pay to fix damage to your Jetta caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, rolling your car, damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Liability – This protects you from damage that occurs to other’s property or people that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as emergency aid, funeral expenses, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like dental work, chiropractic care and doctor visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Never pay more for less

When searching for low cost car insurance quotes, it’s not a good idea to skimp on coverage in order to save money. In many cases, an accident victim reduced collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy the best coverage you can find at the best price while not skimping on critical coverages.

Throughout this article, we presented a lot of information how to reduce 1998 Volkswagen Jetta insurance car insurance rates online. It’s most important to understand that the more you quote car insurance, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with a lesser-known regional company.

Insureds leave their current company for a number of reasons such as denial of a claim, delays in responding to claim requests, extreme rates for teen drivers and questionable increases in premium. No matter why you want to switch, choosing a new company can be easy and end up saving you some money.

Even more information is located in these articles:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Rollover Crash FAQ (iihs.org)
• Alcohol Impaired Driving FAQ (iihs.org)
• Drunk Driving Statistics (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)