2000 Volkswagen Jetta Insurance Quotes

I can’t think of a single person who likes paying for car insurance, especially when they know it costs too dang much.

With so many choices, it can be diffult for people to find the lowest price insurance company.

You should make it a habit to price shop coverage as often as possible since insurance prices fluctuate regularly. Just because you had the lowest rates on Jetta insurance a couple years back other companies may now be cheaper. Don’t believe everything you read about car insurance online, but in a few minutes you can learn some of the best techniques to lower your car insurance premiums.

How your Jetta insurance costs are determined

Smart consumers have a good feel for a few of the rating criteria that are used to determine the price you pay for auto insurance. If you have a feel for what influences your rates, this helps enable you to make changes that can help you get lower rates. Many things are taken into consideration when you quote your car insurance policy. Some factors are common sense such as your driving history, although some other factors are more obscure such as whether you are married or your commute time.

The itemized list below are just a few of the factors companies use to determine your rate level.

  • Auto insurance policy lapses increase auto insurance rates – Allowing your auto insurance policy to lapse will be a guaranteed way to increase your renewal premiums. Not only will you pay more, getting caught without coverage will get you a hefty fine and possibly a revoked license.
  • Do safer cars cost less to insure? – Cars with five star safety ratings cost less to insure. Safe vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company which can mean better rates for you. If the Volkswagen Jetta scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Defend yourself with liability coverage – Liability insurance kicks in if you are determined to be liable for an accident. Your liability coverage provides legal defense coverage to defend your case. It is affordable coverage compared to other policy coverages, so buy as much as you can afford.
  • High deductibles equal low rates – Physical damage protection, termed comprehensive and collision coverage on your policy, insures against damage to your Volkswagen. Examples of covered claims are a broken side mirror, collision with an animal, and damage caused by flying debris. Comp and collision deductibles tell how much you are willing to pay in the event of a claim. The more the insured is willing to pay, the bigger discount you will receive on Jetta insurance.
  • If you don’t need it don’t buy it – Insurance companies have many extra coverages that you can buy if you aren’t careful. Insurance for vanishing deductibles, towing, and motor club memberships may be costing you every month. You may think they are a good idea when discussing your needs, but if you don’t need them get rid of them and save.
  • Safer cars impact premiums – Choosing to buy a car with an alarm system can help bring down rates. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder your vehicle from being stolen.
  • Married drivers get better premiums – Getting married helps lower the price when buying auto insurance. Having a spouse means you’re more responsible and statistics prove married drivers tend to have fewer serious accidents.
  • Credit rating impacts rates – Having a bad credit rating can be a huge factor in determining your rates. Drivers with high credit ratings tend to file fewer claims than drivers who have poor credit scores. So if your credit score could use some work, you could be paying less to insure your 2000 Volkswagen Jetta by spending a little time repairing your credit.

Verify you’re getting every discount

Auto insurance can be pricey, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply when you get a quote, but less common discounts must be specially asked for prior to receiving the credit.

  • Club Memberships – Participating in certain professional organizations is a good way to get lower rates when getting a insurance coverage quote.
  • Own a Home and Save – Being a homeowner can earn you a little savings because maintaining a house demonstrates responsibility.
  • Multiple Vehicles – Insuring primary and secondary vehicles on a single policy may reduce the rate for each vehicle.
  • Senior Citizen Discount – Drivers over the age of 55 may qualify for a slight reduction on a insurance coverage quote on Jetta insurance.
  • Accident-Free Discounts – Claim-free drivers can save substantially compared to drivers who are more careless.
  • Driver Training Discounts – Successfully completing a course teaching safe driver skills could possibly earn you a 5% discount if you qualify.
  • Sign Early and Save – A few auto insurance companies offer discounts for switching policies early. Ten percent is about the average savings.
  • Waiver for an Accident – Not really a discount, but companies like Progressive, Allstate, and Liberty Mutual permit an accident without the usual rate increase if you are claim-free for a specific time period.
  • Paper-free Discount – Some of the larger companies will discount your bill up to fifty bucks shop insurance coverage on their website.
  • Multi-line Discount – Larger insurance companies have better auto insurancerates if you take out some life insurance in addition to your auto policy.

It’s important to note that most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, you aren’t that lucky.

Popular auto insurance companies and some of the premium reductions they offer can be found below.

  • GEICO policyholders can earn discounts including anti-theft, membership and employees, good student, daytime running lights, and military active duty.
  • Mercury Insurance offers discounts for good driver, multi-policy, anti-theft, professional/association, multi-car, location of vehicle, and accident-free.
  • Farmers Insurance may offer discounts for bundle discounts, teen driver, business and professional, good student, distant student, and youthful driver.
  • Auto-Owners Insurance includes discounts for multi-policy, safe vehicle, company car, teen driver, safe driver, mature driver, and paid in full.
  • Liberty Mutual may include discounts for multi-car, good student, exclusive group savings, hybrid vehicle, and newly married.
  • SAFECO offers discounts including homeowner, teen safe driver, bundle discounts, multi-car, teen safety rewards, accident prevention training, and safe driver.
  • Progressive has discounts for online quote discount, multi-policy, online signing, homeowner, continuous coverage, and good student.
  • USAA discounts include driver training, safe driver, loyalty savings, vehicle storage, multi-policy, and annual mileage.

Before you buy a policy, ask each insurance company how you can save money. Some of the earlier mentioned discounts might not be offered in your area. To see insurance companies that offer many of these discounts, click this link.

When should I discuss my situation with an agent?

When it comes to choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Every situation is different so your insurance needs to address that. For example, these questions might point out if you would benefit from an agent’s advice.

  • I have health insurance so do I need medical payments coverage?
  • How can I find cheaper teen driver insurance?
  • Do I need PIP coverage since I have good health insurance?
  • Is a fancy paint job covered?
  • Am I covered when using my vehicle for business?
  • Does my policy pay for OEM or aftermarket parts?
  • I have a DUI can I still get coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • How much liability insurance is required?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.

Insurance coverages and their meanings

Learning about specific coverages of insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Coverage for liability – This coverage will cover injuries or damage you cause to other people or property. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as bail bonds, legal defense fees, attorney fees, repair bills for other people’s vehicles and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, theft, damage from flooding and damage from getting keyed. 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 probably time to drop comprehensive insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for X-ray expenses, EMT expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Volkswagen Jetta.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage – Collision insurance covers damage to your Jetta resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like damaging your car on a curb, sustaining damage from a pot hole, driving through your garage door, crashing into a building and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Don’t throw your cash in the trash

More affordable insurance coverage can be sourced both online in addition to local insurance agencies, so you need to quote insurance coverage with both to get a complete price analysis. Some companies may not offer online price quotes and these small insurance companies provide coverage only through local independent agents.

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. In many cases, consumers will sacrifice uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. The aim is to get the best coverage possible at the best cost, but do not skimp to save money.

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Comments About 2000 Volkswagen Jetta Insurance

  1. Joann Owen

    I live south of Warren, MI. Went online for free insurance quotes for a 2000 Volkswagen Jetta. Ended up at about $120 savings annually. Went with Allstate. My Jetta doesn’t have full coverage.

  2. Margarite Tyson

    I’m from Wilmington, DE. Not sure of all the companies but I ended up saving about $20 each month. Good savings if you bundle.

  3. Leif Dawson

    Does Ohio require a SR-22 after a DUI?

  4. Florance Anderson

    Affordable car insurance is a myth. Checking in from Milwaukee, WI. Received quotes with Sentry, Esurance, GEICO, and AAA for my Volkswagen and saved around $70 a year. Thankfully I have a good driving record. I just quoted rates online.

  5. Daine Bird

    I live just to the east of Fort Wayne, IN. Got quotes from State Farm, AIG Insurance, and Farmers for my Jetta and I’m now saving $20 a month. I don’t have comp or collision coverage.

  6. Kathline Brennan

    Are State Farm or State Farm rates cheaper in Virginia?

  7. Jada Sanchez

    If you have a clean record and live near Bismarck, ND, check out State Farm. They seem to be cheaper. Might find lower rates online.

  8. Paris Carroll

    I’m looking for cheaper coverage. Proud to be from Augusta, Georgia. I quoted with Auto-Owners, Nationwide, and some smaller one I can’t remember the name of for my Volkswagen and saved just over $70 a year. God forbid I actually have a claim.

  9. Hugh Sargent

    I think I’m paying too much. Located in Houston, Texas. Quoted with Western Auto Insurance, AAA, The General, and Mercury for my Volkswagen and am saving around $80 a year. They were helpful in switching over.

  10. Louanne Jefferson

    I’m in the suburbs of Boise, ID and for me GEICO had the lowest quote. Left AIG Insurance to switch. Are quotes cheaper online? I just carry liability insurance.

  11. Harriette Patton

    I live just to the south of Baltimore, MD. Received prices from Sentry, Esurance, 21st Century, and Auto-Owners for my Volkswagen and saved about $100 a year. Just go online and compare their rates.

  12. Douglas Golden

    I found pretty cheap rate quotes for a 2000 Volkswagen Jetta in Manchester, NH. Ended up at roughly $90 every six months with American Family. You can get a rate quote online. I think I’ll get rid of full coverage next time.