Cheaper 2002 Volkswagen Jetta Car Insurance Quotes

Trying to find lower auto insurance rates for your Volkswagen Jetta? Do you think you bought an overpriced auto insurance policy? Believe me when I say you’re not the only one. Insurance companies such as State Farm, Allstate, Geico and Progressive all claim big savings, bombarding you with ads and it can be hard to see past the geckos and flying pigs and find the best price available.

If you have a current car insurance policy or are looking for a new policy, you can use this information to get lower rates and possibly find even better coverage. Finding the best rates is not that difficult. Consumers only need to know how to compare company rates online.

Compare car insurance rates

Reducing your 2002 Volkswagen Jetta insurance rates is surprisingly easy. Consumers just need to take a couple of minutes to get quotes online with multiple companies. This can be done in just a few minutes using one of these methods.

• One of the simplest ways consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This method prevents you from having to do a different quote for every car insurance company. One form gets coverage cost estimates direct from many companies.
• A slightly less efficient method to find lower rates consists of going to each company’s website and repeat the quote process. For examples sake, we’ll pretend you want comparison quotes from Liberty Mutual, Farmers and Progressive. To do that, you would have to spend time on each company’s site and repeatedly enter your information, which can be really labor intensive. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make sure you use the exact same coverage information for each quote you get. If you are comparing different values for each quote it will be nearly impossible to get a fair rate comparison.

Lower your insurance rates

Lots of things are used in the calculation when pricing auto insurance. Some factors are common sense like a motor vehicle report, but others are more obscure such as your credit history or how safe your car is.

The factors shown below are some of the major factors companies use to determine your prices.

• Keep premiums low by being claim-free – Insurance companies give better rates to policyholders who file claims infrequently. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Insurance coverage is designed for more catestrophic claims.
• Do you really need roadside assistance? – Insurance companies have many add-on coverages that you can get tricked into buying if you aren’t careful. Add-on coverages like vanishing deductibles, towing coverage, and Farm Bureau memberships could be just wasting money. They may sound like good ideas when you first buy your policy, but if they’re wasting money eliminate them to save money.
• Maintain insurance coverage coverage – Not maintaining insurance is not a good idea and as a result your rates will increase for letting your insurance lapse for non-payment. Not only will rates go up, getting caught without coverage might get you a fine, jail time, or a revoked license.
• Older drivers save more – Inexperience drivers have a tendency to be easily distracted when at the wheel of a vehicle and because of this, their insurance coverage rates are much higher. Older people are proven to be safer behind the wheel, tend to cause fewer accidents .

Take advantage of these discounts

Insuring your fleet can be pricey, but you can get discounts that could drop your premiums quite a bit. Some trigger automatically when you quote, but some need to be asked for before you will receive the discount.

• Seat Belt Discounts – Drivers who require all occupants to buckle their seat belts can save 10% or more off the medical payments premium.
• Senior Citizens – Older drivers can get better car insurance rates on Jetta coverage.
• Auto/Life Discount – Car insurance companies who offer life insurance give a discounted rate on car insurance if you buy life insurance from them.
• Discount for Swiching Early – Some larger companies give discounts for switching companies prior to your current policy expiration. You can save around 10% with this discount.
• Savings for New Vehicles – Putting insurance on a new car can be considerably cheaper since new model year vehicles have better safety ratings.
• Defensive Driver Discounts – Completing a safe driver course could possibly earn you a 5% discount depending on where you live.
• Service Members Pay Less – Being deployed with a military unit could qualify you for better car insurance rates.
• Bundled Policy Discount – If you can combine your homeowners and auto policy with one company you will save as much as 10 to 15 percent.
• Anti-lock Brakes – Cars with ABS braking systems or traction control have fewer accidents so you can save 10 percent or more.

While discounts sound great, it’s important to understand that some credits don’t apply the the whole policy. Most only reduce specific coverage prices like comp or med pay. So even though you would think you could get a free car insurance policy, you aren’t that lucky.

For a list of car insurance companies that can offer you the previously mentioned discounts, click this link.

Special considerations

When it comes to choosing the best insurance coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions could help you determine whether you will benefit from professional help.

• Should I buy only the required minimum liability coverage?
• If my 2002 Volkswagen Jetta is totaled, can I afford another vehicle?
• Is my trailer covered?
• What is the rate difference between pleasure use and commuting?
• Is a new car covered when I drive it off the dealer lot?
• What is high-risk coverage and where do I buy it?
• Am I covered when driving on a suspended license?
• Does my liability insurance cover pulling a trailer or camper?
• Does insurance cover damages from a DUI accident?
• Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Car insurance coverages for a 2002 Volkswagen Jetta

Understanding the coverages of insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your 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 is very important. Most of the time these limits are similar to your liability insurance amounts.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as ambulance fees, dental work and prosthetic devices. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most 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 consider removing comprehensive coverage.

Liability coverages

Liability coverage protects you from damages or injuries you inflict on a person or their property. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims such as repair bills for other people’s vehicles, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like damaging your car on a curb, colliding with another moving vehicle, hitting a parking meter, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Final considerations

As you restructure your insurance plan, do not reduce coverage to reduce premium. There are too many instances where an insured cut physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

You just learned a lot of ways to compare 2002 Volkswagen Jetta insurance car insurance rates online. The key thing to remember is the more times you quote, the better your chances of lowering your premium rates. You may be surprised to find that the best car insurance rates are with some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Progressive or Geico.

Additional information

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Get the Right Protection (InsureUonline.org)
• Side Impact Crash Tests (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)