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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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 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 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.
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.