2003 Volkswagen Jetta Insurance Rates – 7 Tips for Cheaper Quotes

Trying to find lower insurance coverage rates? Buyers have options when searching for the lowest priced Volkswagen Jetta insurance. You can either spend your time struggling with agents getting price quotes or leverage the internet to make rate comparisons. There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the best way to compare rates for a new or used Volkswagen and get the lowest possible price.

You should take the time to get comparison quotes occasionally because insurance prices change frequently. Despite the fact that you may have had the best quotes on Jetta insurance at your last renewal other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because you’re about to learn one of the easiest ways to lower your rates without sacrificing coverage.

First Step: Get free car insurance quotes

Getting a cheaper price on 2003 Volkswagen Jetta insurance is actually easier than you may think. You just need to spend a little time comparing rates to see which company has cheap auto insurance quotes. Insurance prices can be quoted in a couple of different ways.

1. The recommended way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This type of form prevents you from having to do boring form submissions for every prospective company. One simple form gets you price quotes from many national carriers. Just one form and you’re done.
2. A more difficult way to analyze rates requires a visit to the website for every company you want to comare to complete their respective quote request forms. For examples sake, we’ll assume you are doing a rate comparison from Auto-Owners, Liberty Mutual and Geico. You would need to go to each individual site and punch in your information repeatedly, which can take a lot of time.

   For a handy list of car insurance company links in your area, click here.

The approach you take is up to you, just compare the exact same coverages and limits on every quote. If the quotes have differing limits it’s impossible to determine which rate is truly the best.

Discount insurance coverage rates

Insurance coverage is not inexpensive, but there’s a good chance there are discounts that may help make it more affordable. Larger premium reductions will be automatically applied when you purchase, but some discounts are required to be specifically requested prior to getting the savings.

• Resident Student – who are enrolled in a college that is more than 100 miles from home and do not take a car to college may qualify for this discount.
• Government Employees – Simply working for the federal government can earn a discount up to 10% on Jetta insurance but check with your company.
• Theft Deterent Discount – Cars and trucks with anti-theft systems are stolen less frequently and earn discounts up to 10% off your auto insurance quote.
• Telematics Data – Drivers that enable driving data collection to study vehicle usage through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they are good drivers.
• Active Military Service – Having a deployed family member could be rewarded with lower premium rates.
• Multiple Policy Discount – When you have multiple policies with one insurance company you will save at least 10% off all policies.
• Multi-Vehicle Discounts – Drivers who insure several vehicles on the same insurance coverage policy can reduce rates for all insured vehicles.

Consumers should know that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like adding up those discounts means a free policy, it’s just not the way it works.

A few popular companies and a selection of discounts are:

• State Farm has savings for driver’s education, Drive Safe & Save, multiple autos, defensive driving training, Steer Clear safe driver discount, and good driver.
• Geico may have discounts that include seat belt use, daytime running lights, air bags, anti-lock brakes, federal employee, defensive driver, and anti-theft.
• Progressive policyholders can earn discounts including good student, online signing, multi-policy, online quote discount, and homeowner.
• 21st Century offers discounts for theft prevention, student driver, good student, anti-lock brakes, early bird, air bags, and driver training.
• American Family offers discounts including bundled insurance, multi-vehicle, defensive driver, good student, TimeAway discount, and accident-free.
• The Hartford may offer discounts for good student, anti-theft, defensive driver, vehicle fuel type, driver training, and bundle.
• AAA may include discounts for good driver, good student, anti-theft, education and occupation, and multi-car.

Check with all the companies which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in your area. For a list of insurance coverage companies offering insurance coverage discounts, click here to view.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Every situation is different.

For instance, these questions can help discover if your situation will benefit from professional help.

• Is my teenager covered with friends in the car?
• Does having multiple vehicles earn me a discount?
• Does my liability insurance cover pulling a trailer or camper?
• How much underlying liability do I need for an umbrella policy?
• Do I need to file an SR-22 for a DUI in my state?
• Why am I required to get a high-risk car insurance policy?
• Does my 2003 Volkswagen Jetta need full coverage?
• How high should my medical payments coverage be?
• Should I have a commercial auto policy?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Parts of your insurance policy

Understanding the coverages of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Auto liability insurance

This will cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as medical expenses, medical services, court costs and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills like surgery, EMT expenses, X-ray expenses, prosthetic devices and chiropractic care. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Collision coverage protection

Collision coverage will pay to fix damage to your Jetta resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a ditch, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, a tree branch falling on your vehicle, falling objects, theft and fire damage. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Volkswagen Jetta.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

What is YOUR best insurance company?

Throughout this article, we presented many ways to compare 2003 Volkswagen Jetta insurance prices online. It’s most important to understand that the more you quote auto insurance, the better your chances of lowering your rates. You may even find the lowest prices are with a company that doesn’t do a lot of advertising.

When buying insurance coverage, it’s a bad idea to skimp on coverage in order to save money. Too many times, drivers have reduced comprehensive coverage or liability limits and learned later that the savings was not a smart move. Your goal should be to find the BEST coverage at the lowest possible cost while still protecting your assets.

Cheap 2003 Volkswagen Jetta insurance is attainable from both online companies and with local insurance agents, so you should compare both so you have a total pricing picture. There are still a few companies who may not offer online price quotes and many times these smaller companies provide coverage only through independent agents.

More detailed insurance coverage information can be read by following these links:

• What is Full Coverage? (Allstate)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)
• Determing Auto Insurance Rates (Geico)