Save on 2004 Volkswagen Jetta Insurance Quotes

Want cheaper insurance coverage rates for your Volkswagen Jetta? There isn’t anyone who likes paying for insurance coverage, particularly when they could find better rates elsewhere.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive persitently shower you with ad campaigns and it is challenging if not impossible to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

It is always a good idea to do rate comparisons every six months because rates are usually higher with each renewal. Even if you think you had the lowest rate for Jetta insurance last year a different company probably has better prices today. There are lots of tips to save on insurance coverage on the internet, but in this article, you’re going to get some excellent ideas to stop overpaying for insurance.

If you are paying for car insurance now, you will be able to save some money using these methods. Buying car insurance is not that difficult. Although vehicle owners need to have an understanding of how big insurance companies price insurance differently and use this information to your advantage.

Drivers can save with these discounts

Insurance can cost an arm and a leg, but you may be missing some discounts to reduce the price significantly. Many of these discounts will be applied automatically when you quote, but a few must be requested specifically before they will apply.

  • Senior Citizen Discount – Mature drivers may be able to get lower premium rates for Jetta insurance.
  • Active Service Discounts – Being on active deployment in the military may lower your rates slightly.
  • Memberships – Being a member of specific professional or occupational memberships or organizations could trigger savings when shopping for insurance coverage.
  • Defensive Driver – Passing a driver safety class could possibly earn you a 5% discount and make you a better driver.
  • Theft Deterent – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
  • Distant College Student Discount – Older children who live away from home at college and do not take a car to college could get you a discount.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A list of insurance coverage companies and their possible discounts can be read below.

  • Farm Bureau may have discounts that include multi-policy, youthful driver, multi-vehicle, driver training, 55 and retired, renewal discount, and safe driver.
  • MetLife discounts include claim-free, good driver, multi-policy, good student, defensive driver, accident-free
  • Progressive offers discounts for good student, multi-vehicle, homeowner, continuous coverage, online quote discount, multi-policy, and online signing.
  • AAA offers premium reductions for anti-theft, good driver, AAA membership discount, multi-car, education and occupation, good student, and multi-policy.
  • American Family has discounts for air bags, accident-free, multi-vehicle, good student, Steer into Savings, and TimeAway discount.
  • GEICO has savings for military active duty, multi-vehicle, good student, driver training, seat belt use, and multi-policy.
  • State Farm may include discounts for accident-free, driver’s education, good student, multiple autos, and student away at school.

Double check with every insurance company to give you their best rates. Some discounts might not apply in your area.

How to get cheap car insurance

All the larger car insurance companies provide prices for coverage on their websites. Comparing rates online can be done by anyone because you just enter your required coverages into the form. After the form is submitted, the company’s rating system obtains your driving and credit reports and returns a price quote determined by many factors. This simplifies rate comparisons, but having to visit several different sites and type in the same data can get tiresome after awhile. But it’s also necessary to have as many quotes as possible in order to find lower prices.

The easy way to compare rates

The smarter way to compare car insurance pricing utilizes a single form that gets prices from several different companies. This type of form saves time, reduces the work, and makes comparison shopping much easier. As soon as the form is sent, it is rated and you can select your choice of the quotes that you receive.

If a lower price is quoted, you can simply submit the application and buy the policy. The whole process takes less than 15 minutes and you will know how your current rates stack up.

In order to find out if lower rates are available, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend you type in coverages and limits identical to your current policy. Using the same limits helps guarantee you will be getting a price comparison using the same coverage and limits.

The Volkswagen Jetta insurance cost equation

Lots of things are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but others are not as apparent like your continuous coverage or how safe your car is.One of the most helpful ways to save on insurance is to to have a grasp of the rating factors that go into determining your insurance rates. When consumers understand what influences your rates, this allows you to make good choices that can help you get lower premium levels.

Shown below are some of the items insurance companies consider when setting your premiums.

  • Obey driving laws and save – Having a clean driving record can have a huge impact on auto insurance premiums. Drivers who don’t get tickets pay lower auto insurance prices as compared to careless drivers. Only having one speeding ticket or other violation can boost insurance rates by as much as thirty percent. Drivers with multiple violations like DUI or reckless driving may find they need to complete a SR-22 with their state’s licensing department in order to continue driving.
  • High credit saves on insurance – Having a bad credit history factor in determining premium rates. Insureds with good credit tend to be less risk to insure than drivers with bad credit. If your credit history could use some work, you may save money insuring your 2004 Volkswagen Jetta by spending a little time repairing your credit.
  • Better insurance rates for no policy lapses – Driving without insurance is a big no-no and you will pay a penalty because you let your insurance lapse. And not only will insurance be more expensive, the inability to provide proof of insurance could earn you a license revocation or jail time. You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Annual miles is a factor – Driving more miles in a year the more you’ll pay to insure your vehicle. Many insurance companies calculate prices based upon how you use the vehicle. Cars and trucks that are left in the garage qualify for better rates than those that get driven frequently. Improper usage on your Jetta may be wasting your money. Ask your agent if your declarations sheet is showing annual mileage.
  • Where you live – Choosing to live in small towns and rural areas can be a good thing when shopping for auto insurance. City drivers tend to have more road rage incidents and longer commutes to work. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.
  • Guys pay more for auto insurance – The statistics show females are less aggressive when driving. However, don’t assume that men are WORSE drivers than women. Both sexes tend to get into auto accidents at a similar rate, but men tend to have more serious accidents. Not only that, but men also get cited for more serious violations like DWI (DUI) or reckless driving. Youthful male drivers cause the most accidents and therefore are the most expensive to insure.
  • Safer vehicles lower prices – Cars with high safety ratings can get you lower premiums. Safer cars result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims which can result in lower premiums.
  • Safeguard your assets with liability – Liability insurance is the coverage that protects you when a jury decides you are liable for causing personal injury or damage in an accident. It provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.

Special considerations

When buying the right insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions might help in determining whether your personal situation will benefit from professional help.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does my 2004 Volkswagen Jetta qualify for pleasure use?
  • Am I getting all the discounts available?
  • Is my camper covered by my car insurance policy?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I need roadside assistance coverage?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Educate yourself about insurance coverages

Understanding the coverages of insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on most insurance policies.

Collision protection

This covers damage to your Jetta resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, colliding with a tree and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Jetta.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, theft, damage from flooding, hitting a bird and damage from getting keyed. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability insurance

This protects you from injuries or damage you cause to other people or property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like repair costs for stationary objects, pain and suffering, attorney fees and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses such as nursing services, prosthetic devices, hospital visits and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Save for a rainy day

You just learned some good ideas how you can lower your 2004 Volkswagen Jetta insurance rates. The key thing to remember is the more you quote auto insurance, the better likelihood of getting cheaper auto insurance. You may even discover the lowest priced car insurance comes from the smaller companies. They may have significantly lower auto insurance rates on certain market segments as compared to the big name companies such as GEICO and State Farm.

Budget-conscious 2004 Volkswagen Jetta insurance can be purchased from both online companies as well as from insurance agents, so you need to quote auto insurance with both so you have a total pricing picture. There are still a few companies who may not provide the ability to get a quote online and these small insurance companies only sell through independent insurance agents.

Additional learning opportunities

Comments About 2004 Volkswagen Jetta Insurance

  1. Kary Galloway

    Will Allstate raise rates for a windshield claim?

  2. Renna Powell

    I found affordable 2004 Volkswagen Jetta insurance from GEICO in Columbus, Georgia.

  3. Suanne Jensen

    Any claims experience with State Farm in Dover, DE?

  4. Sanjuanita Dawson

    Good detail in your article. I live just outside South Burlington, Vermont. Quoted rates from Hanover, Amica, MetLife, and a couple others for my 2004 Volkswagen Jetta and I’m now saving $12 a month.

  5. Cassey Santiago

    Well-written and thought out article. Lifelong resident of Tacoma, WA. I quoted with GEICO, AAA, and some I forget for my Jetta and I think I saved around $30 each month. Just go online and compare their rates.

  6. Carlotta Case

    Quoted with Travelers for my Volkswagen and am saving around $90 a year. Was with USAA. Even increased coverage a bit. Online quotes are the way to go. It’s too old for full coverage.

  7. Keila Chambers

    Will Allstate raise rates for a small claim?

  8. Monnie Marks

    21st Century is decent in Atlanta, GA.

  9. Vincent Mccarthy

    From Billings, Montana. Received prices from State Farm, Hanover, and Farmers for my 2004 Volkswagen Jetta and I think I saved about $30 each month. Full coverage costs too much.

  10. Margene Merritt

    Hope my car insurance gets cheaper. From west side of Springfield, MA. I don’t recall every quote but I ended up saving about $20 each month. Hardly afford to drive anymore. I don’t have comp or collision coverage.

  11. Lillian Robertson

    Lots of useful info here. I’m just north of Louisville, KY. Received quotes with Mercury, Esurance, State Farm, and AAA for my 2004 Volkswagen Jetta and cut my rates about $110 a year. Left Encompass to switch. I used their website to get prices.

  12. Verena Gallagher

    Like your site, BTW. I’m in the west part of Chesapeake, VA. I got free rates from Progressive, Auto-Owners, Esurance, and Hartford for my Volkswagen and I think I saved about $30 each month. You can get a rate quote online. I dropped full coverage awhile back.

  13. Kristofer Kelley

    Lots of useful info here. I’m just west of Jacksonville, Florida. I got free quotes with Hartford, Amica, Safeco, and a couple others for my Volkswagen and saved $116 a year. I have a teen driver too. I got a quote from their website. When should I drop full coverage?

  14. Charlene Pope

    Hope my rates come down. Found cheapest coverage with Progressive for my 2004 Volkswagen Jetta and saved about $90 a year. Left Hanover to switch.

  15. Tommy Osborne

    If you have a good history and are close to Green Bay, Wisconsin, check out Allstate. They seem to be cheaper.

  16. Marianna Barlow

    Will 21st Century insure with a DUI in Bridgeport, CT?