1990 Volkswagen Jetta Car Insurance Rates

Trying to find better insurance coverage rates for your Volkswagen Jetta? Overpriced Volkswagen Jetta insurance can deplete your funds and possibly require postponing other expenditures. Doing a rate analysis can help to cut your insurance bill.

Many car insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies to discover the definitive best price available.

How to compare car insurance rate quotes

Most companies allow consumers to get prices for coverage from their websites. Doing online price comparisons doesn’t take a lot of time as you simply type in the coverage amounts you desire into the form. After you submit the form the quote system will obtain reports for credit and driving violations and generates a price based on these and other factors. Online price quotes simplifies rate comparisons, but the work required to visit many different websites and complete many quote forms is a big time waster. But it’s also necessary to perform this step if you want to get the lowest car insurance rates.

An easier way to lower your car insurance bill is to use a quote form that obtains quotes from more than one company. It’s a real time-saver, reduces the work, and makes online price comparison a little more enjoyable. As soon as you send your information, your coverage is rated with multiple companies and you can pick any of the returned quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. It only takes a few minutes and may save quite a bit of money.

To compare pricing, click here to open in new window and submit the form. If you have your current policy handy, we recommend that you enter deductibles and limits exactly as shown on your declarations page. This makes sure you will receive rate comparison quotes based on the exact same insurance coverage.

Car insurance policy discounts

Companies offering auto insurance don’t always list all disounts very well, so we break down a few of the more common as well as some of the hidden credits available to bring down your rates. If you do not double check each discount possible, it’s possible you qualify for a lower rate.

• No Accidents – Drivers who stay claim-free can save substantially compared to bad drivers.
• Driver Education Discount – Require your teen driver to enroll in driver’s education if it’s offered in school.
• Seat Belt Discounts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off PIP or medical payments premium.
• Auto/Home Discount – If you have multiple policies and place coverage with the same company you may earn up to 20% and get you the cheapest insurance.
• Federal Government Employee – Simply working for the federal government could cut as much as 10% off on Jetta coverage with select insurance companies.
• Low Miles Discount – Maintaining low annual mileage can qualify you for lower premium rates due to less chance of an accident.
• Club Memberships – Having an affiliation with a qualifying organization could trigger savings on your next renewal.
• Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings of 20% or more.

A quick disclaimer, most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way.

A list of companies and some of their more popular discounts are detailed below.

• Geico offers discounts including air bags, anti-theft, defensive driver, multi-policy, seat belt use, and multi-vehicle.
• SAFECO has discounts for teen safety rewards, multi-car, homeowner, anti-lock brakes, and safe driver.
• State Farm includes discounts for multiple policy, driver’s education, Steer Clear safe driver discount, safe vehicle, anti-theft, and defensive driving training.
• MetLife offers discounts for defensive driver, good driver, claim-free, accident-free, good student, multi-policy
• 21st Century policyholders can earn discounts including student driver, air bags, theft prevention, automatic seat belts, early bird, and anti-lock brakes.
• Progressive has savings for good student, online signing, multi-vehicle, homeowner, online quote discount, continuous coverage, and multi-policy.

If you need lower rates, check with every prospective company to give you their best rates. Some of the earlier mentioned discounts might not be offered on policies in every state.

How do I know if I need professional advice?

When choosing coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different so this has to be addressed. These are some specific questions can aid in determining if you might need an agent’s assistance.

• What is the rate difference between pleasure use and commuting?
• Which companies will insure high-risk drivers?
• Is my Volkswagen Jetta covered if I use it for business?
• Is rental equipment covered for theft or damage?
• Am I covered if I crash into my own garage door?
• Can I pay claims out-of-pocket if I buy high deductibles?
• I don’t drive much so do I pay less?
• Is my state a no-fault state?
• Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

How insurance companies determine Volkswagen Jetta insurance premiums

One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that aid in calculating the level of your policy premiums. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that can earn you much lower annual insurance costs. Lots of things are taken into consideration when you get a price on insurance. A few of the factors are predictable such as your driving history, but some are not as apparent like your vehicle usage or your commute time.

The items below are some of the major factors used by insurance companies to determine prices.

• Your career may increase rates – Do you work in a high-stress field? Occupations like real estate brokers, executives and emergency personnel generally have higher rates than the rest of us because of intense work situations and long work days. Other professions such as actors, historians and performers receive lower rates on Jetta coverage.
• Gender and car insurance – The statistics show that men are more aggressive behind the wheel. However, this does not mean males are worse at driving than females. Women and men are responsible for fender benders in similar percentages, but the men have accidents that have higher claims. Not only that, but men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
• Your spouse saves you money – Being married helps lower the price on your policy. Having a significant other usually means you are more stable financially it has been statistically shown that married couples file fewer claims.
• Do you really need to file that claims? – Insurance companies generally give most affordable rates to insureds that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can definitely plan on much higher rates or policy non-renewal. Insurance coverage is intended to be relied upon for larger claims.
• Safeguard your assets with liability – Your policy’s liability coverage will protect you in the event that you are found to be at fault for personal injury or accident damage. It provides legal defense coverage to attempt to prove you were not liable. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• More than one policy can earn a discount – Most larger insurance companies give discounts to people who consolidate policies with them such as combining an auto and homeowners policy. The discount can be anywhere from five to ten percent in most cases. Even if you qualify for this discount already, it’s still a good idea to get quotes from other companies to help guarantee you have the best rates.

Is there deception in advertising?

Companies like Allstate, Geico and Progressive seem to constantly run television and radio advertisements. All the ads seem to make the promise that people will save just by moving your policy. It sounds good, but how can they all make almost identical claims? It’s all in the numbers.

All companies have strict underwriting profiles for the type of driver that is profitable for them. For instance, this type of insured may be between the ages of 30 and 50, has no prior claims, and drives a safe vehicle. A customer getting a price quote that fits those parameters will get low premium rates and therefore will save some money.

Potential insureds who fall outside the requirements will probably be forced to pay higher rates which results in business not being written. The trick companies use is to say “customers who switch” not “everyone who quotes” save money. That’s the way companies can truthfully claim big savings.

This emphasizes why you absolutely need to compare price quotes frequently. You cannot predict which car insurance company will have the best auto insurance rates at this point in time.

Insurance coverage breakdown

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. Shown next are the normal coverages found on most insurance policies.

Liability

Liability coverage can cover damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like attorney fees, court costs, funeral expenses, loss of income and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as backing into a parked car, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive coverages

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

Comprehensive coverage pays for claims such as theft, hitting a bird, vandalism, a broken windshield and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as prosthetic devices, chiropractic care, surgery and X-ray expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are set the same as your liablity limits.

Feed the piggy bank

We just presented many ideas to compare 1990 Volkswagen Jetta insurance premium rates online. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding the cheapest insurance. Drivers may discover the lowest premium rates are with a small local company. These smaller insurers may only write in your state and offer lower prices than their larger competitors like Progressive and Geico.

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. In many instances, an insured cut collision coverage and discovered at claim time they didn’t have enough coverage. The goal is to get the best coverage possible at the lowest possible cost while still protecting your assets.

To read more, link through to the following helpful articles:

• Understanding your Policy (NAIC.org)
• Crash Avoidance Technologies FAQ (iihs.org)
• Older Driver Statistics (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Cellphones, Texting and Driving (iihs.org)