View 1991 Volkswagen Jetta Insurance Cost

Want the cheapest insurance coverage rates for your Volkswagen Jetta? Tired of being strong-armed to pay your car insurance bill each month? You are no different than millions of other consumers. There are many insurers to buy insurance from, and although it’s a good thing to have a selection, it can be more difficult to adequately compare rates.

Finding the best rates is quite easy. If you have insurance now or are just looking to switch companies, you can learn to cut your premiums while maintaining coverages. Drivers just need to learn the tricks to compare price quotes online.

Where Can I Get Cheap Auto Insurance?

Comparing auto insurance rates is a ton of work if you aren’t aware of the best way to get rate quotes. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you could save time and use online quoting to get rates in a matter of minutes.

Most major companies participate in a marketplace where prospective buyers submit their information once, and each company then gives them pricing for coverage. This eliminates the need for quote forms to each individual auto insurance company. To find out what other companies charge for 1991 Volkswagen Jetta insurance click here (opens in new window).

The one disadvantage to getting quotes like this is that consumers can’t choose the companies to get pricing from. So if you want to choose from a list of companies to receive pricing from, we have a page of low cost auto insurance companies in your area. Click to view list.

Which method you use is up to you, but compare exactly the same coverages on every quote. If your comparisons have unequal deductibles or liability limits you can’t possibly determine which rate is truly the best.

These discounts can slash car insurance rates

Auto insurance companies do not advertise every available discount in an easy-to-find place, so the following is a list of both the well known and the harder-to-find car insurance savings. If they aren’t giving you every credit available, you’re paying more than you need to.

• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
• Lower Rates for Military – Having a family member in the military could mean lower rates.
• Homeowners Pay Less – Owning a home may trigger a car insurance policy discount due to the fact that maintaining a home requires personal responsibility.
• Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The discount lasts up until you turn 25.
• Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on Jetta coverage than less cautious drivers.
• Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
• E-sign – Some insurance companies may give you up to $50 just for signing your application over the internet.
• Government Employees – Simply working for the federal government could cut as much as 10% off on Jetta coverage depending on your company.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, car insurance companies aren’t that generous.

For a list of insurance companies who offer car insurance discounts, click here.

When might I need the advice of an agent?

When choosing adequate coverage, there isn’t really a “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

• Am I missing any policy discounts?
• Is my babysitter covered when using my vehicle?
• Why am I required to get a high-risk car insurance policy?
• Will I lose any money if I cancel my policy before it expires?
• Does my personal policy cover me when driving out-of-state?
• I have health insurance so do I need medical payments coverage?
• Are split liability limits better than a combined single limit?
• Is my teenager covered with friends in the car?
• Can I afford to pay high deductible claims out of pocket?
• What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage considerations

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most auto insurance policies.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like backing into a parked car, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Volkswagen Jetta.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Auto liability insurance – This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as funeral expenses, emergency aid, repair costs for stationary objects, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like nursing services, doctor visits and X-ray expenses. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a broken windshield, rock chips in glass and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.