2005 Volkswagen Jetta Car Insurance Cost

Looking for the cheapest auto insurance rates for your Volkswagen Jetta? Finding the cheapest insurance for a new or used Volkswagen Jetta could be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to find auto insurance online and we’ll show you the proper way to price shop coverage for a Volkswagen and locate the best price possible.

Volkswagen Jetta insurance rates can be determined by these details

An important part of buying insurance is that you know the different types of things that help determine the price you pay for auto insurance. Knowing what influences your rates empowers consumers to make smart changes that could result in better auto insurance rates.

  • Better credit means lower rates – A driver’s credit history is a important factor in calculating your auto insurance rates. If your credit score is not that good, you could potentially save money when insuring your 2005 Volkswagen Jetta by spending a little time repairing your credit. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower credit scores.
  • Being married is a good thing – Having a wife or husband actually saves money on your auto insurance policy. Having a significant other is viewed as being more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Liability coverage is cheap – Liability coverage is the protection in the event that a court rules you are at fault for damages from an accident. Liability insurance provides legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Rate your vehicle for proper use – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based on their usage. Vehicles that are left in the garage can get a lower rate compared to those used for work or business. Verify your auto insurance coverage is rated on the proper vehicle usage, because it can save money. Incorrect usage on your Jetta can result in significantly higher rates.
  • Careful drivers pay lower rates – Drivers with clean records get better rates than people who have multiple driving citations. Even one speeding ticket may increase your cost by as much as thirty percent. Drivers with severe tickets such as hit and run, DWI or reckless driving convictions are required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Little extras can really add up – There are many add-on coverages that you can get tricked into buying if you aren’t careful. Coverages for vanishing deductibles, accidental death and term life insurance may be wasting your money. These coverages may sound good at first, but if they’re wasting money eliminate them to save money.
  • Adjust deductibles and save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Volkswagen. A few examples of covered claims would be running into the backend of another car, damage from fire, and burglary. Physical damage deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The more money you have to pay, the bigger discount you will receive for Jetta coverage.

Cut your car insurance rates with discounts

Car insurance is not cheap, but there are discounts available that you may not even be aware of. Some discounts apply automatically when you complete an application, but some may not be applied and must be asked about prior to getting the savings. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • New Car Discount – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off for Jetta coverage with select insurance companies.
  • No Accidents – Drivers who don’t have accidents pay much less when compared to frequent claim filers.
  • E-sign – A few companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.

It’s important to understand that many deductions do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way. But any discount will reduce your premiums.

To see a list of companies offering car insurance discounts, click here.

You are unique and your insurance coverage should be too

When it comes to buying adequate coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if your situation would benefit from professional advice.

  • Does my 2005 Volkswagen Jetta qualify for pleasure use?
  • What is roadside assistance coverage?
  • What is medical payments coverage?
  • Does insurance cover tools stolen from my truck?
  • Do I pay less for low miles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my dog or cat covered if injured in an accident?
  • When should my teen driver be added to my policy?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Learn about insurance coverages for a Volkswagen Jetta

Having a good grasp of your policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Liability coverage

This provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for 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. As an example, you may have liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like medical services, legal defense fees and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, damaging your car on a curb, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive insurance

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

Comprehensive can pay for claims like damage from flooding, damage from getting keyed and hitting a bird. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Jetta.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for bills such as ambulance fees, surgery, doctor visits and hospital visits. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Shop around and save

Lower-priced 2005 Volkswagen Jetta insurance can be sourced both online and also from your neighborhood agents, so you should compare both so you have a total pricing picture. A few companies may not provide online quoting and these small, regional companies work with independent agents.

People who switch companies do it for a number of reasons such as policy non-renewal, poor customer service, delays in responding to claim requests and denial of a claim. It doesn’t matter why you want to switch choosing a new company is actually quite simple.

We just covered many ideas to shop for insurance online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the best prices are with some of the smallest insurance companies.

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