1993 Volkswagen Jetta Insurance Rates
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UPDATED: Jun 13, 2015
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Average insurance rates for a 1993 Volkswagen Jetta are $894 a year with full coverage. Comprehensive costs approximately $132, collision costs $162, and liability coverage costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing around $1,918. Teenage drivers receive the highest rates at $3,674 a year or more.
Annual premium for full coverage: $894
Rate estimates for 1993 Volkswagen Jetta Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 1993 Volkswagen Jetta models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $496 for basic liability insurance to the much higher price of $1,918 for a high risk driver.
These differences demonstrate why everyone should compare rates using their specific location and risk profile, rather than using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 1993 Volkswagen Jetta Insurance
Trying to find lower insurance coverage rates? Buyers have options when searching for affordable Volkswagen Jetta insurance. You can either spend your time calling around to get rate comparisons or leverage the internet to make rate comparisons.
There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the proper way to compare rates for a new or used Volkswagen and get the lowest possible price.
Smart consumers take time to take a look at other company’s rates periodically because insurance rates are variable and change quite frequently. If you had the best deal for Jetta insurance a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the best way to save money, get proper deductibles and limits, all at the lowest rate.
If you have insurance now or need a new policy, you will benefit by learning to get lower rates while maintaining coverages. This article will let you in on the most effective way to quote insurance and some tricks to saving. Consumers just need to learn how to get comparison quotes over the internet.
Where Can I Get Cheap Auto Insurance?
All major auto insurance companies allow you to get insurance quotes on the web. Getting online rates is fairly simple as you simply type in your coverage preferences as detailed in the form. When complete, their rating system requests your credit score and driving record and gives you a price quote based on many factors.
This simplifies rate comparisons, but the time it takes to visit each company’s website and repetitively type in the same information can be a bit repetitive. Unfortunately, it is important to do this in order to find the lowest auto insurance rates.
A less time-consuming method to find cheaper rates makes use of a single form that gets price quotes from a lot of companies. It saves time, requires much less work on your part, and makes quoting online much more efficient. Once the form is submitted, your coverage is rated and you can select any or none of the quote results.
If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The entire process takes less than 15 minutes and you’ll know if lower rates are available.
To quickly find out if lower rates are available, click here to open in a new tab and complete the simple form. If you have your current policy handy, we recommend you input the insurance coverages as close as possible to your current policy. This makes sure you’re receiving an apples-to-apples comparison for the exact same coverage.
Don’t miss out on these money-saving discounts
Properly insuring your vehicles can get expensive, but there are discounts available that you may not know about. Some discounts apply automatically at quote time, but some may not be applied and must be specially asked for in order for you to get them. If you’re not getting every credit possible, you’re paying more than you need to.
- Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less for Jetta insurance than drivers with accident claims.
- Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
- Accident Waiver – Certain companies will forgive one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
- Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in school.
- Life Insurance Discount – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
- Fewer Miles Equal More Savings – Fewer annual miles on your Volkswagen could be rewarded with better rates on cars that stay parked.
- Good Student Discount – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
- Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you may save up to 20% off your total premium.
- Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings of up to 25% or more.
- Service Members Pay Less – Being on active duty in the military could mean lower rates.
A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way. Any qualifying discounts will help reduce the amount you have to pay.
Companies that may have some of the above discounts include:
Check with each company which discounts you may be entitled to. Some discounts might not apply in every state.
Do I need special coverages?
When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.
For example, these questions might point out if you might need professional guidance.
- Do I need medical payments coverage since I have good health insurance?
- How can I get my company to pay me more for my totalled car?
- Are my tools covered if they get stolen from my vehicle?
- Why am I required to buy liability insurance?
- Will I lose any money if I cancel my policy before it expires?
- Is my trailer covered?
- Am I covered if I crash into my own garage door?
- What is the difference between comprehensive and collision coverage?
- Do I have coverage when using my vehicle for my home business?
If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.
Insurance coverage considerations
Knowing the specifics of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.
This coverage will cover damages or injuries you inflict on a person or their property. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.
Liability coverage pays for things such as bail bonds, legal defense fees, structural damage, pain and suffering and court costs. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.
Auto collision coverage
Collision coverage pays to fix your vehicle from damage caused by collision 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 coverage protects against things like rolling your car, crashing into a ditch, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like prosthetic devices, dental work, nursing services, doctor visits and pain medications. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like falling objects, hitting a deer and hitting a bird. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Uninsured and underinsured coverage
Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 1993 Volkswagen Jetta.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are similar to your liability insurance amounts.
A tidy conclusion
Drivers who switch companies do it for any number of reasons including questionable increases in premium, high rates after DUI convictions, extreme rates for teen drivers and even lack of trust in their agent. It doesn’t matter what your reason, switching car insurance companies is pretty easy and you might even save some money in the process.
Affordable 1993 Volkswagen Jetta insurance can be sourced both online in addition to many insurance agents, so compare prices from both to have the best selection. There are still a few companies who do not provide online price quotes and these smaller companies work with independent agents.
As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where an insured dropped comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. The aim is to buy enough coverage at the best price.
Additional car insurance information is located below:
Rates by U.S. City
|New York City, NY||$1,416|
|Los Angeles, CA||$1,527|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$52|
|5-yr Claim Free||$55|
|Paid in Full/EFT||$30|
Discounts are estimated and may not be available from every company or in every state.