1994 Volkswagen Jetta Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 23, 2017
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a 1994 Volkswagen Jetta are $894 a year including full coverage. Comprehensive insurance costs approximately $132, collision insurance costs $162, and liability costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs $1,918 or more. Teenage drivers receive the highest rates at up to $3,674 a year.
Annual premium for full coverage: $894
Rate estimates for 1994 Volkswagen Jetta Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 1994 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 40-year-old driver, prices range range from as low as $496 for just liability coverage to a much higher rate of $1,918 for high-risk insurance.
These differences highlight why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of making a decision based on 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 1994 Volkswagen Jetta Insurance
Want the cheapest insurance coverage rates for your Volkswagen Jetta? Finding lower premiums on insurance coverage can be nearly impossible for consumers not familiar with buying insurance online. You have so many choices that it can turn into a challenge to compare prices.
Consumers need to price shop coverage yearly because rates change frequently. Just because you had the best deal for Jetta insurance a year ago you can probably find a lower rate today. Starting right now, ignore everything you know about insurance coverage because you’re going to get a crash course in the proper way to remove unneeded coverages and save money.
Shopping for the best coverage is easy if you know what you’re doing. Basically, every vehicle owner who carries auto insurance will be able to lower their premiums. Nevertheless, drivers need to have an understanding of the way companies price online insurance because it can help you find the best coverage.
Are you getting all your discounts?
Insurance can be prohibitively expensive, but there could be available discounts that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but a few must be requested specifically before you get the savings.
- College Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
- Payment Method – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
- No Accidents – Good drivers with no accidents pay less when compared to frequent claim filers.
- Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for Jetta insurance than drivers with accidents.
- Clubs and Organizations – Being a member of a professional or civic organization could qualify you for a break on your policy for Jetta insurance.
As a disclaimer on discounts, some credits don’t apply to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. But any discount will help reduce your premiums.
For a list of insurers with discount auto insurance rates, click here.
Tailor your coverage to you
When buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.
These are some specific questions may help you determine if your situation will benefit from professional help.
- Should I buy full coverage?
- Does coverage extend to a rental car in a foreign country?
- Does my liability insurance cover pulling a trailer or camper?
- Am I covered if hit by an uninsured driver?
- Does car insurance cover theft of personal property?
- Will my rates increase for filing one claim?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.
Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.
Medical payments and PIP coverage
Med pay and PIP coverage pay for bills like funeral costs, EMT expenses and dental work. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Comprehensive auto coverage
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as a broken windshield, rock chips in glass, damage from flooding, hail damage and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Collision coverage protection
This coverage covers damage to your Jetta resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like scraping a guard rail, damaging your car on a curb, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.
This coverage will cover damage or injury you incur to other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability coverage pays for claims like loss of income, repair costs for stationary objects, bail bonds, legal defense fees and pain and suffering. How much coverage you buy is a personal decision, but consider buying higher limits if possible.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Volkswagen Jetta.
Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.
You can do this!
Insureds leave their current company for many reasons like policy cancellation, unfair underwriting practices, extreme rates for teen drivers or even high prices. It doesn’t matter why you want to switch finding a great new company is pretty simple and you could end up saving a buck or two.
In this article, we covered many ways to lower your 1994 Volkswagen Jetta insurance rates. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest premiums are with a company that doesn’t do a lot of advertising.
As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. There are too many instances where an accident victim reduced collision coverage only to regret that it was a big mistake. Your strategy should be to buy the best coverage you can find for the lowest price while still protecting your assets.
More information is located on the following sites:
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.