1995 Volkswagen Jetta Insurance Rates

Average insurance rates for a 1995 Volkswagen Jetta are $894 a year for full coverage. Comprehensive costs around $132 a year, collision costs $162, and liability costs around $442. Buying a liability-only policy costs as low 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 1995 Volkswagen Jetta Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 1995 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

View Chart as Image

These differences show why it is important for drivers to compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Want the cheapest auto insurance rates for your Volkswagen Jetta? Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You’re in the same situation as most other car owners. Consumers have many car insurance companies to purchase coverage from, and even though it’s nice to be able to choose, having more insurance companies makes it harder to find a good deal.

Finding Insurance Coverage

Finding lower insurance coverage rates can be quick and easy. Just spend a few minutes to get quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

1. The recommended way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This method eliminates the need for repetitive form entry to each individual insurance coverage company. Taking the time to complete one form gets you coverage quotes from many national carriers.
2. A less efficient way to find lower rates is spending the time to visit the website for each individual company and request a quote. For example, we’ll pretend you want rates from State Farm, 21st Century and Progressive. To find out each rate you need to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

   For a list of links to companies insuring cars in your area, click here.

3. The least recommended method to compare rates is driving around to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you want the trained guidance only provided by licensed agents. You can, however, compare the best prices online but still have the advice of a local agent and we’ll talk about that later.

It’s up to you which method you use, but make darn sure you compare exactly the same quote information for each comparison quote. If you have different deductibles it will be impossible to truly determine the lowest rate.

Misconceptions in auto insurance advertisements

Consumers get pounded daily by advertisements that promise big savings by Progressive, Allstate and GEICO. They all seem to make an identical promise that you’ll save big if you switch to their company.

How can each company make almost identical claims? This is how they do it.

Different companies are able to cherry pick for the driver they prefer to insure. A good example of a profitable customer might be profiled as between 30 and 50, has no tickets, and has a high credit rating. A driver that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will be quoted higher rates and ends up with the driver buying from a lower-cost company. The ads state “customers that switch” not “everybody who quotes” save that much money. That is how companies can truthfully advertise the way they do. This emphasizes why it is so important to get as many quotes as possible. It is impossible to predict which auto insurance company will give you the biggest savings on Volkswagen Jetta insurance.

Don’t miss these discounts

Companies that sell car insurance don’t always publicize every available discount very clearly, so here is a list some of the more common and the more hidden insurance coverage savings. If you’re not getting every credit you qualify for, you are paying more than you should be.

• Federal Employees – Employees or retirees of the government could cut as much as 10% off on Jetta coverage depending on your company.
• Discount for New Cars – Adding a new car to your policy is cheaper since new cars are generally safer.
• Distant Student – Children who are attending college and do not have access to a covered vehicle can receive lower rates.
• E-sign – A handful of insurance companies give back up to $50 for buying a policy and signing up on their website.
• Accident Forgiveness – A few companies will allow you to have one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.

It’s important to understand that most discounts do not apply to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

Car insurance companies that may have some of the above discounts may include but are not limited to:

• Farmers Insurance
• State Farm
• Liberty Mutual
• MetLife
• Progressive

Check with each company which discounts you may be entitled to. All car insurance discounts may not apply in every state.

When might I need help?

When choosing coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can aid in determining whether you may require specific advice.

• Should I put collision coverage on all my vehicles?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Are rental cars covered under my policy?
• How high should deductibles be on a 1995 Volkswagen Jetta?
• Should I bundle my homeowners policy with my auto?
• Does my insurance cover my expensive audio equipment?
• Should I buy only the required minimum liability coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Coverages available on your policy

Having a good grasp of your policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on most car insurance policies.

Comprehensive insurance – Comprehensive insurance 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 coverage pays for things such as fire damage, damage from getting keyed, a tree branch falling on your vehicle and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for bills for dental work, chiropractic care, hospital visits, EMT expenses and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

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

Collision coverage protects against things like colliding with a tree, sustaining damage from a pot hole and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Volkswagen Jetta.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Liability auto insurance – Liability coverage protects you from damage or injury you incur to a person or their property. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like court costs, legal defense fees, structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Power to the consumer

Cheap 1995 Volkswagen Jetta insurance is attainable both online and with local insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not offer online quoting and most of the time these smaller companies sell through independent agents.

Throughout this article, we presented many tips how you can lower your insurance rates. The key thing to remember is the more times you quote, the better likelihood of reducing your rate. Drivers may discover the lowest priced car insurance comes from some of the smallest insurance companies. Some small companies may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.

More information is available on the following sites:

• Preventing Carjacking and Theft (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Teen Driver Licensing Information (iihs.org)
• Collision Insurance Coverage (Nationwide)
• How do I File a Claim? (Insurance Information Insitute)