Lower Your 2000 Volkswagen Jetta Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 11, 2022

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Trying to find cheaper insurance coverage rates for your Volkswagen Jetta? People new to comparing rates online might discover finding affordable insurance coverage nearly impossible.

Consumers should take time to get comparison quotes occasionally because prices trend upward over time. Despite the fact that you may have had the lowest rates for Jetta insurance a couple years back you can probably find a better price now. Starting right now, ignore everything you know about insurance coverage because it’s time to teach you one of the best ways to reduce your cost while increasing coverage.

If you have car insurance now, you should be able to save some money using this strategy. The purpose of this post is to instruct you on how to get online quotes and some tips to save money. But vehicle owners should learn how companies price insurance differently and apply this information to your search.

Discounts are available to cut your rates

Car insurance can cost a lot, but there could be available discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of purchase, but some must be inquired about prior to getting the savings.

  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Drive Less and Save – Driving fewer miles could qualify for a substantially lower rate.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Homeowners Discount – Simply owning a home can help you save on insurance coverage because maintaining a house is proof that your finances are in order.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.

It’s important to understand that most discounts do not apply to the entire cost. The majority will only reduce specific coverage prices like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will reduce the amount you have to pay.

Companies that may offer some of the above discounts include:

Before buying, ask each insurance company how you can save money. Savings might not apply in every state.

Elements that influence Volkswagen Jetta insurance rates

Consumers need to have an understanding of some of the elements that go into determining your car insurance rates. Understanding what influences your rates empowers consumers to make smart changes that could result in better car insurance rates.

Listed below are some of the items used by your company to calculate premiums.

  • Equipment add-ons that lower car insurance rates – Choosing a vehicle with an alarm system can save you a little every year. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
  • More claims means more premium – Insurance companies provide discounts to insureds who do not file claims often. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for larger claims.
  • Safe vehicles cost less to insure – Cars with high safety ratings can get you lower premiums. Safer cars reduce injuries and lower injury rates means less money paid by your insurance company and lower rates for you. If your Volkswagen Jetta is rated at least four stars on Safercar.gov it may be receiving lower rates.
  • Rates may be lower depending on your job – Did you know your job can affect your rates? Occupations such as doctors, architects and dentists tend to pay the highest average rates because of high stress and lengthy work days. Other occupations such as scientists, historians and homemakers have the lowest average rates for Jetta insurance.
  • Do men or women drive better? – Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Both sexes tend to get into accidents at about the same rate, but men have costlier accidents. Men also get cited for more serious violations like DUI and reckless driving. Young males are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Younger drivers pay higher rates – Mature drivers tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Youthful drivers have a tendency to be less responsible in a vehicle therefore car insurance rates are much higher.

Everyone needs different coverages

When buying adequate coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if you could use an agent’s help.

  • How high should deductibles be on a 2000 Volkswagen Jetta?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I benefit by insuring my home with the same company?
  • If my pet gets injured in an accident are they covered?
  • How much liability insurance is required?
  • What if I don’t agree with a claim settlement offer?
  • How much underlying liability do I need for an umbrella policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, complete this form.

Switch companies and save? Really?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. They all seem to say the same thing of big savings if you move your policy. How can each company make the same claim?

Different companies have a certain “appetite” for the right customer that makes them money. A good example of a preferred risk might be profiled as between the ages of 40 and 55, a clean driving record, and chooses high deductibles. A customer that hits that “sweet spot” gets the lowest rates and therefore will save when they switch companies.

Drivers who don’t qualify for the “perfect” profile must pay a more expensive rate which usually ends up with business going elsewhere. The ads say “customers that switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can advertise the savings.

This illustrates why you absolutely need to quote coverage with many companies. It’s not possible to predict which car insurance company will give you the biggest savings on Volkswagen Jetta insurance.

Auto insurance coverages

Having a good grasp of a insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for chiropractic care, ambulance fees and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

This coverage will cover damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Occasionally you may see 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 medical expenses, legal defense fees, attorney fees, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

Collision insurance will pay to fix damage to your Jetta resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a parking meter, damaging your car on a curb, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a deer, hail damage, damage from flooding and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

A penny earned…

While you’re price shopping online, you should never buy less coverage just to save a little money. There have been many cases where an insured cut comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage at the best price while not skimping on critical coverages.

Cost effective 2000 Volkswagen Jetta insurance can be sourced online and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some auto insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

People leave their current company for any number of reasons including questionable increases in premium, policy cancellation, not issuing a premium refund and poor customer service. No matter why you want to switch, finding the right auto insurance provider can be easier than you think.

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