2006 Volkswagen Jetta Car Insurance Cost – 9 Ways to Save
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UPDATED: Dec 3, 2021
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Searching for cheaper insurance for a Volkswagen Jetta could be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to find insurance online so we’re going to tell you the quickest way to quote coverages for a new or used Volkswagen and obtain the lowest possible price.
Smart consumers take time to compare rates at least once a year because prices are constantly changing. Despite the fact that you may have had the best rates on Jetta insurance two years ago you may be paying too much now. Starting now, forget all the misinformation about insurance because you’re going to learn the easiest way to find lower rates on insurance.
Choosing the best insurance company for you is not that difficult. If you have a policy now or are looking for a new policy, you can learn to shop for the lowest rates while maximizing coverage. Vehicle owners just need to understand the most efficient way to compare company rates over the internet.
Take these nine discounts and save
Auto insurance companies don’t always advertise all their discounts in an easy-to-find place, so we break down both well-publicized and also the lesser-known insurance savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.
- Good Student – A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.
- Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
- New Vehicle Savings – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
- Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings of 20% or more.
- Senior Citizens – If you’re over the age of 55, you may qualify for a discount up to 10% on Jetta insurance.
- Early Signing – Some insurance companies reward drivers for switching to them prior to your current policy expiration. This can save 10% or more.
- No Accidents – Claim-free drivers pay less as compared to accident-prone drivers.
- Anti-theft Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
- Homeowners Discount – Simply owning a home can save you money because maintaining a house shows financial diligence.
Consumers should know that most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, insurance companies aren’t that generous.
Insurance companies who might offer some of the above discounts include:
- Farmers Insurance
- State Farm
Check with every prospective company what discounts are available to you. Savings may not be available in your state.
The best way we recommend to get policy rate comparisons is to realize auto insurance companies will pay a fee to compare rate quotes. To begin a comparison, all you need to do is take a few minutes to give details like if you’re married, the make and model of your vehicles, whether the vehicles are used for commuting, and if the car is leased. That rating data is instantly submitted to insurance companies and they provide comparison quotes almost instantly.
Which policy gives me the best coverage?
When it comes to choosing proper insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different.
These are some specific questions might point out whether you might need professional guidance.
- Am I getting all the discounts available?
- Where can I find high-risk insurance?
- When should my teen driver be added to my policy?
- When can I cancel my policy?
- How high should my uninsured/underinsured coverage be in my state?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Will my insurance pay for OEM parts?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Auto insurance 101
Learning about specific coverages of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.
Collision coverage – This coverage will pay to fix damage to your Jetta from colliding 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 protects against things such as hitting a mailbox, crashing into a ditch, backing into a parked car, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Medical expense coverage – Coverage for medical payments and/or PIP kick in for bills for nursing services, EMT expenses, prosthetic devices and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Liability coverage – Liability insurance provides protection from injuries or damage you cause to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.
Liability insurance covers claims such as repair bills for other people’s vehicles, bail bonds, loss of income and medical expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.
Comprehensive protection – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as rock chips in glass, vandalism, a broken windshield, theft and falling objects. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Uninsured or underinsured coverage – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.
More quotes mean more savings
Drivers leave their current company for a number of reasons such as delays in paying claims, being labeled a high risk driver, extreme rates for teen drivers or delays in responding to claim requests. It doesn’t matter why you want to switch finding a great new company is less work than it seems.
Affordable 2006 Volkswagen Jetta insurance can be purchased on the web in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.
As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice liability limits or collision coverage and learned later that it was a big mistake. Your focus should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.
Much more information about auto insurance can be read at these links:
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