How Much Does 2006 Volkswagen Jetta Insurance Cost?

Want the cheapest car insurance rates for your Volkswagen Jetta? Tired of trying to scrape together enough money each month for car insurance? Your situation is no different than millions of other consumers.

Many insurers vie for your insurance dollar, so it’s not easy to compare every insurer to get the lowest cost out there.

Auto Insurance Prices

There are a variety of methods to shop for 2006 Volkswagen Jetta auto insurance, but one way is less time-consuming than others. You could waste a few hours driving to agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Most of the larger companies belong to a marketplace where prospective buyers enter their policy data once, and each company then returns a price quote. This prevents consumers from doing quote forms to every company.

To find out how much you’re overpaying now click here (opens in new window).

The one downside to using this type of form is you are unable to specify the companies to get quotes from. So if you prefer to pick individual companies to compare prices, we put together a list of the cheapest auto insurance companies in your area. Click to view list.

It’s up to you which method you use, but ensure you’re using exactly the same deductibles and coverage limits for each comparison quote. If you enter different deductibles it’s impossible to determine the best price for your Volkswagen Jetta. Just a small difference in limits can make a big difference in price. Keep in mind that obtaining a wide range of quotes helps locate a lower rate.

More discounts equal less premium

Car insurance companies don’t necessarily list all available discounts very clearly, so we break down both well-publicized and the harder-to-find discounts you could be receiving.

  • Air Bag Discount – Factory air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Own a Home – Owning a house may earn you a small savings because maintaining a house requires personal responsibility.
  • Early Switch Discount – Some companies give discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Student in College – Youth drivers who live away from home without a vehicle on campus may qualify for this discount.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Good Student – Getting good grades can save 20 to 25%. This discount can apply up to age 25.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Jetta coverage than drivers with accidents.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks for buying your policy on their website.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.

For a list of insurance companies with the best insurance discounts, click here.

It’s not one size fits all

When buying the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For instance, these questions might help in determining whether your personal situation could use an agent’s help.

  • Should I put collision coverage on all my vehicles?
  • Does coverage extend to a rental car in a foreign country?
  • Can I get a multi-policy discount?
  • Does liability extend to a camper or trailer?
  • Is my ex-spouse still covered by my policy?
  • Am I covered when driving in Canada or Mexico?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Volkswagen Jetta insurance rates consist of many parts

An important part of buying insurance is that you know the different types of things that help determine the price you pay for car insurance. Knowing what impacts premium levels helps enable you to make changes that will entitle you to lower car insurance prices.

The following are some of the factors that factor into prices.

  • Pleasure use saves money – The more miles you rack up on your Volkswagen each year the more you will pay for car insurance. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Cars left parked in the garage qualify for better rates compared to those used for work or business. If your policy improperly rates your Jetta may be wasting your money. Make sure your car insurance policy is rated on how each vehicle is driven.
  • Poor credit can mean higher rates – A driver’s credit history is a important factor in determining your rates. So if your credit is not that good, you could save money insuring your 2006 Volkswagen Jetta by improving your rating. Consumers who have high credit scores tend to be less risk to insure than those with lower credit scores.
  • A clean driving record saves money – Careful drivers tend to pay less for car insurance compared to drivers with tickets. Only having one citation can boost insurance rates by as much as thirty percent. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • Optional equipment can affect rates – Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.

Misconceptions in car insurance advertisements

Car insurance providers like Progressive, Allstate and Geico constantly bombard you with ads on TV and radio. They all make an identical promise that you can save if you switch to them. How does each company say the same thing? It’s all in the numbers.

All the different companies can use profiling for the right customer that is profitable for them. For instance, a driver they prefer might be between 30 and 50, has no prior claims, and has a short commute. A propective insured who matches those parameters will get the preferred rates and therefore will pay quite a bit less when switching companies.

Potential customers who don’t qualify for these standards will be quoted higher rates and ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “people who quote” save that kind of money. This is how companies can truthfully claim big savings. This emphasizes why it’s extremely important to compare many company’s rates. It’s not possible to predict the company that will provide you with the cheapest Volkswagen Jetta insurance rates.

Car insurance coverage information

Understanding the coverages of your auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages offered by auto insurance companies.

Liability auto insurance

This will cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like court costs, bail bonds and attorney fees. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Collision coverage protection

This coverage covers damage to your Jetta resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, hitting a parking meter, rolling your car, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, theft, vandalism and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses such as funeral costs, dental work and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Do the work, save more money

As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. Too many times, drivers have reduced collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at the best price while still protecting your assets.

Lower-priced 2006 Volkswagen Jetta insurance can be found both online as well as from independent agents, and you should compare price quotes from both to have the best rate selection. A few companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

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