How Much Does 2015 Volkswagen Jetta Insurance Cost?

Looking for the cheapest insurance rates for your Volkswagen Jetta? Are you sick and tired of not being able to afford to insure your Volkswagen every month? You are no different than the majority of other car owners.

Insurance companies such as Allstate, Liberty Mutual and State Farm continually bombard you with catchy ads and consumers find it hard to not get sucked in by the cute commercials and take the time to shop coverage around.

Factors that can influence insurance rates for a Volkswagen Jetta

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for insurance. When you know what positively or negatively influences your rates enables informed choices that will entitle you to much lower annual insurance costs.

The following are some of the items insurance companies consider when setting prices.

  • You might want pay the small claims yourself – If you are a frequent claim filer, you can look forward to higher rates. Insurance companies give better rates to insureds who do not file claims often. Insurance coverage is intended for larger claims.
  • Increase deductibles and save – The deductibles define the amount you are willing to pay before your insurance pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some instances where coverage would apply would be running into the backend of another car, collision with an animal, or theft. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance on Jetta coverage.
  • Credit scores impact insurance rates – Credit rating is a important factor in determining what you pay for insurance. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have poor credit. So if your credit score can use some improvement, you could pay less to insure your 2015 Volkswagen Jetta by repairing your credit.
  • Marriage pays dividends – Getting married can actually save you money on insurance. Marriage is viewed as being more mature than a single person and statistics show married couples file fewer claims.
  • Optional equipment can affect rates – Owning a car with a theft deterrent system can save you a little every year. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
  • Pleasure use or commuting – The higher the mileage driven each year the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based on how the vehicle is used. Autos that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your insurance declarations sheet shows the correct usage for each vehicle, because it can save money. Incorrect usage on your Jetta may be wasting your money.
  • Traffic violations increase rates – Your driving citation history has a lot to do with how much you pay for insurance. Drivers who don’t get tickets tend to pay less for car insurance than bad drivers. Even one ticket can bump up the cost forty percent or more. Drivers who have serious citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Where you live – Being located in less populated areas is a positive aspect when buying insurance. Less people living in that area translates into fewer accidents and a lower car theft rate. Drivers who live in large cities tend to have more traffic problems and longer commute times. Longer commute distances translates into higher accident risk.

Auto Insurance Prices

To find the best auto insurance prices, there are several ways of comparing price quotes from auto insurance companies in your area. One of the best ways to find the lowest 2015 Volkswagen Jetta rates involves getting comparison quotes online. This can be accomplished in several different ways.

  1. The fastest way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for boring form submissions to each individual auto insurance company. Just one form gets rate comparisons from all major companies.
  2. A different way to analyze rates is going to the website of each company and complete a new quote form. For sake of this example, we’ll assume you want comparison quotes from GEICO, Progressive and Allstate. You would have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Whichever way you use, make absolute certain that you use apples-to-apples deductibles and coverage limits on every quote you get. If the quotes have different values for each quote it’s impossible to determine which rate is truly the best. Quoting even small variations in limits may result in large price differences. It’s important to know that quoting more gives you a better chance of getting a better price.

Save on Volkswagen Jetta insurance

Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. A few discounts will automatically apply at quote time, but some must be manually applied before you will receive the discount.

  • Memberships – Affiliation with certain professional organizations could trigger savings on insurance on Jetta coverage.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for better insurance rates on Jetta coverage.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on Jetta coverage with select insurance companies.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Multiple Policy Discount – If you have multiple policies with the same company you may earn up to 20% off your total premium.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.

Drivers should understand that most discount credits are not given to the entire cost. Most only apply to individual premiums such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will reduce your premiums.

Companies that possibly offer these discounts are:

Double check with each insurance company what discounts are available to you. Discounts may not be available everywhere.

Tailor your coverage to you

When buying the best auto insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions may help highlight whether or not you would benefit from an agent’s advice.

  • If my pet gets injured in an accident are they covered?
  • How much liability insurance is required?
  • Do I need rental car coverage?
  • Is motorclub coverage worth it?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my 2015 Volkswagen Jetta covered for flood damage?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Coverages available on your insurance policy

Knowing the specifics of your insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverages offered by insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as rehabilitation expenses, chiropractic care and pain medications. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as court costs, medical expenses, loss of income, emergency aid and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Collision coverage protection

Collision insurance covers damage to your Jetta resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sustaining damage from a pot hole, hitting a mailbox, damaging your car on a curb, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, damage from getting keyed, hitting a deer and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Shop. Compare. Save.

When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best price, not the least amount of coverage.

We just covered a lot of techniques to lower your 2015 Volkswagen Jetta insurance rates. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even find the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. They often have lower prices on specific markets compared to the large companies like Progressive or GEICO.

Other learning opportunities