2015 Volkswagen Jetta Insurance Rates

Are you drained from scraping the payment together to insure your Volkswagen every month? You are no different than millions of other consumers. There are many auto insurance companies to pick from, and although it’s nice to be able to choose, lots of choices makes it harder to compare rates and find the lowest cost auto insurance.

How much does auto insurance cost?

Effectively comparing auto insurance prices can be exhausting if you aren’t aware of the best way to get rate quotes. You could spend the better part of a day driving to insurance agencies in your area, or you can stay home and use online quoting for quick rates.

Many of the larger companies enroll in a system where insurance shoppers submit their information once, and each company can give them a price based on that data. This prevents consumers from doing form submissions for every auto insurance company. To get comparison pricing now click here to start a free quote.

The one disadvantage to using this type of system is you don’t know exactly which carriers you want to price. So if you prefer to choose from a list of companies for rate comparison, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

The method you choose is up to you, but do your best to use the same information with every price quote. If the quotes have different data it will be next to impossible to truly determine the lowest rate.

Get affordable insurance with discounts

Car insurance companies don’t necessarily list every available discount very clearly, so here is a list both the well known and also the more inconspicuous discounts you could be receiving when you buy auto insurance online. If you are not receiving all the discounts you qualify for, you are just wasting money.

  • Accident Waiver – This isn’t a discount exactly, but companies like Allstate, Progressive, and GEICO will forgive one accident without the usual rate increase if your claims history is clear before the accident.
  • Federal Employees – Federal government employees can earn a discount up to 10% for Jetta coverage but check with your company.
  • Driver Training Discounts – Taking time to complete a driver safety course could earn you a small percentage discount and also improve your driving technique.
  • Theft Deterent System – Cars and trucks with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Senior Citizens – Drivers over the age of 55 may be able to get reduced rates for Jetta coverage.
  • Military Rewards – Having a deployed family member may lower your insurance rates slightly.
  • Low Mileage – Driving fewer miles may allow you to get lower insurancerates on the low mileage vehicles.
  • Discounts for Multiple Vehicles – Insuring several vehicles with the same insurance company may reduce the rate for each vehicle.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save up to 5%.

Don’t be surprised that most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck.

A list of insurance companies and some of the discounts can be found below.

  • State Farm may offer discounts for anti-theft, good driver, passive restraint, student away at school, Drive Safe & Save, driver’s education, and defensive driving training.
  • Farmers Insurance offers discounts including pay in full, distant student, early shopping, homeowner, bundle discounts, teen driver, and youthful driver.
  • GEICO offers discounts for five-year accident-free, air bags, emergency military deployment, driver training, good student, and military active duty.
  • American Family has discounts for Steer into Savings, accident-free, early bird, air bags, and mySafetyValet.
  • Nationwide offers premium reductions for anti-theft, Farm Bureau membership, family plan, good student, and business or organization.
  • Progressive may include discounts for good student, continuous coverage, online signing, multi-policy, online quote discount, and multi-vehicle.

It’s a good idea to ask every insurance company which discounts can lower your rates. A few discounts may not apply to policies in your area. To see a list of insurers with discount insurance rates, click this link.

How you can control Volkswagen Jetta insurance costs

Multiple criteria are used in the calculation when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, although others are less obvious such as whether you are married or your vehicle rating.Smart consumers have a good feel for some of the things that aid in calculating the level of your policy premiums. When you understand what controls the rates you pay, this enables you to make decisions that may result in much lower annual insurance costs.

The following are some of the items used by companies to determine your rates.

  • You may save more by combining policies – Many companies provide discounts for people who carry more than one policy in the form of a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you already get this discount, it’s in your best interest to compare other insurance prices to make sure you are getting the best deal.
  • High physical damage deductibles reduce premiums – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Volkswagen. Some examples of claims that would be covered are a dented fender, hail damage, or theft. The deductibles tell how much you are required to pay in the event of a claim. The higher the amount you’re willing to pay, the better rate you will receive for Jetta coverage.
  • Is car insurance cheaper for males or females? – Over time, data shows women tend to be less risk to insure than men. However, this does not mean females are better drivers. Males and females are in accidents in similar percentages, but guys tend to have higher claims. In addition to higher claims, males also receive more costly citations like reckless driving and DUI.
  • Frequent policy claims will cost more – If you file claims often, you should expect higher rates. Insurance companies generally give lower rates to policyholders who do not rely on their insurance for small claims. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Do you really need the incidental coverages? – There are many extra coverages that can add up on your insurance policy. Coverages like rental car reimbursement, accidental death, and term life insurance are some examples. These coverages may sound good initially, but if they’re wasting money consider taking them off your policy.
  • Credit rating impacts premium costs – Having a bad credit history factor in determining your rates. Therefore, if your credit rating can be improved, you could be paying less to insure your 2015 Volkswagen Jetta by improving your credit score. Insureds that have excellent credit scores tend to file fewer claims than those with lower credit scores.
  • Driving citations mean higher premiums – Your driving record impacts your car insurance rates tremendously. Having a single driving citation can increase rates substantially. Good drivers get better rates compared to bad drivers. Drivers unfortunate enough to have multiple tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there is no best way to insure your cars. Each situation is unique and your policy should reflect that. For instance, these questions might point out whether you may require specific advice.

  • Am I covered when driving on a suspended license?
  • What is the ISO rating for a 2015 Volkswagen Jetta?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What happens if I owe more than my 2015 Volkswagen Jetta is worth?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when pulling a rental trailer?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Misconceptions in insurance coverage advertisements

Drivers can’t ignore all the ads that claim the best car insurance rates by 21st Century, Allstate and State Farm. They all seem to convey the message that drivers can save some big amount just by switching your coverage.

How can each company sell you cheaper insurance coverage?

Many companies offer their best rates for a prospective insured that will generate a profit. An example of a driver they prefer may need to be between 30 and 50, owns their home, and chooses high deductibles. A propective insured who matches those parameters will get a cheap rate quote and have a good chance to save a lot of money.

People who do not fit the ideal profile may be forced to pay a more expensive rate with the end result being the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers who switch” but not “everyone who gets a quote” will save that much if they switch. That’s the way insurance companies can make it sound like they have such great car insurance rates.

Because of these techniques, you should get as many free auto insurance quotes as possible. It’s just too difficult to predict with any certainty which company will have the lowest rates.

Specific coverages for a Volkswagen Jetta

Learning about specific coverages of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for bills for surgery, ambulance fees and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, theft and damage from getting keyed. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

This coverage covers damage to your Jetta resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, damaging your car on a curb, backing into a parked car, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability auto insurance

Liability coverage provides protection from damage or injury you incur to a person or their property. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as medical expenses, court costs and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Volkswagen Jetta.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Affordable insurance is out there

As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. In many instances, drivers have reduced liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

We’ve covered quite a bit of information on how to save on 2015 Volkswagen Jetta insurance. The key concept to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the most savings is with a smaller regional carrier. They may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

Affordable 2015 Volkswagen Jetta insurance can be sourced from both online companies and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies may not provide online rate quotes and these smaller providers only sell coverage through independent insurance agencies.

More detailed car insurance information is available by following these links: