Cheapest 2017 Volkswagen Jetta Insurance Rates in 2023
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UPDATED: Dec 6, 2021
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Want better car insurance rates for your Volkswagen Jetta? Trying to find better insurance prices for a Volkswagen Jetta can normally be an all-consuming task, but you can follow our car insurance buying tips to save time. There is a right way and a wrong way to shop for car insurance and you need to know the best way to get price quotes for your Volkswagen and obtain the best price possible.
It’s a great practice to compare prices periodically due to the fact that insurance rates are rarely the same from one policy term to another. Even if you think you had the lowest premium rates for Jetta insurance last year there may be better deals available now. Ignore everything you know about car insurance because I’m going to teach you the best methods to properly buy coverages and cut your premium.
Insurance premium influencing factors
Consumers need to have an understanding of some of the elements that aid in calculating your premiums. If you understand what influences your rates, this allows you to make educated decisions that may result in big savings.
- Rental and towing coverage may not be needed – Insurance policies have a lot of additional extra coverages that sound like a good idea at the time when buying insurance coverage. Insurance for things like rental car reimbursement, death and dismemberment, and Farm Bureau memberships may be costing you every month. These may sound like a good investment when talking to your agent, but your money might be better spent on other coverage so consider taking them off your policy.
- Where you live factors in – Choosing to live in less populated areas can be a good thing when insuring your vehicles. Less people corresponds to lower accident rates as well as less vandalism and auto theft. Urban drivers tend to have traffic congestion and longer commute times. More time commuting statistically corresponds to a higher accident and claim rate.
- Teenage drivers pay high costs – Teen drivers are proven to get distracted easily when at the wheel of a vehicle so insurance coverage rates are higher. Adding a young driver to your policy can really hurt. More experienced drivers have been proven to be more responsible, cause fewer claims and accidents and get fewer tickets.
- Credit score impacts premium rates – An insured’s credit history is a large factor in your rate calculation. Insureds that have excellent credit tend to file fewer claims as compared to drivers with lower ratings. Therefore, if your credit history can use some improvement, you could save money insuring your 2017 Volkswagen Jetta if you clean up your credit.
- What are your coverage deductibles? – Comprehensive and collision coverage deductibles tell how much you are required to pay if the claim is covered. Physical damage coverage, also called comprehensive and collision insurance, is used to repair damage to your car. Some instances where coverage would apply would be colliding with a stationary object, fire damage, and having a roll-over accident. The more money you pay before a claim is paid (deductible), the bigger discount you will receive for Jetta insurance.
- Gender and insurance costs – Over the last 50 years, statistics have shown females are less aggressive when driving. Now that doesn’t mean women are better drivers. They both have at-fault accidents in similar percentages, but men have accidents that have higher claims. They also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Male teenagers cause the most accidents so they pay the highest premiums.
- Filing insurance coverage claims can increase rates – Car insurance companies provide the best rates to people who do not file claims often. If you file a lot of claims you can expect higher premiums or even policy non-renewal. Insurance coverage is intended for the large, substantial claims.
- Demanding employer may mean higher prices – Careers like lawyerspolice officers and medical professionals tend to pay higher rates than average because of stressful work requirements and extremely grueling work hours. On the other hand, occupations such as farmers, historians and homemakers pay lower than average rates for Jetta insurance.
Insurance coverage discounts are available to cut your rates
Some providers don’t always list their entire list of discounts very clearly, so here is a list a few of the more common as well as the least known credits available to you.
- Good Students Pay Less – This discount could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.
- Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and can earn a small discount on your policy.
- Senior Citizen Discount – Seniors can get lower premium rates for Jetta insurance.
- Early Switch Discount – A few larger companies allow discounts for switching to them before your current expiration date. It’s a savings of about 10%.
- Save with More Vehicles Insured – Drivers who insure multiple vehicles with one company can get a discount for every vehicle.
- Student in College – Older children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
- Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase a life insurance policy as well.
A little note about advertised discounts, most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like all the discounts add up to a free policy, it’s just not the way it works.
A few of the larger companies and some of the premium reductions they offer can be found below.
- State Farm offers premium reductions for good student, accident-free, anti-theft, student away at school, and good driver.
- American Family has savings for mySafetyValet, air bags, defensive driver, Steer into Savings, multi-vehicle, and good driver.
- AAA may include discounts for anti-theft, good driver, education and occupation, AAA membership discount, and multi-car.
- GEICO discounts include anti-theft, federal employee, anti-lock brakes, military active duty, defensive driver, membership and employees, and air bags.
- Mercury Insurance policyholders can earn discounts including annual mileage, accident-free, good driver, type of vehicle, and low natural disaster claims.
- Farmers Insurance may have discounts that include mature driver, alternative fuel, teen driver, early shopping, and homeowner.
- Progressive offers discounts for continuous coverage, multi-policy, online signing, multi-vehicle, homeowner, and online quote discount.
Is there deception in advertising?
Consumers get pounded daily by advertisements that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to seem to make the promise about savings if you get a free insurance coverage quote and switch your coverage.
How do they all offer drivers better rates? It’s all in the wording.
Different companies give the cheapest rates for the type of driver that will generate a profit. One example of a desirable risk may need to be a married female, is a homeowner, and drives a lower-performance vehicle. Any new insured who fits those characteristics gets the lowest rates as well as save a lot if they switch.
People who don’t qualify for these stringent criteria may be required to pay higher rates and this results in business not being written. The trick companies use is to say “people that switch” but not “everyone who gets a quote” save that much. That is how insurance companies can confidently make those claims. Because of this risk profiling, it is so important to compare quotes as often as possible. It is impossible to guess which company will provide the lowest prices.
Everyone needs different insurance coverages
When buying coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.
These are some specific questions might help in determining whether or not you may require specific advice.
- Do I benefit by insuring my home with the same company?
- What discounts do I qualify for?
- Am I covered when delivering products for my home-based business?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Is my teen driver covered when they drive my company car?
- When should I not file a claim?
- Is my business laptop covered if it gets stolen from my vehicle?
- Is upholstery damage covered by car insurance?
- Is there coverage for injuries to my pets?
- Which is better, split liability limits or combined limits?
If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.
Educate yourself about insurance coverages
Learning about specific coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Medical costs insurance – Coverage for medical payments and/or PIP pay for expenses for rehabilitation expenses, EMT expenses, surgery and funeral costs. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2017 Volkswagen Jetta.
Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Collision – This will pay to fix damage to your Jetta resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against things like crashing into a ditch, driving through your garage door, scraping a guard rail and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.
Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like falling objects, hitting a bird and rock chips in glass. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Liability coverages – Liability coverage will cover damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability coverage protects against things such as court costs, medical services, bail bonds, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.
What is YOUR best insurance company?
Insureds leave their current company for a variety of reasons including extreme rates for teen drivers, not issuing a premium refund, questionable increases in premium or even denial of a claim. Regardless of your reason, switching companies is not as hard as you think.
As you prepare to switch companies, never skimp on coverage in order to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage and discovered at claim time that they should have had better coverage. The proper strategy is to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.
You just read a lot of tips how to shop for 2017 Volkswagen Jetta insurance online. The key concept to understand is the more companies you get premium rates for, the better your comparison will be. Consumers could even find that the lowest car insurance rates come from a lesser-known regional company.
Even more information can be read in the articles below:
- Auto Crash Statistics (Insurance Information Insitute)
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
- Determing Auto Insurance Rates (GEICO)
- What is a Telematics Device? (Allstate)
- Frontal Crash Tests (iihs.org)
- Medical Payments Coverage (Liberty Mutual)
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