Cheapest 2019 Volkswagen Jetta Insurance Rates in 2023
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UPDATED: Dec 2, 2021
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Tired of not being able to afford to pay insurance coverage each month? You’re in the same situation as millions of other consumers.
There is such a variety of insurers to buy insurance from, and even though it’s nice to have multiple companies, so many choices can make it hard to locate the cheapest rates.
It’s a great practice to do price comparisons quite often because insurance coverage rates are adjusted regularly by insurance companies. Even if you think you had the lowest premium rates on Jetta coverage at your last renewal there is a good chance you can find better prices now. Forget all the misinformation about insurance coverage because we’re going to demonstrate the things you must know in order to find the best coverage while lowering your premiums.
Buying car insurance is not rocket science. In a nutshell, everyone who has to buy insurance coverage should be able to lower their premiums. But drivers need to learn how the larger insurance companies price insurance differently and take advantage of how the system works.
How to buy car insurance online
The majority of larger companies give insurance quotes directly from their websites. Getting quotes is pretty easy as you simply type in your coverage information into the quote form. After you submit the form their rating system requests information on your driving record and credit history and quotes a price based on the information you submitted. This simplifies rate comparisons, but the time required to go to many different websites and type in the same information can be a bit repetitive. But it’s necessary to do this if you are searching for lower prices.
Keep reading for an easier way to compare prices
A more efficient way to lower your rates uses one form to get prices from a bunch of companies at once. It’s a real time-saver, eliminates repetitive work, and makes price shopping online much more enjoyable and efficient. As soon as the form is sent, it is quoted and you can choose any one of the quotes returned. If you find a better price you simply finish the application and purchase the new policy. It can be completed in less than 10 minutes and may save quite a bit of money.
To save time and compare pricing, simply enter your zip code here and submit your coverage information. If you have a policy now, it’s recommended you input deductibles and limits exactly as they are listed on your policy. This ensures you will be getting a rate comparison using the exact same coverages.
But they said I’d save $477 a year!
Respected companies like State Farm, GEICO and Progressive consistently run television and radio advertisements. They all seem to have a common claim that people will save just by moving your coverage. Is it even possible that every company can charge less that you’re paying now? It’s all in the numbers.
Most companies have an ideal profile for the type of customer that is profitable for them. A good example of a profitable customer may be a mature driver, has never had a claim, and drives a car with an anti-theft system. Any person that fits those parameters will get low prices and will pay quite a bit less when switching companies.
Potential customers who fall short of these stringent criteria may be required to pay higher prices and this results in the prospect going elsewhere. If you pay close attention to the ads, they say “drivers who switch” but not “all drivers who get quotes” save that kind of money. That is how insurance companies can confidently make it sound like they have such great rates. Each company has different criteria, so you should compare free auto insurance quotes often. Because without a comparison, you cannot know which insurance company will have the best prices for your profile.
Do you qualify for discount auto insurance?
Companies offering auto insurance do not list all available discounts in an easy-to-find place, so the following list contains both the well known in addition to some of the lesser obvious auto insurance savings.
- ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are much safer to drive and earn discounts up to 10%.
- Low Mileage Discounts – Keeping the miles down on your Volkswagen could earn lower premium rates on the low mileage vehicles.
- Lower Rates for Military – Having a deployed family member could be rewarded with lower auto insurance rates.
- Senior Citizens – If you qualify as a senior citizen, you may be able to get better auto insurance rates on Jetta coverage.
- Discount for Multiple Policies – If you combine your home and auto policies with the same insurance company you may save at least 10 to 15 percent or more.
- Homeowners Discount – Owning your own home or condo can earn you a little savings because maintaining a house demonstrates responsibility.
- Cautious Driver Discount – Safe drivers can get discounts for up to 45% lower rates on Jetta coverage compared to accident prone drivers.
- Multi-line Discount – Insurance carriers who offer life insurance give a discount if you purchase some life insurance too.
- Anti-theft Discount – Vehicles optioned with advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
Discounts save money, but please remember that many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, it’s just not the way it works.
A list of auto insurance companies and some of the premium reductions they offer can be read below.
- Esurance offers discounts including good student, multi-policy, defensive driver, online quote, Switch & Save, anti-theft, and DriveSense.
- The Hartford has savings for good student, bundle, defensive driver, air bag, and anti-theft.
- AAA may offer discounts for AAA membership discount, good student, pay-in-full, good driver, education and occupation, multi-policy, and anti-theft.
- GEICO includes discounts for seat belt use, anti-theft, multi-vehicle, membership and employees, anti-lock brakes, and multi-policy.
- State Farm offers discounts for Steer Clear safe driver discount, student away at school, safe vehicle, multiple policy, multiple autos, and good driver.
It’s a good idea to ask every company how many discounts you can get. Some discounts may not be available in your area. To see a list of insurers who offer online auto insurance quotes, enter your zip code here.
What insurance coverages do I need?
When it comes to choosing the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.
- Should I file a claim if it’s only slightly more than my deductible?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Can I rent a car in Mexico?
- Why does it cost so much to insure a teen driver?
- When should I buy a commercial auto policy?
- How many claims can I have before being cancelled?
- Do I pay less if my vehicle is kept in my garage?
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out your zip code.
Insurance coverage breakdown
Having a good grasp of insurance helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages offered by insurance companies.
This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for things like damage from a tornado or hurricane, a tree branch falling on your vehicle, fire damage, theft and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Collision coverage protection
This pays for damage to your Jetta caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like hitting a mailbox, sustaining damage from a pot hole, crashing into a building, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.
Uninsured and underinsured coverage
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2019 Volkswagen Jetta.
Due to the fact that 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.
This coverage protects you from injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.
Liability coverage protects against claims such as bail bonds, structural damage, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.
Coverage for medical payments
Med pay and PIP coverage provide coverage for immediate expenses for pain medications, prosthetic devices, hospital visits and EMT expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Stretch your dollar
As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. There are many occasions where an accident victim reduced physical damage coverage and learned later that the savings was not a smart move. The aim is to get the best coverage possible at the best price but still have enough coverage for asset protection.
We just presented a lot of ways to get a better price on 2019 Volkswagen Jetta insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding cheap auto insurance. You may even discover the best price on insurance is with an unexpected company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and GEICO.
Lower-priced insurance can be purchased on the web and from local insurance agents, and you need to price shop both to have the best selection. Some insurance companies don’t offer rates over the internet and most of the time these small, regional companies only sell through independent agents.
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