Cheap 2022 Volkswagen Jetta Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 27, 2024

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Want lower car insurance rates for your Volkswagen Jetta? Trying to find low-cost insurance for a Volkswagen Jetta can turn out to be a painful process, but you can follow a few tricks to make it easier.

There is a right way and a wrong way to compare car insurance rates and you need to know the best way to compare rates for a new or used Volkswagen and get the lowest price.

Consumers need to compare premium rates yearly because prices tend to go up over time. Just because you found the lowest price on Jetta insurance at your last renewal there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the easiest way to find better coverage at a better price.

The Volkswagen Jetta insurance price equation

Multiple criteria are part of the calculation when you quote your car insurance policy. Some are pretty understandable like your driving record, although some other factors are less obvious such as whether you are married or your vehicle rating. It’s important that you understand a few of the rating criteria that aid in calculating your insurance coverage rates. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower insurance coverage prices.

  • Proper usage rating affects prices – The more you drive every year the more you will pay for insurance coverage. Many insurance companies charge to insure your cars determined by how the vehicle is used. Cars used primarily for pleasure use get more affordable rates than those used for commuting. It’s a smart idea to ensure your insurance coverage declarations sheet is rated on annual mileage. Having the wrong rating on your Jetta may be costing you higher rates.
  • Big city or small town – Being located in less populated areas can save you money when shopping for auto insurance. Fewer drivers on the road means fewer accidents as well as less vandalism and auto theft. Drivers in populated areas have to deal with much more traffic and longer commutes to work. More time on the road translates into higher accident risk.
  • Do you know your physical damage deductibles? – The deductibles you choose represent how much money you are willing to pay out-of-pocket if you file a covered claim. Physical damage protection, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims are a windshield broken by a bird, hail damage, and damage caused by road hazards. The larger the amount you’re willing to pay, the better rate you will receive on Jetta insurance.
  • Lower prices with GPS tracking and theft deterrents – Purchasing a vehicle that has a built-in theft deterrent system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft.
  • Discounts for married drivers – Being married may cut your premiums when buying insurance coverage. It generally demonstrates drivers are less irresponsible and statistics prove drivers who are married are more cautious.
  • Stay claim-free and reduce insurance coverage rates – If you are a frequent claim filer, you shouldn’t be surprised to get much higher rates or policy non-renewal. Insurance companies provide better rates to insureds who are not frequent claim filers. Insurance coverage is designed for more catestrophic claims.
  • Don’t cancel your coverage without a new one in place – Having an insurance coverage lapse is a fast way to drive up your policy premiums. Not only will you pay more, being ticketed for driving with no insurance can result in fines or a revoked license.
  • Eliminate unneeded extra policy coverages – Policies have extra coverages that you can get tricked into buying on your insurance coverage policy. Things like rental car coverage, towing coverage, and Farm Bureau memberships are probably not needed. These coverages may sound good when discussing your needs, but now you might not need them so remove them and pocket the money.

Take advantage of every auto insurance discount

Some providers do not advertise every policy discount in a way that’s easy to find, so the following list contains both the well known in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance online.

  • Theft Deterrent Discount – Cars with anti-theft systems have a lower chance of being stolen and will save you 10% or more.
  • Safety Restraint Discount – Requiring all passengers to buckle up before driving could cut 10% or more on the medical payments or PIP coverage costs.
  • One Accident Forgiven – This one is not really a discount per se, but a handful of insurance companies will forgive one accident without getting socked with a rate hike with the catch being you have to be claim-free prior to being involved in the accident.
  • Pay Now and Pay Less – If you can afford to pay the entire bill rather than spreading payments over time you could save up to 5%.
  • Data Collection Discounts – Drivers who elect to allow driving data submission to monitor vehicle usage remotely like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as they are good drivers.
  • Membership in Organizations – Being a member of a civic or occupational organization is a good way to get lower rates when shopping for auto insurance.
  • Government Employees – Having worked for a branch of the government can save as much as 8% on Jetta insurance with select insurance companies.
  • Defensive Driving Course – Passing a class that teaches defensive driving techniques can save you 5% or more if your company offers it.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts may qualify for discounts as much as 30%.

As is typical with insurance, many deductions do not apply to the whole policy. Most cut individual premiums such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, it’s just not the way it works. Any amount of discount should help reduce your premiums.

A partial list of companies that may include some of the above discounts include:

  • MetLife
  • Progressive
  • Travelers
  • AAA

If you are trying to find low cost insurance quotes, ask every company how you can save money. All car insurance discounts might not be offered in your area. To locate insurance companies with the best discounts, enter your zip code here.

Do drivers who switch really save?

Drivers get pounded daily by advertisements for the lowest price auto insurance by companies like Allstate and Progressive. They all seem to state the claim about saving some big amount just by switching your auto insurance coverage to their company.

It sounds good, but how can they all charge you less for car insurance? It’s all in the numbers.

All the different companies offer their best rates for the type of customer that earns them the highest profit. One example of this type of risk profile should be over the age of 45, has few claims, and drives less than 7,500 miles a year. A driver who fits that profile will qualify for the lowest prices and will probably pay quite a bit less when switching companies.

People who don’t qualify for those standards may be forced to pay a higher premium which leads to the customer buying from someone else. The trick is to say “drivers that switch” not “everyone that quotes” can get the lowest rates when switching. That is how insurance companies can confidently claim big savings.

This really emphasizes why drivers should do a rate comparison at every renewal. It is just not possible to predict which company will give you lower premium rates than your current company.

How to know if you need help

When it comes to buying adequate coverage, there really is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions might point out if your insurance needs might need professional guidance.

  • Do I need special endorsements for business use of my vehicle?
  • Should I carry comprehensive and collision coverage?
  • What exactly is covered by my policy?
  • How does medical payments coverage work?
  • How much can I save by bundling my policies?
  • Should I have combined single limit or split liability limits?
  • What is the minimum liability in my state?
  • When should I buy a commercial auto policy?
  • Should I buy full coverage?
  • Is a blown tire covered by insurance?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out your zip code. It only takes a few minutes and can help protect your family.

Auto insurance coverage options for a Volkswagen Jetta

Knowing the specifics of auto insurance can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement.

Comprehensive or Other Than Collision – 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 protects against claims like hail damage, hitting a deer and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, colliding with another moving vehicle, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Liability auto insurance – Liability insurance protects you from damage that occurs to people or other property. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like funeral expenses, repair bills for other people’s vehicles, structural damage and bail bonds. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like nursing services, funeral costs and hospital visits. They are often used in conjunction with a 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 being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Volkswagen Jetta.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

The bottom line

You just learned a lot of tips how to compare 2022 Volkswagen Jetta insurance rates online. The most important thing to understand is the more quotes you get, the better your chances of lowering your car insurance rates. Drivers may discover the lowest rates are with a small local company.

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. There have been many situations where someone dropped full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at the best price, but don’t skip important coverages to save money.

Consumers leave their current company for a variety of reasons including being labeled a high risk driver, denial of a claim, poor customer service and even high rates after DUI convictions. It doesn’t matter what your reason, switching companies is actually quite simple.

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