2023 Volkswagen Jetta Car Insurance Rates in 2024 – 8 Ways to Save

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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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Looking for better car insurance rates? Shoppers have many options when shopping for the lowest priced Volkswagen Jetta insurance. You can either waste hours struggling with agents getting price quotes or utilize the internet to get rate quotes.

There are both good and bad ways to find car insurance online and we’ll show you the best way to get price quotes for a Volkswagen and obtain the cheapest rates either online or from local insurance agents.

The purpose of this article is to teach you the most effective way to quote insurance and some money-saving tips. If you currently have car insurance, you will be able to reduce your rates substantially using these techniques. Vehicle owners just need to know the tricks to compare price quotes on the web.

More discounts mean cheap premiums

Auto insurance companies do not advertise the entire discount list in a way that’s easy to find, so we researched some of the more common and also the more inconspicuous savings tricks you should be using when you buy insurance coverage online.

  • Lower Rates for Military – Having an actively deployed family member may lower your premium rates slightly.
  • Low Mileage Discounts – Driving less may allow you to get substantially lower insurance coverage rates.
  • Discount for Life Insurance – Some companies give a small discount if you purchase some life insurance in addition to your auto policy.
  • Telematics Data Discounts – Drivers who elect to allow their company to scrutinize driving patterns by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they show good driving skills.
  • Early Signing – Select insurance coverage companies give a discount for signing up prior to the expiration date on your current policy. This can save 10% or more.
  • Membership in Organizations – Belonging to a qualifying organization is a good way to get lower rates on your policy.
  • Multi-car Discount – Buying insurance for all your vehicles on the same insurance coverage policy qualifies for this discount.
  • College Student Discount – who live away from home at college and do not have a car may be insured at a cheaper rate.

Please keep in mind that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, nobody gets a free ride.

A few popular companies and a selection of discounts are shown below.

  • Progressive discounts include multi-vehicle, online signing, good student, multi-policy, and continuous coverage.
  • AAA may offer discounts for education and occupation, good student, anti-theft, AAA membership discount, multi-car, good driver, and pay-in-full.
  • Farmers Insurance offers discounts including switch companies, pay in full, alternative fuel, teen driver, early shopping, and bundle discounts.
  • GEICO includes discounts for air bags, anti-theft, multi-policy, defensive driver, federal employee, and anti-lock brakes.
  • Esurance offers discounts for multi-car, safety device, homeowner, multi-policy, online shopper, and renters.
  • SAFECO has savings for anti-lock brakes, multi-car, drive less, accident prevention training, and homeowner.
  • State Farm policyholders can earn discounts including multiple policy, good driver, Drive Safe & Save, defensive driving training, and multiple autos.

When quoting, ask every insurance company which discounts you qualify for. Savings may not be offered in your area. If you would like to see a list of insurance companies that offer discounts, enter your zip code here.

It’s not one size fits all

When it comes to choosing coverage, there is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • When should my teen driver be added to my policy?
  • Am I getting all the discounts available?
  • What is UM/UIM insurance?
  • If my 2023 Volkswagen Jetta is totaled, can I afford another vehicle?
  • Do all my vehicles need collision coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How do I file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and enter your zip code. It’s fast, free and can help protect your family.

Information about specific coverages

Learning about specific coverages of auto insurance can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like hospital visits, EMT expenses, doctor visits, nursing services and ambulance fees. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage – Collision coverage pays for damage to your Jetta resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, sideswiping another vehicle, damaging your car on a curb, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability coverages – Liability coverage will cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as repair bills for other people’s vehicles, court costs, bail bonds, medical expenses and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage – This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Volkswagen Jetta.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, damage from a tornado or hurricane, theft, fire damage and a broken windshield. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Smart consumers save more

When you buy insurance coverage online, do not buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced full coverage to discover at claim time that it was a big error on their part. Your aim should be to purchase plenty of coverage for the lowest price while still protecting your assets.

Low-cost 2023 Volkswagen Jetta insurance is available on the web in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from. Some companies do not offer the ability to get a quote online and most of the time these smaller companies only sell coverage through independent agents.

You just learned some good ideas how you can compare 2023 Volkswagen Jetta insurance premium rates online. The key thing to remember is the more you quote insurance coverage, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from some of the smallest insurance companies.

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