2024 Volkswagen Jetta Car Insurance Rates – 8 Ideas for Cheaper Quotes

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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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Searching for cheaper auto insurance rates for your Volkswagen Jetta? Nobody is fond of buying auto insurance, especially knowing the price is too high.

Insurance companies such as Allstate and Progressive promote their brand names with fancy advertisements and it is difficult to ignore the promise of big savings and take the time to shop coverage around.

If you currently have car insurance, you should be able to save some money using these methods. Buying car insurance is easy if you know what you’re doing. Although drivers do need to understand the way companies sell online and apply this information to your search.

How to get affordable insurance

The are a couple different ways to get quotes from many different insurance companies. The fastest way to lower the rate you pay for 2024 Volkswagen Jetta insurance consists of shopping online. It is quite easy and can be accomplished in a couple of different ways.

  • The recommended way consumers can analyze rates would be an industry-wide quote request form. This method saves time by eliminating separate quotes for every company. Filling out one form will return price quotes direct from many companies.
  • A less efficient way to find more affordable insurance requires you to visit each company website and get a separate price quote. For example, let’s say you want to compare prices for Liberty Mutual, State Farm and American Family. To do that, you would have to spend time going to each site individually and type in your information over and over, which is why most consumers use the first method.
  • The last method to do your price quoting is making phone calls or going to different agent offices. The ability to buy insurance online eliminates the middleman unless you have a need for the professional advice only provided by licensed agents. It is possible to get the lowest quotes online but buy the policy through an agent.

You can use whichever method you prefer to find lower rates, just double check that you are using nearly identical coverages and limits on every price quote you get. If your comparisons have mixed coverages it will be nearly impossible to get a fair rate comparison. Quoting even small variations in insurance coverages or limits may result in large price differences. It’s important to know that comparing more company’s prices will improve the odds of getting lower pricing. Not every company provides price estimates online, so it’s recommended that you also compare quotes on coverage from those companies, too.

These eight discounts can lower your car insurance quotes

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that you may not even know about. Certain reductions will be credited at the time of quoting, but a few must be manually applied before they will apply. If you’re not getting every credit available, you may be paying too high a price.

  • Save with a New Car – Insuring a vehicle that is new can save up to 30% because newer models are generally safer.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Jetta insurance than drivers with accident claims.
  • Early Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you can avoid monthly service charges.
  • Safety Course Discount – Taking a safe driver course could possibly earn you a 5% discount if you qualify.
  • Telematics Devices – Drivers that enable their company to spy on their driving habits by using a telematic data system like Allstate’s Drivewise might see lower rates as long as the data is positive.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts can save 10% or more off the personal injury premium cost.
  • Multi-line Discount – Not all companies offer life insurance, but some may give you a lower price if you buy some life insurance in addition to your auto policy.
  • Paper-free Discount – A few larger online companies will give you a small discount for buying your policy over the internet.

As a sidenote, most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will cut your policy cost.

Some companies that may offer quotes with most of the discounts above possibly include:

  • The Hartford
  • American Family
  • Progressive
  • Travelers
  • Farmers Insurance
  • USAA
  • Liberty Mutual

If you are trying to find cheap auto insurance quotes, ask every company what discounts are available to you. Savings might not apply everywhere. To choose insurers with the best car insurance discounts, enter your zip code here.

Different people need different auto insurance coverages

When buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions might point out if your situation would benefit from an agent’s advice.

  • Should I rate my 2024 Volkswagen Jetta as pleasure use or commute?
  • Are my friends covered when driving my car?
  • Will filing a claim cost me more?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out your zip code.

Insurance policy specifics

Knowing the specifics of a insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills for things like pain medications, chiropractic care, X-ray expenses and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Volkswagen Jetta.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liability limits.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, theft, hitting a bird and a broken windshield. The maximum payout 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 probably time to drop comprehensive insurance.

Liability coverage

This protects you from damage that occurs to other’s property or people. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like medical expenses, loss of income and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Collision insurance

This pays for damage to your Jetta resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, rolling your car, crashing into a building, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

One last thing

We just covered a lot of techniques to get a better price on 2024 Volkswagen Jetta insurance. The key thing to remember is the more times you quote, the higher your chance of finding the cheapest auto insurance. You may even find the biggest savings come from a small mutual company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.

Discount 2024 Volkswagen Jetta insurance can be sourced online in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture. Some insurance companies do not provide rates over the internet and many times these small insurance companies prefer to sell through local independent agents.

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