Lower Your 2010 Volkswagen Jetta Insurance Quotes

Pretty sure you bought high-priced auto insurance? Trust us, there are lots of residents who feel the same. Due to the fact that there are so many choices of insurance companies, it can be diffult for people to pick the best auto insurance provider.

Auto insurance quotes comparison

Reducing your 2010 Volkswagen Jetta insurance rates is actually quite simple. The only requirement is to invest a few minutes comparing rate quotes from different insurance companies. It is quite easy and can be accomplished using one of these methods.

  • The first (and easiest) way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This easy form prevents you from having to do multiple quote forms for every company. One form will return quotes from multiple companies.
  • A different way to analyze rates is spending the time to visit each individual company website and go through the quote process again. For instance, we’ll pretend you want to compare prices for Allstate, Esurance and Progressive. In order to get each rate, you would have to go to every website and enter your information, and that explains why we recommend the first method. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you are comparing the same coverages on every quote. If you enter mixed coverages it will be nearly impossible to determine the lowest rate for your Volkswagen Jetta.

Do you really save 40% when you switch?

Consumers get pounded daily by advertisements that promise big savings for switching by companies like Allstate, GEICO and Progressive. They all seem to say the same thing about saving some big amount just by moving your coverage to them.

How can each company make the same claim?

Companies offer their best rates for the type of customer that earns them a profit. A good example of a preferred risk may need to be between the ages of 30 and 45, owns their home, and drives less than 7,500 miles a year. Anybody that meets those criteria will get the preferred rates and as a result will probably cut their rates if they switch.

Potential insureds who cannot meet these stringent criteria may receive a more expensive rate which results in the customer buying from someone else. If you listen to the ad wording, they say “people that switch” but not “everyone who gets a quote” save money. This is how insurance companies can make those statements.

Each company has different criteria, so you should do a quote comparison often. Because without a comparison, you cannot know which insurance coverage company will fit your personal profile best.

How insurance providers calculate Volkswagen Jetta insurance costs

Lots of things are part of the equation when premium rates are determined. Most are fairly basic like your driving record, but other factors are more obscure like your continuous coverage or how safe your car is.

  • Job impacts rates – Jobs such as judges, social workers and financial analysts tend to pay higher rates than the rest of us due to intense work situations and extremely grueling work hours. Conversely, careers such as scientists, engineers and performers get better rates for Jetta coverage.
  • What’s your car’s crash test rating? – Safe vehicles cost less to insure. These vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Volkswagen Jetta scored at minimum four stars on Safercar.gov you may be receiving a better rate.
  • Older drivers pay less – Older drivers are shown to be more cautious, tend to file fewer claims and get fewer tickets.Beginning drivers have a tendency to be inattentive and easily distracted when driving with friends so insurance coverage rates are higher.
  • Women tend to cost less – Over time, data shows women are more cautious behind the wheel. The data does not necessarily mean that males are worse at driving than females. Women and men are responsible for at-fault accidents in similar percentages, but the males tend to have more serious accidents. Not only are claims higher, but men get higher numbers of serious violations like DUI and reckless driving. Young men ages 16 to 20 have the highest risk to insure and therefore are the most expensive to insure.
  • Multiple policies with one company can save – Most major insurance companies will give discounts to clients that have more than one policy in the form of a multi-policy discount. If you currently are using one company, drivers will still want to get quotes from other companies to make sure you are getting the best deal. You may still save money by buying insurance coverage from a different company.

Earn discounts to get lower-cost insurance rates

Companies offering auto insurance don’t necessarily list every disount available in a way that’s easy to find, so the list below contains some of the best known and also the more inconspicuous ways to save on insurance.

  • Multi-line Discount – Larger insurance companies have better rates if you take out some life insurance in addition to your auto policy.
  • Safe Driver Discounts – Insureds without accidents could pay up to 40% less for Jetta coverage than drivers with accident claims.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts as much as 30%.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you may have a lower total premium amount.
  • Employee of Federal Government – Being employed by or retired from a federal job could provide a small rate reduction for Jetta coverage but check with your company.
  • Organization Discounts – Joining qualifying clubs or civic groups can get you a small discount when getting a insurance quote.
  • Renewal Discounts – Some companies provide a discount for switching policies before your current policy expires. The savings is around 10%.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.

One thing to note about discounts is that most discount credits are not given the the whole policy. Some only reduce individual premiums such as comprehensive or collision. So even though you would think you could get a free insurance policy, companies don’t profit that way.

Auto insurance companies that have these discounts may include but are not limited to:

If you need lower rates, check with each insurance company which discounts you may be entitled to. Some discounts listed above may not apply to policies in your area. If you would like to choose from a list of providers who offer cheap insurance quotes, click here to view.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different so this has to be addressed. For example, these questions might point out whether you may require specific advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my teen driver covered when they drive my company car?
  • Am I covered when driving a rental car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my teenager covered with friends in the car?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Car insurance coverage specifics

Understanding the coverages of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most car insurance policies.

Liability insurance – This coverage can cover damage that occurs to a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like court costs, medical services, loss of income, pain and suffering and structural damage. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Collision coverages – This coverage covers damage to your Jetta resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a ditch, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Volkswagen Jetta.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision) – This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, vandalism, damage from a tornado or hurricane and hail damage. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance – Med pay and PIP coverage pay for short-term medical expenses like EMT expenses, rehabilitation expenses, surgery, doctor visits and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Quote more. Save more.

We’ve covered a lot of techniques to save on 2010 Volkswagen Jetta insurance. The key thing to remember is the more quotes you get, the better chance you’ll have of finding cheaper insurance. Drivers may discover the most savings is with an unexpected company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.

As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. There have been many cases where someone sacrificed physical damage coverage only to find out they didn’t have enough coverage. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

Some companies don’t offer internet price quotes and usually these small, regional companies work with local independent agencies. Budget-friendly insurance coverage is possible on the web in addition to local insurance agencies, so you should compare both so you have a total pricing picture.

More information can be read at these links:

Comments About 2010 Volkswagen Jetta Insurance

  1. Ursula Holmes

    Got a quote with Safeco for my Jetta and cut my rates about $550 a year.

  2. Emeline Mcmillan

    Thought I’d throw in my experience. I live on the east side of Hartford, CT. I got free prices from Amica, Safeco, and Travelers for my Volkswagen and I think I cut my rates about $50 each month.

  3. Whitney Odom

    Progressive quoted the best rates in Washington.

  4. Herta Duffy

    I live north of Columbus, OH. Got prices from American Family, Safeco, and USAA for my Volkswagen and saved $99 a year. I get lower rates because of my clean driving record. Just waiting to see how claims go.

  5. Audra Coffey

    Went with USAA for my 2010 Volkswagen Jetta and cut my rates about $160 a year. Was with Hartford. I increased coverages a little too. It was easy to get rates.

  6. Gretta Guthrie

    Live in Cranston, RI. I quoted with Nationwide, Eastwood, Allstate, and AAA for my Volkswagen and saved $257 a year. Was with Esurance. Online quotes are the way to go.

  7. Colby Osborn

    I’m just east of Grand Rapids, Michigan. Quoted a bunch of companies. Saved about $20 a month. 21st Century was the most affordable for me. I’m a pretty low risk driver. They have free quotes online.

  8. Gricelda Britt

    Good detail in your article. I’m from Columbia, SC. Quoted with Allstate, AAA, and Eastwood for my Volkswagen and saved $560 a year. Teenage drivers are expensive!

  9. Celine Sexton

    In Houston, Texas, Amica had the best rates for my 2010 Volkswagen Jetta.

  10. Roxann Cochran

    Does New Jersey require a SR-22 after a DUI?

  11. Candace Washington

    Affordable car insurance is a myth. Live in Paterson, New Jersey. I got free quotes with Liberty Mutual, Auto-Owners, Mercury, and a couple others for my Volkswagen and I’m now saving $43 a month. Left MetLife to switch. Thankfully I’m not a high risk driver. I quoted rates online then called them.

  12. Elva Fuentes

    I found pretty cheap rate quotes for a 2010 Volkswagen Jetta in Cranston, RI. Ended up at right around $310 every six months with American Family. Insured with Liberty Mutual before. Highly recommended.

  13. Tiffany Hooper

    Will GEICO do a SR22 in Eugene, OR?

  14. Bettina Guerrero

    Cheaper not always better. I’m in the south part of Kailua, Hawaii. I got free rates from American Family, Sentry, and a few others for my Jetta and saved around $220 a year. My new agent seems to be really good.

  15. Herlinda Pugh

    Great site. I’m in Worcester, MA. I got free quotes from Allstate, American Family, and Encompass for my Volkswagen and saved just over $360 a year. Left The General to switch. They offer free online rate quotes.

  16. Janee Campbell

    Proud to be from Des Moines, IA. Quoted quotes with Progressive, Esurance, and The General for my 2010 Volkswagen Jetta and saved $532 a year.