View 2016 Volkswagen Jetta Insurance Cost

Feel like you’re a prisoner to high-priced insurance coverage? Don’t sweat it because there are lots of residents who feel the same. Insurance companies such as Geico, Progressive and Allstate continually bombard you with ad campaigns and it is difficult to see through the deception and find the best price available.

Get lower rates with discounts

Insurance coverage is expensive, but you can get discounts that can dramatically reduce your bill. Some discounts will apply at the time of quoting, but some discounts are required to be asked for prior to receiving the credit.

  • Accident Free – Drivers with accident-free driving histories have much lower rates as compared to drivers with a long claim history.
  • Use Seat Belts – Forcing all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying in monthly installments you may reduce your total bill.
  • Cautious Driver Discounts – Accident-free drivers can get discounts for up to 45% lower rates on Jetta insurance as compared to drivers with claims.
  • Telematics Devices – People who choose to allow their insurance company to track driving patterns by using a telematics device in their vehicle such as Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
  • Waiver for an Accident – This isn’t a discount exactly, but certain companies may permit one accident before your rates go up with the catch being you have to be claim-free for a set time period.
  • New Car Discount – Adding a new car to your policy can save up to 30% since newer vehicles have better safety ratings.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. So when it seems like you could get a free insurance coverage policy, companies don’t profit that way.

Popular insurance coverage companies and their possible discounts are shown below.

  • State Farm has discounts for safe vehicle, passive restraint, good driver, good student, defensive driving training, and anti-theft.
  • Esurance offers discounts for anti-theft, Switch & Save, claim free, online quote, multi-car, and safety device.
  • Progressive policyholders can earn discounts including multi-policy, good student, online quote discount, continuous coverage, multi-vehicle, online signing, and homeowner.
  • Liberty Mutual discounts include good student, teen driver discount, preferred payment discount, multi-car, multi-policy, and new graduate.
  • Auto-Owners Insurance includes discounts for company car, safe vehicle, anti-lock brakes, student away at school, teen driver, and anti-theft.
  • Geico offers premium reductions for federal employee, daytime running lights, emergency military deployment, multi-vehicle, anti-theft, and multi-policy.

When getting a coverage quote, ask every prospective company which discounts you qualify for. Savings may not apply to policies in your area. To see insurance companies with the best insurance coverage discounts, click here.

How to shop insurance coverage online

Comparing insurance coverage rates can take hours if you don’t understand the most efficient way. You could waste a few hours driving to local insurance agents in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

The majority of car insurance companies take part in a program where insurance shoppers submit one quote, and each company provides a quote for coverage. This prevents consumers from doing quote forms for each company.

To get comparison pricing now click here to start a free quote.

The single downside to comparing rates this way is you cannot specify which carriers you want to price. So if you want to select specific providers to compare rates, we have a listing of companies who write insurance coverage in your area. View list of insurance companies.

Whichever way you choose to compare rates, try to keep the same coverage limits for each comparison quote. If your comparisons have higher or lower deductibles it’s not possible to make an equal comparison.

How do insurers determine Volkswagen Jetta insurance rates?

The best way to find cheaper insurance is to take a look at the rating factors that are used to determine the price you pay for insurance. If you have a feel for what determines premiums, this empowers consumers to make smart changes that can earn you much lower annual insurance costs. Lots of things are part of the calculation when you quote your car insurance policy. Most are fairly basic like an MVR report, but other criteria are more obscure like where you live or your commute time.

The items below are most of the major factors that factor into your prices.

  • Always keep your coverage in force – Having a gap between insurance policy dates can be a quick way to bump up your insurance costs. And not only will insurance be more expensive, getting caught without coverage could result in a revoked license or a big fine. You may then have to file a SR-22 with your state DMV.
  • Vehicle theft costs us all – Purchasing a vehicle with advanced anti-theft systems can save you a little every year. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent car theft.
  • Only buy coverage you need – Insurance companies have many additional extra coverages that can add up if you aren’t diligent. Insurance for things like vanishing deductibles, towing, and Farm Bureau memberships are examples of these. The coverages may be enticing when buying your policy, but your money might be better spent on other coverage so get rid of them and save.
  • See if your company offers a multi-policy discount – The majority of companies allow discounts to insureds who consolidate policies with them. It’s known as a multi-policy discount. Even if you already get this discount, drivers will still want to check prices from other companies to verify if the discount is saving money. You may still save even more by buying insurance from more than one company.
  • Low physical damage deductibles can be expensive – Your deductibles are how much you are required to pay in the event of a claim. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some instances where coverage would apply are colliding with a stationary object, animal collisions, or theft of your vehicle. The more of the claim you are required to pay out-of-pocket, the lower your rates will be on Jetta insurance.
  • Costs for men may be higher – Over the last 30 years, statistics show women are more cautious behind the wheel. However, this does not mean females are better drivers. They both are responsible for at-fault accidents at a similar rate, but males tend to have higher claims. They also get cited for more serious violations like driving under the influence (DUI).

What is the best insurance coverage coverage?

When buying the best insurance coverage coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help you determine if you could use an agent’s help.

  • Am I covered when pulling a rental trailer?
  • Am I covered when using my vehicle for business?
  • What happens if I owe more than my 2016 Volkswagen Jetta is worth?
  • Am I covered if I break a side mirror?
  • Do I have newly-aquired coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need rental car coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Specifics of your insurance policy

Understanding the coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most insurance policies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for nursing services, chiropractic care, surgery, hospital visits and prosthetic devices. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability auto insurance

Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like structural damage, medical services, emergency aid and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive protection

This covers 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 insurance covers claims like hail damage, rock chips in glass, damage from getting keyed and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

This pays for damage to your Jetta caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sustaining damage from a pot hole, backing into a parked car, scraping a guard rail, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Have the Midas touch

As you quote insurance, do not buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

We just presented some good ideas how you can compare 2016 Volkswagen Jetta insurance car insurance rates online. The most important thing to understand is the more price quotes you have, the higher your chance of finding cheaper insurance. You may even find the best price on insurance is with a lesser-known regional company. They may only write in your state and offer lower premium rates than their larger competitors like State Farm, Geico and Nationwide.

Cheap 2016 Volkswagen Jetta insurance is definitely available online as well as from insurance agents, so you need to quote insurance with both to have the best rate selection. Some insurance companies do not offer rates over the internet and these regional carriers only sell coverage through independent agents.

Additional detailed information is located in these articles:

Comments About 2016 Volkswagen Jetta Insurance

  1. Aaron Reese

    Anyone buy from AAA? I’m in Parkersburg, WV.

  2. Thuy Sutton

    Live in the southern part of Owensboro, KY. Checked online prices for a 2016 Volkswagen Jetta. Ended up at about $160 savings annually. Went with Allstate.

  3. Thomas Cote

    If you have a good history and live in the vicinity of San Diego, CA, check out Allstate. I saved quite a bit. Left Amica to switch. BTW speeding tickets are not good. Not sure if rates are cheaper online or not.

  4. Wiley Collins

    Cheap car insurance? What’s that? I live on the east side of Baton Rouge, Louisiana. I compared lots of rates. Saved about $40 a month. State Farm was the cheapest for me. I have kids on my policy, too. Still almost need a second mortgage.

  5. Malisa Hodge

    I got quite a few price quotes for a 2016 Volkswagen Jetta in Cedar Rapids, Iowa. Ended up at right around $250 every six months with AIG Insurance. Left Esurance to switch.

  6. Ressie Alvarez

    Cheaper car insurance is a myth. I’m from Norman, Oklahoma. I quoted with MetLife, Erie, GEICO, and AIG Insurance for my Jetta and saved around $140 a year. Insured with Eastwood before. Got better coverage too.

  7. Blanche Bush

    I got quite a few price quotes for a 2016 Volkswagen Jetta in Baton Rouge, LA. Ended up at about $450 every six months with AIG Insurance. Left GMAC to switch. I think they have home insurance too. It never hurts to quote around.

  8. Miranda Crosby

    Will State Farm raise rates after an accident?

  9. Maureen Clay

    I got quite a few price quotes for a 2016 Volkswagen Jetta in Lexington, Kentucky. Ended up at right around $310 every six months with Auto-Owners.

  10. Dwayne Le

    If you’re a decent driver and are close to Aurora, CO, check out State Farm. They seem to be cheaper.

  11. Felicidad Carlson

    Like your site, BTW. Found cheapest coverage with Mercury for my Volkswagen and saved around $240 a year. Insured with AIG Insurance before.

  12. Luz Forbes

    Hope my car insurance gets cheaper. I live on the north side of Norman, OK. Compared rates from a lot of places. Saved roughly $40 a month. State Farm was the cheapest for me. I get lower rates because of my clean driving record. Just go online and compare their rates.