How Much Does 2010 Volkswagen Jetta Insurance Cost?

Searching for cheaper auto insurance rates for your Volkswagen Jetta? Drivers fed up with high insurance quotes and are new to shopping for insurance online can find buying cheap car insurance is harder than they anticipated.

First Step: Get free auto insurance quotes

When looking for cheap car insurance quotes, there are a couple ways of comparing rates from different insurance companies. One of the best ways to compare rates is to jump online and get quotes. This is very easy and can be done by using one of the methods below.

  1. The fastest way to get quotes for comparison is a comparison rater form click to view form in new window. This type of form keeps you from doing repetitive form submissions to each individual auto insurance company. A single, simple form gets insurance cost estimates from auto insurance companies with the best prices. It’s the fastest way to compare.
  2. A less efficient way to get comparison quotes is to manually visit each company’s website to complete their respective quote request forms. For instance, we’ll assume you want to compare rates from Geico, Progressive and Liberty Mutual. You would need to go to each individual site to input your insurance information, which can be really labor intensive. For a list of links to companies insuring cars in your area, click here.
  3. The old school way to quote and compare insurance rates is to drive around to and from local insurance agencies. Comparing rate quotes online has reduced the need for local agents unless you want the professional guidance of a local agent. If you prefer, some companies allow you to get prices online but have your policy serviced through an agent.

However you get your quotes, make absolute certain that you use identical coverage limits on every quote. If each company quotes different deductibles you will not be able to determine the best price for your Volkswagen Jetta. Even a minor difference in coverages could skew the results. And when comparison shopping, quoting more increases your odds of finding lower pricing.

Are you receiving every discount?

Companies offering auto insurance don’t always advertise every possible discount in a way that’s easy to find, so the list below details some of the more common and the more hidden credits available to bring down your rates. If you are not receiving all the discounts available, you are paying more than you should be.

  • Discounts for Responsible Drivers – Insureds who avoid accidents can pay as much as 50% less for Jetta coverage than less cautious drivers.
  • Driver Safety – Taking part in a course that instructs on driving safety could possibly earn you a 5% discount if your company offers it.
  • Early Signing – A few car insurance companies give discounts for switching companies before your current coverage expires. You can save around 10% with this discount.
  • Club Memberships – Being in certain professional organizations is a good way to get lower rates when getting a car insurance quote.
  • Government Employee Discount – Having worked for a branch of the government can save as much as 8% for Jetta coverage but check with your company.
  • No Claim Discounts – Claim-free drivers pay less compared to frequent claim filers.
  • Discount for Life Insurance – Select companies reward you with a discounted price on car insurance if you buy a life policy as well.

You should keep in mind that most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you could get a free car insurance policy, nobody gets a free ride.

To see insurers who offer cheap car insurance quotes, click this link.

What determines Volkswagen Jetta insurance costs?

A large part of saving on insurance coverage is knowing some of the elements that play a part in calculating your insurance coverage rates. When you know what positively or negatively determines premiums, this allows you to make educated decisions that can earn you much lower annual insurance costs. Lots of factors are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but other criteria are not as apparent like where you live or your financial responsibility.

The list below includes just a few of the factors used by companies to determine rates.

  • Your location is important – Residing in a small town has it’s advantages when it comes to insurance coverage. People in densly populated areas regularly have congested traffic and higher rates of accident claims. Less people living in that area translates into fewer accident claims and also fewer theft and vandalism claims.
  • Teenagers vs. experienced drivers – Beginning drivers have a tendency to be more careless when driving therefore insurance coverage rates are much higher. Older drivers are more responsible, file fewer claims and tend to be get fewer driving tickets.
  • Good drivers pay less – Just one moving violation can bump up the cost by as much as twenty percent. Good drivers pay less for auto insurance as compared to careless drivers. Drivers who have gotten multiple violations like DWI, reckless driving or hit and run convictions may find that they have to to complete a SR-22 with their state’s licensing department in order to continue driving.
  • Responsible credit saves on insurance coverage – Your credit score is a big factor in calculating your premium rate. Therefore, if your credit history can be improved, you may save money insuring your 2010 Volkswagen Jetta by spending a little time repairing your credit. Consumers who have good credit tend to be more responsible and file fewer claims as compared to drivers with worse credit.
  • Physical damage deductibles – Physical damage protection, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Volkswagen. Examples of covered claims are running into the backend of another car, flood damage, or theft. Comp and collision deductibles define the amount you are required to spend out-of-pocket if the claim is covered. The larger the amount you pay before a claim is paid (deductible), the lower your rates will be for Jetta coverage.
  • Always keep your insurance coverage in place – Driving any period of time without insurance is a misdemeanor and any future policy may cost more because you let your insurance lapse. In addition to paying higher rates, the inability to provide proof of insurance could result in a hefty fine and possibly a revoked license.

When in doubt talk to an agent

When it comes to choosing the right insurance coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether you could use an agent’s help.

  • Is business equipment covered while in my vehicle?
  • I don’t drive much so do I pay less?
  • Am I covered if my car is in a flood?
  • Why am I required to get a high-risk car insurance policy?
  • Does medical payments coverage apply to all occupants?
  • How many claims can I have before being cancelled?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Don’t be fooled by advertising claims

Auto insurance providers like State Farm, Geico and Progressive endlessly run ads on television and other media. All the companies advertise the message that drivers can save some big amount if you change your policy. How does every company have lower policy pricing? Just pay attention to how they say it.

Companies give the cheapest rates for the type of driver that earns them a profit. For instance, a desirable risk should be a married female, has no driving citations, and does not commute to work. Anybody who matches those parameters may get the lowest premium rates and most likely will save if they switch.

Potential customers who don’t qualify for those criteria will be charged higher premium rates and this can result in the customer buying from a different company. If you pay close attention to the ads, they say “people that switch” not “everyone who quotes” save that much money. This is how insurance companies can confidently lure you into getting a quote.

Different companies use different criteria so you absolutely need to get price quotes at each policy renewal. It’s not possible to predict which auto insurance company will have the lowest rates.

Insurance coverage specifics

Having a good grasp of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Auto liability – This coverage provides protection from damage that occurs to a person or their property by causing an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. 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 can pay for claims such as pain and suffering, medical services and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Collision coverage – This pays for damage to your Jetta resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with another moving vehicle, crashing into a building, backing into a parked car, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like nursing services, pain medications and chiropractic care. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive protection – This pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like vandalism, hail damage, fire damage, damage from flooding and hitting a deer. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Do the work, save more money

As you quote car insurance, make sure you don’t buy poor coverage just to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your objective should be to get the best coverage possible at a price you can afford and still be able to protect your assets.

Drivers switch companies for a variety of reasons including policy cancellation, poor customer service, lack of trust in their agent and even denial of a claim. Whatever your reason, finding a new insurance company is easier than you think.

Cheap 2010 Volkswagen Jetta insurance can be sourced online in addition to local insurance agencies, so you should compare both to get a complete price analysis. Some companies don’t offer online quoting and most of the time these small, regional companies provide coverage only through independent agents.

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