2018 Volkswagen Jetta Insurance Quotes – 10 Policy Discounts

Want the cheapest auto insurance rates for your Volkswagen Jetta? Trying to find the cheapest insurance for a Volkswagen Jetta can turn out to be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to find auto insurance online and you need to know the proper way to price shop coverage on a Volkswagen and obtain the cheapest rates.

Finding affordable coverage is easy if you know what you’re doing. If you have insurance now or need a new policy, you will benefit by learning to cut your premiums and possibly find even better coverage. Vehicle owners only need an understanding of the tricks to compare rates on the web.

Free auto insurance quotes

Reducing your 2018 Volkswagen Jetta insurance rates is not rocket science. Consumers just need to take time getting comparison quotes provided by online insurance companies. Rate comparisons can be done using one of these methods.

  1. The first (and easiest) way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for a different quote for every company. Taking the time to complete one form will return quotes from several companies. It’s definitely the quickest method.
  2. A more difficult way to find lower rates is spending the time to visit the website for every company you want to comare to complete their respective quote request forms. For example, let’s say you want comparison quotes from State Farm, Farmers and Geico. In order to compare rates, you need to navigate to each company’s site to input your insurance information, which is why first method is reommended.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare exactly the same quote information for every quote you compare. If the quotes have mixed coverages it’s impossible to make an equal comparison.

Insurance discounts help lower rates

Not many people think insurance is cheap, but you might be missing out on some discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you complete an application, but less common discounts must be asked for before you get the savings.

  • Early Renewal Discounts – Some insurance companies give discounts for buying a policy early. Ten percent is about the average savings.
  • Onboard Data Collection – Drivers who elect to allow data collection to scrutinize where and when they drive by using a telematics device such as State Farm’s In-Drive might see lower rates if they are good drivers.
  • Senior Citizen Discount – If you’re over the age of 55, you are able to get reduced rates for Jetta insurance.
  • Cautious Drivers – Accident-free drivers may receive a discount up to 45% for Jetta insurance than their less cautious counterparts.
  • Low Mileage Discounts – Low annual miles could be rewarded with slightly better premium rates than normal.
  • Anti-lock Brake System – Cars and trucks with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Passive Restraints and Air Bags – Options like air bags or motorized seat belts can receive discounts of 20% or more.
  • Include Life Insurance and Save – Larger insurance companies have better premium rates if you take out a life policy as well.
  • Clubs and Organizations – Being in qualifying clubs or civic groups may earn a discount on your policy.
  • Student Discounts – A discount for being a good student can save 20 to 25%. Most companies allow this discount well after school through age 25.

Drivers should understand that some of the credits will not apply to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Insurance companies that have most of these discounts possibly include:

If you need lower rates, check with each insurance company which discounts you qualify for. Discounts might not be offered in your area. To view insurance companies that offer some of these discounts, click this link.

Which is the best insurance?

When buying adequate coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight if you might need an agent’s assistance.

  • Do I have coverage when pulling a U-Haul trailer?
  • What are the best liability limits?
  • What are the financial responsibility laws in my state?
  • What can I do if my company denied a claim?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • If my 2018 Volkswagen Jetta is totaled, can I afford another vehicle?
  • Is extra glass coverage worth it?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Insurance policy specifics

Understanding the coverages of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Insurance for medical payments – Med pay and PIP coverage pay for expenses like funeral costs, pain medications, ambulance fees and EMT expenses. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, theft, damage from flooding and fire damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – Collision coverage covers damage to your Jetta from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, sustaining damage from a pot hole, crashing into a building and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Auto liability – This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have 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 a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as bail bonds, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – 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. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Jetta.

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 very important.

One last thing about your coverage

As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. Your focus should be to get the best coverage possible at the best possible price while not skimping on critical coverages.

Some insurance companies may not have rate quotes online and these regional carriers only sell coverage through local independent agents. Affordable 2018 Volkswagen Jetta insurance can be bought on the web as well as from insurance agents, so compare prices from both so you have a total pricing picture.

In this article, we covered many ways to lower your 2018 Volkswagen Jetta insurance premium rates. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even discover the lowest priced insurance comes from some of the lesser-known companies.

Additional articles