Cheapest 2018 Volkswagen Jetta Insurance Rates in 2023
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UPDATED: Dec 3, 2021
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Looking for cheaper insurance rates for your Volkswagen Jetta? No one in their right mind loves paying for insurance, particularly when they could find lower prices if they just compared rates.
There is such a variety of insurers to buy insurance from, and even though it’s nice to have multiple companies, it makes it harder to find the best rates for your vehicles.
It’s smart to compare prices before your next renewal because insurance rates go up and down regularly. Despite the fact that you may have had the best rate for Jetta coverage at your last renewal you may be paying too much now. You’ll find a ton of advice on insurance online but in a few minutes you can learn some of the best ways to quit paying high insurance rates.
Insurance quotes comparison
Comparing insurance rates can be challenging if you don’t know the easiest way. You could spend your day talking to local insurance agents in your area, or you can stay home and use the web to get rates in a matter of minutes.
Many of the larger companies enroll in a system that allows shoppers to enter their policy data once, and every company can give them a price for coverage. This system prevents you from having to do quote requests to each individual insurance company.
To use this form to compare rates click to open in new window.
The only drawback to doing it this way is you are unable to specify the providers you will receive quotes from. If you wish to select specific insurance companies for rate comparison, we put together a list of companies who write insurance in your area. View list of insurance companies.
You can choose any of those ways to find more affodable coverage, but be certain you are entering apples-to-apples coverage information for every quote you compare. If you use different data you can’t possibly make a fair rate comparison. Quoting even small variations in coverage limits can make a big difference in price. It’s important to know that comparing more company’s prices will enable you to find more affordable insurance. Some smaller insurers to not give quotes online, so you should also compare prices from the smaller companies as well.
Will you really save $388 on insurance coverage?
Big name companies like Allstate, GEICO and Progressive seem to constantly run ads on TV and radio. They all seem to advertise claims that you can save after switching to their company. How does every company give you a lower rate? It’s all in the numbers.
Different companies have a certain “appetite” for a prospective insured that makes them money. For instance, this type of driver might be described as over the age of 40, carries high limits, and has great credit. Anybody that matches those criteria will probably get the lowest car insurance rates and most likely will pay quite a bit less when switching companies.
Potential insureds who don’t meet those criteria must pay a higher premium which results in the customer not buying. The wording the ads use say “customers that switch” not “everyone who quotes” will save that much if they switch. That is how insurance companies can confidently make claims that they all have the best car insurance rates.
Different companies use different criteria so drivers should compare as many free auto insurance quotes as you can. It is impossible to predict which insurance companies will have the lowest rates.
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These discounts can reduce auto insurance rates
Companies offering auto insurance don’t always publicize all their discounts in an easy-to-find place, so the list below contains some of the best known and also the more inconspicuous credits available to lower your premiums when you buy auto insurance online.
- First Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies will turn a blind eye to one accident without raising rates so long as you are claim-free for a certain period of time.
- Active Military Service – Being deployed with a military unit could qualify you for better rates.
- College Student Discount – Children who attend college more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
- Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft so companies will give you a small discount.
- Anti-lock Brake System – Cars equipped with ABS or steering control are much safer to drive and earn discounts up to 10%.
As a sidenote, some credits don’t apply to the overall cost of the policy. Most cut the cost of specific coverages such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren’t that generous.
To view insurance companies with significant discounts, follow this link.
When do I need an agent’s advice?
When it comes to buying the best car insurance coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions can aid in determining if your situation would benefit from an agent’s advice.
- Where can I get insurance after a DUI in my state?
- Why am I required to get a high-risk car insurance policy?
- Why am I be forced to buy a membership to get insurance from some companies?
- What can I do if my company won’t pay a claim?
- When should my teen driver be added to my policy?
- Is my teen driver covered when they drive my company car?
- What if I total my 2018 Volkswagen Jetta and owe more than it’s worth?
If you don’t know the answers to these questions, then you may want to think about 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.
Specific coverage details
Understanding the coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.
Comprehensive coverage (or Other than Collision)
This covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers claims like damage from a tornado or hurricane, vandalism, hitting a bird, damage from flooding and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like backing into a parked car, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also bump up the deductible to save money on collision insurance.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Volkswagen Jetta.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are identical to your policy’s liability coverage.
Insurance for medical payments
Med pay and PIP coverage provide coverage for bills for EMT expenses, chiropractic care, surgery and funeral costs. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible
Liability insurance can cover damages or injuries you inflict on people or other property. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.
Liability can pay for claims such as court costs, legal defense fees, pain and suffering, emergency aid and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.
Cheaper insurance is a realistic goal
When getting auto insurance quotes online, it’s not a good idea to reduce needed coverages to save money. There have been many cases where drivers have reduced liability limits or collision coverage only to regret at claim time that they should have had better coverage. The proper strategy is to get the best coverage possible at the best price, but don’t skip important coverages to save money.
Cheap 2018 Volkswagen Jetta insurance can be purchased online in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money. Some companies don’t offer online rate quotes and most of the time these smaller providers only sell coverage through independent agents.
Use our FREE quote tool to compare insurance rates now!
Additional detailed information is available in these articles:
- Prom Night Tips for Teen Drivers (State Farm)
- State Car Insurance Guides (GEICO)
- Airbag FAQ (iihs.org)
- How to Avoid Common Accidents (State Farm)
- Preventing Carjacking and Theft (Insurance Information Insitute)
- Side Impact Crash Tests (iihs.org)
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