Find Cheaper Volkswagen Jetta Insurance in Jacksonville

How long has it been since you sat down and looked for more competitive Volkswagen Jetta insurance in Jacksonville? There isn’t anyone who likes having to buy car insurance, in particular when the cost is too high.

Smart shoppers know that auto insurance companies don’t want customers comparing rates. Insureds who get comparison quotes once a year will, in all likelihood, switch companies because they have a good chance of finding a more affordable policy. A recent survey revealed that consumers who did price comparisons regularly saved about $3,500 over four years as compared to drivers who don’t make a habit of comparing rates.

If finding the best price on Volkswagen Jetta insurance is your target objective, then having some knowledge of how to shop for cheaper coverage can make the process more efficient.

How to quote cheaper Volkswagen Jetta insurance in Jacksonville

The recommended way to find better pricing on Volkswagen Jetta insurance is to compare prices at least once a year from companies that sell auto insurance in Jacksonville.

1. Read and learn about car insurance and the things you can change to prevent expensive coverage. Many policy risk factors that are responsible for high rates such as getting speeding tickets and a low credit rating can be amended by making minor driving habit or lifestyle changes.
2. Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like GEICO or State Farm, while agents who are independent can quote rates from multiple companies.
3. Compare the new rate quotes to your existing rates and determine if there is any savings. If you can save money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

The most important part of this process is to use the same physical damage deductibles and liability limits on every quote request and to quote with all possible companies. Doing this provides a fair rate comparison and a complete rate analysis.

With so many different company options, it can be challenging to pick the best car insurance provider.

It’s important to compare premium rates every six months because car insurance prices are constantly changing. Despite the fact that you may have had the lowest price on Volkswagen Jetta insurance in Jacksonville last year the chances are good that you can find a lower rate today. There is a lot of bad information regarding Jetta insurance online but in this article, you’re going to get some guaranteed methods to find affordable car insurance in Jacksonville.

Locating the most cost-effective insurance policy in Jacksonville is really quite simple as long as you have a good starting point. If you have insurance now, you will most likely be able to reduce the price you pay using the tips covered below. You just need to understand how to get comparison rates from multiple carriers.

Rates and statistics

The price information below showcases estimates of coverage costs for Volkswagen Jetta models. Understanding how insurance policy rates are calculated is important for you to make smart choices when buying a car insurance policy.

Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Price information does not factor in Jacksonville location which can alter premiums considerably.

Raise deductibles and save

The hardest decision when buying coverage is at what level do you set your deductibles. The comparisons below lay out the differences in price between low and high deductibles. The first data table uses a $100 deductible and the second price chart uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Prices do not factor in your specific Jacksonville location which can lower or raise auto insurance rates substantially.

Based on this data, using a $100 deductible would cost the average driver about $45 more each month or $540 each year than choosing the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 20 months between claims, you would probably be better off if you choose the higher deductible.

Irresponsible driving raises your rates

The illustration below demonstrates how speeding tickets and fender-benders impact Volkswagen Jetta insurance premiums for different age groups of insureds. The prices are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

Should you buy full coverage?

The information below illustrates the difference between Volkswagen Jetta insurance costs with full physical damage coverage and with liability coverage only. The rates are based on no tickets, no at-fault accidents, $250 deductibles, single marital status, and no discounts are factored in.

When to stop paying for full coverage

There is no exact formula for eliminating comp and collision coverage, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s pretend your Volkswagen Jetta settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after you pay the deductible. If premiums are more than $500 annually for your policy with full coverage, then you might want to think about dropping full coverage.

There are some scenarios where removing full coverage is not a good idea. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

Cheap Jacksonville car insurance quotes with discounts

Some providers don’t necessarily list their entire list of discounts very well, so we researched both well-publicized as well as the least known credits that you can use to lower your rates.

• College Student – Children who attend college more than 100 miles from Jacksonville without a vehicle on campus can receive lower rates.
• Theft Prevention Discount – Cars with anti-theft systems have a lower chance of being stolen and will save you 10% or more on Jetta insurance in Jacksonville.
• New Car Discount – Buying insurance coverage on a new vehicle can cost up to 25% less since new model year vehicles are generally safer.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy some life insurance too.
• Memberships – Joining certain professional organizations may earn a discount when shopping for car insurance.
• Telematics Data Discounts – Drivers that enable their insurance company to analyze driving patterns by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if their driving habits are good.
• Military Discounts – Being on active duty in the military could trigger a small discount.
• Early Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you may reduce your total bill.

We need to note that most of the big mark downs will not be given to all coverage premiums. A few only apply to the cost of specific coverages such as medical payments or collision. Even though it appears adding up those discounts means a free policy, you’re out of luck.

The example below visualizes the comparison of Volkswagen Jetta car insurance costs with and without discounts applied to the policy premium. The premiums are based on a male driver, no accidents, no driving violations, Florida state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, multi-car, homeowner, and marriage discounts applied.

Large car insurance companies and some of the discounts are included below.

• Mercury Insurance includes discounts for annual mileage, age of vehicle, good student, type of vehicle, location of vehicle, and multi-car.
• Farmers Insurance policyholders can earn discounts including multi-car, homeowner, early shopping, youthful driver, switch companies, and distant student.
• Farm Bureau has discounts for good student, multi-policy, multi-vehicle, 55 and retired, youthful driver, driver training, and renewal discount.
• State Farm has savings for Drive Safe & Save, defensive driving training, multiple policy, passive restraint, and student away at school.
• Allstate offers premium reductions for resident student, eSmart discount, teenSMART discount, new car, and anti-lock brakes.
• GEICO may have discounts that include five-year accident-free, emergency military deployment, good student, air bags, federal employee, multi-vehicle, and daytime running lights.

If you want the cheapest Volkswagen Jetta rate quotes, ask all companies you are considering how many discounts you can get. A few discounts may not be available in Jacksonville. To view insurance companies who offer online Volkswagen Jetta insurance quotes in Florida, click here.

Parts of your car insurance policy

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages available from car insurance companies.

Liability – This provides protection from injuries or damage you cause to people or other property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t 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. You commonly see limits of 10/20/10 that translate to a $10,000 limit per person for injuries, a total of $20,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property.

Liability can pay for things like structural damage, attorney fees, pain and suffering and legal defense fees. How much coverage you buy is a personal decision, but buy as much as you can afford. Florida requires minimum liability limits of 10/20/10 but it’s recommended drivers buy more coverage.

The next chart shows why buying the state minimum limits may not be adequate.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for immediate expenses such as ambulance fees, EMT expenses and nursing services. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive car insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, falling objects, hitting a deer, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Jetta.

Since a lot of drivers carry very low liability coverage limits (10/20/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, scraping a guard rail, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible on your Jetta to save money on collision insurance.

A conclusion for your auto insurance search

We just presented many ways to save on Volkswagen Jetta insurance in Jacksonville. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even be surprised to find that the lowest car insurance rates are with an unexpected company. Regional companies can often provide lower premium rates in certain areas compared to the large companies like State Farm or Progressive.

When you buy Jacksonville auto insurance online, you should never buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to discover later that it was a big mistake. Your strategy should be to buy a smart amount of coverage for the lowest price, but do not sacrifice coverage to save money.

How to find affordable quotes for Volkswagen Jetta insurance in Jacksonville

If saving the most money is your goal, then the best way to find cheaper Volkswagen Jetta insurance in Jacksonville is to start doing a yearly price comparison from companies who provide auto insurance in Florida. You can compare prices by following these guidelines.

• First, get an understanding of how car insurance works and the measures you can take to prevent high rates. Many risk factors that result in higher rates like accidents, traffic violations, and poor credit history can be amended by making minor changes to your lifestyle.
• Second, quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like Progressive and State Farm, while independent agencies can quote rates for a wide range of companies. Compare rates now
• Third, compare the new rate quotes to your current policy to see if a cheaper rate is available in Jacksonville. If you can save money, verify that coverage does not lapse between policies.
• Fourth, provide proper notification to your current company to cancel your current coverage and submit the completed application along with a down payment to the new insurer. Once received, place the new certificate verifying coverage in your glove compartment.

One piece of advice is to make sure you’re comparing identical coverages on each price quote and and to look at as many companies as you can. This ensures the most accurate price comparison and a better comparison of the market.

More tips and info about auto insurance is available by following these links:

• Teen Driver Licensing Information (iihs.org)
• Who Has the Cheapest Jacksonville Auto Insurance Rates for Seniors? (FAQ)
• Who Has Affordable Jacksonville Car Insurance for Drivers Over Age 50? (FAQ)
• Who Has Affordable Jacksonville Auto Insurance for Electric Cars? (FAQ)
• Uninsured Motorist Statistics (Insurance Information Institute)
• Airbag FAQ (iihs.org)
• Auto Theft Statistics (Insurance Information Institute)