Car Insurance Quotes for a Volkswagen Jetta in San Diego

Volkswagen Jetta insurance policy image courtesy of QuoteInspector.com

Do you need a better way to compare low-cost Volkswagen Jetta insurance in San Diego? Nobody I know loves paying for auto insurance, particularly when their premiums are too high.

Sadly, a large majority of drivers kept buying from the same company for at least the last four years, and nearly the majority have never compared auto insurance rates at all. Many drivers in California could save almost 35% a year just by comparing rates, but they don't know how much savings they would realize if they switched to a more affordable policy. Consumers have many auto insurance companies to pick from, and though it is a good thing to be able to choose, too many choices makes it more difficult to find a good deal for Volkswagen Jetta insurance in San Diego.

Buying the cheapest auto insurance in San Diego is actually very simple if you learn how to start. If you have auto insurance now, you will be able to find the best rates using the techniques covered below. You just have to understand the proper way to shop for auto insurance over the internet.

Companies offering Volkswagen Jetta insurance in California

The companies shown below are our best choices to provide price comparisons in California. If multiple companies are listed, we recommend you visit several of them in order to get a fair rate comparison.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can affect prices significantly.

Deductible analysis

The information below illustrates how your deductible choice and can increase or decrease Volkswagen Jetta insurance costs for different ages of insureds. The prices are based on a single male driver, full coverage, and no discounts are applied to the premium.

Difference between liability only and full coverage rates

The diagram below shows the comparison of Volkswagen Jetta insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The prices are based on no claims, a clean driving record, $100 deductibles, married female driver, and no discounts are applied.

When to stop buying comprehensive and collision coverage

There is no clear-cut formula for eliminating full coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle's replacement cost less your deductible, then you might consider buying liability only.

For example, let's assume your Volkswagen Jetta book value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after paying your policy deductible. If you are currently paying more than $800 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are a few cases where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Policy deductibles

One of the hardest decisions when shopping for auto insurance is how high should the physical damage coverage deductibles be. The data tables below may aid in understanding the cost difference when you select higher and lower comp and collision deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Information does not factor in vehicle garaging location which can change price quotes significantly.

We can estimate from the data above that using a $100 deductible will cost you approximately $47 more each month or $564 a year than buying the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 19 months between claims, you would save more money if you choose the higher deductible.

One thing to note is that raising deductibles to save money means you pay more out-of-pocket when you have a comprehensive or collision claim. You should have some savings in the bank in the event you have to pay the deductible for vehicle repair.

Discounts can help lower rates on Volkswagen Jetta insurance in San Diego

Auto insurance can be pricey, but you may find discounts that can help lower your rates. Many of these discounts will be applied automatically when you purchase, but some need to be asked for before being credited.

• Save with a New Car - Buying a new car model is cheaper compared to insuring an older model.
• Braking Control Discount - Anti-lock brake equipped vehicles can avoid accidents so you can save 10 percent or more.
• Senior Citizens - Drivers that qualify as senior citizens can possibly qualify for a small discount on rates.
• Distant College Student Discount - Children living away from San Diego attending college and won't have access to an insured vehicle may qualify for this discount.
• No Claim Discounts - San Diego drivers who stay claim-free can save substantially in comparison to bad drivers.
• Multi-policy Discount - When you have multiple policies with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
• Telematics Data - Drivers that enable driving data submission to monitor when and where they use their vehicle through the use of a telematics system such as Allstate's Drivewise and State Farm's In-Drive system might get better premium rates as long as the data is positive.
• Low Mileage Discounts - Maintaining low annual mileage can earn lower premium rates due to less chance of an accident.
• Homeowners Savings - Simply owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.

One last thing about discounts, most discount credits are not given to the entire policy premium. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears all the discounts add up to a free policy, auto insurance companies aren't that generous.

If you would like to see a list of companies that offer multiple discounts in San Diego, follow this link.

Smart Consumers Can Cut Insurance Costs

Multiple criteria are used when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, although some other factors are not quite as obvious such as your credit history or your financial responsibility. Part of the auto insurance buying process is learning the different types of things that come into play when calculating auto insurance rates. If you have a feel for what impacts premium levels, this allows you to make good choices that can earn you much lower annual insurance costs.

• Does insurance cost less for women? - Statistics show females are less aggressive when driving. Now that doesn't mean males are worse at driving than females. Females and males cause auto accidents in similar numbers, but the males tend to have more serious accidents. Men also have more aggressive citations such as DWI and reckless driving.
• Your address can impact price - Residing in small towns and rural areas is a positive aspect when insuring your vehicles. Drivers in populated areas tend to have more aggressive driving styles and more time behind the wheel. Fewer drivers corresponds to lower accident rates and also fewer theft and vandalism claims.
• Certain jobs pay higher rates - Occupational choices like lawyers, executives and miners are shown to have the highest average rates attributed to stressful work requirements and lots of time spent at work. On the flip side, careers like professors, students and performers have the lowest average rates.
• Adjust physical damage deductibles and save - Comp and collision deductibles define how much you are willing to pay before your auto insurance pays a claim. Physical damage coverage, also called comprehensive and collision insurance, is used to repair damage to your car. Some coverage claims would be collision with another vehicle, damage from fire, and damage from wind. The more you choose to pay out-of-pocket, the bigger discount you will receive.
• Volkswagen Jetta insurance claim data - Insurance companies use historical loss data as a way to help calculate a profitable premium price. Models that tend to have higher claim frequency or loss amount will have higher rates for specific coverages. The table below shows the historical loss data for Volkswagen Jetta vehicles.
  
  For each type of coverage, the claim probability for all vehicles, regardless of make, model or trim level, is represented as 100. Values that are 100 or less suggest a positive loss record, while values that are above 100 point to more losses or larger claims.

  Insurance Loss Ratings for Volkswagen Jetta Vehicles

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Volkswagen Jetta	110	118	93	113	123	127
  Volkswagen Jetta Hybrid	128	121	114	104

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

What is the best insurance coverage?

Keep in mind that when it comes to choosing proper insurance coverage, there really is not a one-size-fits-all type of policy. Everyone's situation is unique and your insurance should unique, too. For example, these questions could help you determine whether or not you might need professional guidance.

• When should I have rental car coverage?
• What happens if I owe more than my Volkswagen Jetta is worth?
• When does my teenage driver need to be added to my policy?
• Should I file a claim if it's only slightly more than my deductible?
• Does medical payments coverage apply to all occupants?
• If I drive on a suspended license am I covered?
• What is the difference between personal and commercial auto insurance policies?
• Should I get collision insurance on every vehicle?
• How can I get the company to pay a claim?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

When to get advice from an insurance agent

Some consumers still like to go talk to an agent and that is a smart decision Most agents are trained to spot inefficiencies and help you file claims. The biggest benefit of comparing auto insurance online is you can get the lowest rates but also keep your business local.

To make it easy to find an agent, after completing this simple form, the coverage information is sent to agents in your area who will gladly provide quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any insurance agencies because prices are sent directly to your email. If you want to get a comparison quote from one company in particular, you just need to visit that company's website and submit a quote form there.

Picking an company should include more criteria than just the quoted price. Here are some questions you might want to ask.

• Who are their largest clients?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Does the agent have a valid license to sell insurance in California?
• Will your rates increase after a single accident?
• Where are claims handled?
• How often do they review policy coverages?

When researching a reputable insurance agent or broker, it's important to understand the different types of agencies from which to choose. Agents can be classified as either independent (non-exclusive) or exclusive. Both properly insure your vehicles, but it is a good idea to know the difference in how they write coverage since it can impact buying decisions.

Exclusive Auto Insurance Agents

Agents that choose to be exclusive are contracted to one company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. They are well schooled on their company's products and that can be a competitive advantage.

The following is a list of exclusive insurance agencies in San Diego that are able to give rate quotes.

View more agents

Independent Agents (or Brokers)

Independent agencies are not locked into one company so they can quote policies with lots of companies and help determine which has the cheapest rates. If they find a cheaper price, your agent can just switch to a different company and that require little work on your part. When searching for an agent, you absolutely need to get some free quotes from several independent insurance agents to get the most accurate price comparison.

Below is a list of independent agencies in San Diego that are able to give rate quotes.

View more agents

Do car insurance companies bend the truth?

California consumers can't ignore all the ads for cheaper car insurance from companies such as Progressive, Allstate and GEICO. All the companies seem to make the promise that drivers will save a bundle if you switch your coverage.

That's great but how can every company claim to save you money? This is the trick they use.

Insurance providers give the best rates for a prospective insured that will most likely be profitable. One example of a driver they prefer might be between the ages of 40 and 55, has a low-risk occupation, and chooses high deductibles. Anybody who fits those characteristics will get very good San Diego auto insurance rates and most likely will save when they switch companies.

Consumers who don't measure up to these standards will be charged a higher premium and the customer not buying. The trick companies use is to say "people who switch" not "all people who quote" save that much money. This is how insurance companies can make the claims of big savings. This emphasizes why drivers must do a price quote comparison at every renewal. It is impossible to guess the company that will have the best Volkswagen Jetta insurance in San Diego.

Affordable car insurance premiums are out there

As you quote San Diego car insurance, it's not a good idea to buy less coverage just to save a little money. There have been many cases where someone sacrificed collision coverage only to regret that the savings was not a smart move. Your objective should be to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

Some car insurance companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents. Low-cost Volkswagen Jetta insurance in San Diego is available online in addition to many San Diego insurance agents, so you should be comparing quotes from both to get a complete price analysis.

More information can be read at these links:

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
• Who Has Affordable San Diego Auto Insurance Quotes for Used Cars? (FAQ)
• Who Has Affordable San Diego Car Insurance for Low Credit Scores? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Equinox in San Diego? (FAQ)
• How Much is San Diego Car Insurance for a Toyota Tacoma? (FAQ)
• Who Has the Cheapest Car Insurance Rates for a Learners Permit in San Diego? (FAQ)
• State Laws for Cellphones and Texting (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)
• Tools for Teen Driving Safety (State Farm)