I can't think of anyone who likes paying for auto insurance, particularly when they are paying too much.
Unbelievable but true according to a study over 70% of consumers have been with the same company for at least four years, and just under half have never compared auto insurance rates at all. Most drivers in San Antonio could save roughly 70% a year just by getting comparison quotes, but they don't know the rate savings if they switch to a new company.
Because you have many choices of insurance companies that have cheaper insurance for a Volkswagen Jetta in San Antonio, it can be challenging to locate the cheapest company.
Smart consumers take time to get comparison quotes quite often since prices are adjusted regularly by insurance companies. Even if you think you had the lowest rates on Volkswagen Jetta insurance in San Antonio a year ago you can probably find a better rate quote now. You can find a lot of wrong information about Jetta insurance on the internet, but in this article, you're going to get some of the best ways to find cheap auto insurance in San Antonio.
The best way we recommend to compare rates for Volkswagen Jetta insurance in San Antonio is to take advantage of the fact most of the bigger providers have advanced systems to provide you with a free rate quote. All consumers are required to do is provide a small amount of information including if the car is leased, if you require a SR-22, if you are currently licensed, and types of safety features. Your details is then submitted to multiple different insurance companies and you will receive price estimates very quickly.
To find the cheapest Volkswagen Jetta insurance rates, click here and see if a lower rate is available in San Antonio.
The companies in the list below are ready to provide price quotes in San Antonio, TX. If you wish to find cheap car insurance in Texas, we recommend you click on several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Jetta S 4-Dr Sedan||$256||$504||$366||$22||$110||$1,258||$105|
|Jetta S 2.5 Station Wagon||$156||$306||$340||$20||$102||$924||$77|
|Jetta LE 4-Dr Sedan||$272||$400||$500||$30||$150||$1,352||$113|
|Jetta SE 4-Dr Sedan||$186||$338||$392||$24||$118||$1,058||$88|
|Jetta SE 2.5 Station Wagon||$270||$472||$324||$20||$96||$1,182||$99|
|Jetta 2.0T 4-Dr Sedan||$176||$360||$400||$24||$120||$1,080||$90|
|Jetta SEL 4-Dr Sedan||$176||$360||$430||$26||$128||$1,120||$93|
|Jetta 2.0T Station Wagon||$410||$858||$438||$26||$130||$1,862||$155|
|Get Your Own Custom Quote Go|
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can alter price quotes noticeably.
Full coverage rates vs. liability-only
The illustration below shows the difference between Volkswagen Jetta car insurance costs with and without physical damage coverage. The premium estimates are based on no claims or driving citations, $500 deductibles, single female driver, and no additional discounts are factored in.
When to drop comprehensive and collision
There is no exact rule for excluding comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.
For example, let's assume your Volkswagen Jetta settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after paying the physical damage deductible. If you are paying in excess of $700 a year for physical damage coverage, then it's probably a good time to buy liability coverage only.
There are some circumstances where dropping full coverage is not recommended. If you haven't paid off your loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.
Earn discounts on San Antonio auto insurance
Car insurance can cost a lot, but you may qualify for discounts to help offset the cost. Some of these discounts will be visible at the time of purchase, but some must be requested specifically prior to receiving the credit.
- Discount for New Cars - Putting insurance on a new Jetta may earn a small discount since newer vehicles have better safety ratings.
- Discount for Swiching Early - Select companies give a discount for signing up early. You can save around 10% with this discount.
- Life Insurance Discount - Select insurance companies reward you with a break if you buy some life insurance too.
- Pay Early and Save - If paying your policy premium upfront as opposed to paying monthly you could save 5% or more.
- Auto/Home Discount - If you combine your homeowners and auto policies and place coverage with the same company you could save as much as 10 to 15 percent.
- No Claim Discounts - Drivers who don't have accidents can save substantially as opposed to policyholders that have many claims.
- Discount for Low Mileage - Low mileage vehicles could earn lower rates due to less chance of an accident.
- Senior Citizens - Drivers that qualify as senior citizens can get a discount up to 10%.
Discounts lower rates, but most of the big mark downs will not be given to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, it's just not the way it works. But any discount will cut the premium cost.
Large auto insurance companies and a partial list of their discounts include:
- State Farm has discounts for defensive driving training, multiple autos, anti-theft, multiple policy, and accident-free.
- GEICO has savings for federal employee, five-year accident-free, defensive driver, daytime running lights, and air bags.
- Progressive offers discounts for homeowner, continuous coverage, online quote discount, online signing, good student, and multi-policy.
- 21st Century includes discounts for air bags, theft prevention, automatic seat belts, homeowners, good student, and 55 and older.
- American Family discounts include defensive driver, good student, Steer into Savings, good driver, multi-vehicle, and early bird.
- The Hartford may include discounts for air bag, anti-theft, bundle, good student, and driver training.
- AAA policyholders can earn discounts including multi-policy, pay-in-full, good student, good driver, anti-theft, multi-car, and education and occupation.
Double check with all companies you are considering which credits you are entitled to. All car insurance discounts may not apply to policyholders in San Antonio. To choose insurers with significant discounts in Texas, follow this link.
Educated Choices Result in Lower Insurance Costs
It's important that you understand the rating factors that go into determining the level of your policy premiums. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that may result in lower auto insurance prices.
The itemized list below are a few of the things used by companies to determine your premiums.
Males are more aggressive - Over the last 50 years, statistics have shown females are less aggressive when driving. The data does not necessarily mean that males are worse at driving than females. Both genders tend to get into fender benders in similar numbers, but guys tend to have more serious accidents. In addition to higher claims, males also have more aggressive citations like DWI (DUI) or reckless driving. Young males are the most expensive to insure and are penalized with high auto insurance rates.
Vehicles with better crash test results are cheaper to insure - Safe vehicles can get you lower premiums. The safest vehicles reduce occupant injuries and lower injury rates means less money paid by your insurance company which can mean better rates for you.
Bad credit will cost you - Having a good credit score is a big factor in determining what you pay for auto insurance. Insureds that have very good credit scores tend to be better drivers and file fewer claims than those with lower credit scores. If your credit history is not that good, you could save money insuring your Volkswagen Jetta by improving your credit score.
Insurance rates in urban areas - Living in small towns and rural areas can save you money when buying auto insurance. Lower population means less chance of accidents as well as less vandalism and auto theft. Drivers who live in large Texas cities tend to have more traffic problems and longer commute times. Higher commute times means a statistically higher chance of an accident.
Vocation and insurance premiums - Careers like lawyers, airline pilots, and stock brokers generally have higher premium rates attributed to intense work situations and lots of time spent at work. Other jobs like actors, students and homemakers have the lowest average rates.
Pay more by driving carelessly - Attentive drivers have lower premiums compared to drivers with tickets. Even one ticket can increase rates substantially. Drivers who have received dangerous violations like reckless driving, hit and run or driving under the influence may find that they have to to complete a SR-22 with the DMV in their state in order to keep their license.
What are good liability limits? - Your policy's liability coverage is the coverage that protects you in the event that you are determined to be liable for an accident. Your liability coverage provides legal defense coverage starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
More performance means higher rates - The performance level of the car you are insuring makes a substantial difference in determining your rates. The best insurance prices will normally be found when insuring lower cost passenger cars, but other factors influence the final cost greatly. Since the Volkswagen Jetta falls in the compact car class, rates will be the same to a little lower than the average rate where you live in San Antonio.
Volkswagen Jetta historical loss data - Insurance companies analyze historical claim data in order to profitably underwrite each model. Models that the data shows to have higher frequency or amount of claims will cost more to insure. The next table shows the actual insurance loss data for Volkswagen Jetta vehicles.
For each type of coverage, the statistical loss for all vehicles, regardless of manufacturer or model, equals 100. Values below 100 indicate better than average losses, while values that are above 100 point to more claims or statistically larger claims.
Volkswagen Jetta Insurance Loss Statistics
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Volkswagen Jetta Hybrid||128||121||114||104|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Local San Antonio insurance agents
Many drivers still prefer to get advice from a local agent and doing so can bring peace of mind The biggest benefit of comparing rates online is the fact that drivers can get cheaper rates and still have an agent to talk to. Putting coverage with local agents is important especially in San Antonio.
For easy comparison, once you complete this simple form, your coverage information is submitted to local insurance agents that can provide free San Antonio auto insurance quotes and help you find cheaper coverage. You won't need to search for an agent as quotes are delivered to you. You can find lower rates without the usual hassles of price shopping. If you wish to get a price quote from a specific company, just find their quoting web page and give them your coverage information.
If you are wanting to find a reputable agency, there are two types of insurance agents and how they work. Insurance agencies are classified as either independent agents or exclusive agents depending on their employer.
Agents that elect to be independent do not write with just one company so as a result can place your coverage with multiple insurance companies and find you the best rates. If prices rise, they simply move the coverage in-house and you don't have to switch agencies.
When searching for an agent, we recommend you contact at least one independent agent to get the most accurate price comparison.
The following is a partial list of independent insurance agents in San Antonio that can give you price quotes.
Legion Insurance Agency
5309 Wurzbach Rd - San Antonio, TX 78230 - (210) 693-1501 - View Map
Agents that choose to be exclusive have only one company to place business with and examples are Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agents are usually quite knowledgeable on their company's products which helps overcome the inability to quote other rates.
Listed below is a list of exclusive insurance agencies in San Antonio that can give you rate quotes.
Choosing an auto insurance agent should include more criteria than just the premium amount. These questions are important to ask:
- How long have they been in business?
- Is their price quote a firm figure or are their hidden costs?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Does the company have a solid financial rating?
- Are you getting all the discounts the company offers?
- Is there a 24/7 contact number?
- Do you work with a CSR or direct with the agent?
If you feel you receive reasonable responses to any questions you may have and cheaper Jetta insurance quotes, you have narrowed it down to an insurance agency that will insure your vehicles. Just be aware that policyholders can cancel coverage whenever you wish so never assume you are locked into any particular company for the full term.
One last note
Cheaper car insurance in San Antonio can be found online in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis. Some car insurance companies don't offer online rate quotes and these smaller providers prefer to sell through independent agents.
We just presented many tips how you can shop for Volkswagen Jetta insurance online. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers may even find the most savings is with the least-expected company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like GEICO and State Farm.
More information can be read at the links below
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Who Has Affordable Texas Car Insurance Quotes for Low Income Drivers? (FAQ)
- Who Has Cheap Car Insurance Rates for a Chevrolet Silverado in Texas? (FAQ)
- Who Has the Cheapest Car Insurance for a 20 Year Old Male in Texas? (FAQ)
- How Much is Auto Insurance for Young Drivers in Texas? (FAQ)
- What Car Insurance is Cheapest for Seniors in Texas? (FAQ)
- Who Has the Cheapest Texas Car Insurance Quotes for Inexperienced Drivers? (FAQ)
- Side Impact Crash Tests (iihs.org)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Airbag FAQ (iihs.org)