Car Insurance Quotes for a Volkswagen Jetta in San Diego

Volkswagen Jetta insurance policy
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Discount Volkswagen Jetta insuranceDo 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.

Volkswagen Jetta Insurance Price Estimates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $422 $844 $596 $36 $178 $2,076 $173
Jetta S 2.5 Station Wagon $214 $386 $354 $20 $106 $1,080 $90
Jetta LE 4-Dr Sedan $346 $632 $456 $26 $136 $1,596 $133
Jetta SE 4-Dr Sedan $228 $482 $574 $34 $172 $1,490 $124
Jetta SE 2.5 Station Wagon $204 $418 $394 $24 $118 $1,158 $97
Jetta 2.0T 4-Dr Sedan $272 $426 $578 $34 $174 $1,484 $124
Jetta SEL 4-Dr Sedan $204 $418 $500 $30 $150 $1,302 $109
Jetta 2.0T Station Wagon $204 $440 $424 $26 $128 $1,222 $102
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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.

Volkswagen Jetta insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $380 $686 $442 $26 $132 $1,691 $141
Jetta S 2.5 Station Wagon $380 $686 $376 $22 $112 $1,601 $133
Jetta LE 4-Dr Sedan $380 $686 $442 $26 $132 $1,691 $141
Jetta SE 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
Jetta SE 2.5 Station Wagon $430 $810 $376 $22 $112 $1,775 $148
Jetta 2.0T 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
Jetta SEL 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
Jetta 2.0T Station Wagon $430 $810 $376 $22 $112 $1,775 $148
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Volkswagen Jetta insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $210 $362 $442 $26 $132 $1,172 $98
Jetta S 2.5 Station Wagon $210 $362 $376 $22 $112 $1,082 $90
Jetta LE 4-Dr Sedan $210 $362 $442 $26 $132 $1,172 $98
Jetta SE 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
Jetta SE 2.5 Station Wagon $238 $426 $376 $22 $112 $1,174 $98
Jetta 2.0T 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
Jetta SEL 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
Jetta 2.0T Station Wagon $238 $426 $376 $22 $112 $1,174 $98
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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.

How to determine when to raise your deductibles

Average monthly premium for $100 deductibles: $147
Average monthly premium for $1,000 deductibles (subtract): - $100
Monthly savings from raising deductible: $47
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $47
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

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 money with discounts

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.

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.Higher deductibles save money For example, these questions could help you determine whether or not you might need professional guidance.

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.

Insurance agents in San DiegoTo 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.

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.

5210 Balboa Ave, Ste A1 - San Diego, CA 92117 - (858) 277-1400 - View Map

7332 Casper Dr - San Diego, CA 92119 - (619) 464-4261 - View Map

Steve Elder - State Farm Insurance Agent
9225 Mira Mesa Blvd #208d - San Diego, CA 92126 - (858) 271-8928 - View Map

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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.

701 B St #2100 - San Diego, CA 92101 - (619) 744-5000 - View Map

16855 W Bernardo Dr # 230 - San Diego, CA 92127 - (858) 487-3737 - View Map

11440 W Bernardo Ct #161 - San Diego, CA 92127 - (858) 431-9880 - View Map

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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.

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