Find Cheaper Volkswagen Jetta Insurance in Sacramento

Shockingly, the vast majority of drivers have bought insurance from the same company for more than four years, and practically 40% of insurance customers have never compared quotes from other companies. With the average premium in California being $1,400, drivers could cut their rates by 35% a year by just comparing quotes, but most tend to underestimate how much savings they would realize if they swap their current policy for a cheaper one.

Really, the only way to find low-cost prices for auto insurance rates in Sacramento is to regularly compare quotes from insurance carriers who can sell car insurance in California.

1. Take a few minutes and learn about auto insurance and the steps you can take to keep rates low. Many policy risk factors that result in higher prices like traffic citations and a not-so-good credit rating can be remedied by making small lifestyle or driving habit changes.
2. Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like Progressive or Allstate, while independent agencies can quote prices from multiple insurance companies. Compare rates now
3. Compare the new rate quotes to your current policy to see if cheaper Jetta coverage is available. If you can save some money and switch companies, make sure coverage does not lapse between policies.
4. Notify your current company of your decision to cancel your current policy and submit payment and a completed application to the new company. As soon as you receive it, place the new certificate of insurance in an easily accessible location.

A key point to remember is that you’ll want to compare similar limits and deductibles on every quote request and and to analyze all possible companies. This provides a fair price comparison and a complete rate analysis.

Comparing quotes for more affordable insurance policy in Sacramento is easy if you know what you’re doing. If you are already insured or just want cheaper rates, take advantage of these tips to save money and still get good coverage. You only need an understanding of the fastest way to compare prices instantly.

Best Volkswagen Jetta insurance price quotes in California

The following companies are ready to provide price comparisons in Sacramento, CA. If your goal is to find the best cheap car insurance in CA, we recommend you get price quotes from several of them to get the best price comparison.

Analysis of coverages

The table shown next showcases estimates of policy rates for Volkswagen Jetta models. Being aware of how auto insurance policy rates are established can help drivers make decisions when shopping around.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Information does not factor in garaging location in Sacramento which can alter coverage prices noticeably.

Policy deductible comparison

One of the most common insurance questions is how low should you set your deductibles. The premium rates below may help to illustrate the rate differences when you select higher and lower comp and collision deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.

Prices above based on 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, multi-vehicle, and homeowner. Price estimates do not factor in zip code location which can alter rates significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $32 more each month or $384 a year than quoting the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 13 months between claim filings, you would more than likely save some money by going with a higher deductible.

The diagram below shows how different deductible levels and can influence Volkswagen Jetta insurance premiums for different age groups. The price estimates are based on a married female driver, full coverage, and no discounts are applied.

Cost difference between full coverage and liability

The chart below shows the comparison of Volkswagen Jetta yearly insurance costs with and without full coverage. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are factored in.

Should you buy full coverage or liability only?

There is no definitive guideline for phasing out physical damage insurance, but there is a general convention. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Volkswagen Jetta replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after paying the physical damage deductible. If you are paying more than $200 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are a few situations where removing full coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Companies offer many discounts on Volkswagen Jetta insurance in Sacramento

Some companies don’t always publicize the complete list of policy discounts in a way that’s easy to find, so below is a list a few of the more common and also the more inconspicuous discounts that you may qualify for.

• Defensive Driver – Taking time to complete a course that instructs on driving safety could possibly earn you a 5% discount and easily recoup the cost of the course.
• Payment Method – If you pay your bill all at once rather than paying monthly you may have a lower total premium amount.
• Claim-Free Discount – Good drivers with no accidents pay much less when compared to bad drivers.
• Early Renewal Discounts – Select larger companies give a discount for signing up prior to the expiration date on your current Jetta insurance policy. You may see this discount when you get Sacramento auto insurance quotes online.
• Active Military Service – Having an actively deployed family member could be rewarded with lower auto insurance rates.
• Discounts for Cautious Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.

A little disclaimer on discounts, many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, auto insurance companies aren’t that generous. But any discount will definitely reduce the cost of coverage.

The chart below compares Volkswagen Jetta insurance premiums with and without policy discounts. The premiums assume a male driver, no claims or violations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, safe-driver, claim-free, and homeowner discounts applied.

A list of companies and their offered discounts include:

• State Farm has discounts for defensive driving training, multiple policy, Drive Safe & Save, good student, passive restraint, and Steer Clear safe driver discount.
• American Family has savings for bundled insurance, good driver, mySafetyValet, defensive driver, multi-vehicle, and good student.
• AAA offers premium reductions for good driver, pay-in-full, AAA membership discount, multi-car, multi-policy, and good student.
• GEICO offers discounts for five-year accident-free, multi-vehicle, good student, multi-policy, seat belt use, and anti-lock brakes.
• Mercury Insurance includes discounts for accident-free, professional/association, anti-theft, good student, age of vehicle, location of vehicle, and multi-car.
• Farmers Insurance may offer discounts for teen driver, pay in full, distant student, homeowner, alternative fuel, and business and professional.
• Progressive may have discounts that include good student, online signing, online quote discount, homeowner, multi-policy, and continuous coverage.

Before buying, ask each insurance company to apply every possible discount. Some of the discounts discussed earlier might not be offered in Sacramento. If you would like to view insurers that offer multiple discounts in California, click this link.

Volkswagen Jetta Insurance Rate Factors

It’s important that you understand the factors that are used to determine your premiums. If you understand what determines base rates, this empowers consumers to make smart changes that can earn you big savings. Many factors are used when premium rates are determined. Some factors are common sense such as your driving record, but other criteria are more transparent like your vehicle usage or your commute time.

Poor credit score equals high premiums – Your credit score is a big factor in your rate calculation. Drivers who have good credit 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 potentially save money when insuring your Volkswagen Jetta by taking the time to improve your credit score.

Do you need those extra coverages? – There are a lot of extra bells and whistles that sound like a good idea at the time if you don’t pay attention. Insurance for things like coverage for rental cars, accidental death, and membership fees are probably not needed. You may think they are a good idea when you first buy your policy, but your needs may have changed so remove them and pocket the money.

Save miles and save money – Driving more miles annually the more it will cost to insure it. Most companies charge rates determined by how the vehicle is used. Cars left parked in the garage receive better premium rates than cars that get driven a lot. It’s a smart idea to ensure your car insurance coverage is rated on the proper vehicle usage, because it can save money. An improperly rated Jetta may be costing you.

Car features impact car insurance rates – Choosing to buy a car with anti-theft technology or alarm system can help lower your premiums. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent your vehicle from being stolen.

Costs may be higher where you live – Residing in less populated areas of the country has it’s advantages when talking about car insurance. People in densely populated areas have to deal with much more traffic and much longer commute distances. Fewer drivers on the road means fewer accidents and also fewer theft and vandalism claims.

Volkswagen Jetta statistical loss data – Companies analyze claim trends for every vehicle in order to profitably underwrite each model. Vehicles that the statistics show to have higher number or severity of losses will be charged more to insure. The table below shows the collected loss data for Volkswagen Jetta vehicles.

For each insurance policy coverage type, the claim amount for all vehicles compiled together equals 100. Values under 100 suggest a positive loss record, while values that are 100 or greater point to more claims or larger claims.

Insurance agent or online?

A lot of people still like to have an agent’s advice and that can be a smart move Insurance agents will help you protect your assets and help file insurance claims. The best thing about price shopping on the web is that you can obtain cheap rate quotes and still buy from a local agent. And supporting local insurance agents is important particularly in Sacramento.

To make it easy to find an agent, after completing this short form, your coverage information is instantly submitted to participating agents in Sacramento who will give you quotes to get your business. It’s much easier because you don’t need to find an agent on your own since price quotes are sent straight to your inbox. If you want to get a comparison quote from one company in particular, feel free to visit that company’s website to submit a rate quote request.

The following is a short list of car insurance companies in Sacramento that may be able to provide rate quotes for Volkswagen Jetta insurance in Sacramento.

More Sacramento agents

Finding the right provider should depend on more than just the premium amount. A good agent in Sacramento will have answers to these questions.

• Will the company cover a rental car if your car is getting fixed?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• How much training do they have in personal risk management?
• Will the quote change when the policy is issued?
• Do the companies they represent have a solid financial rating?
• Is there a local claims center in Sacramento?
• Does their agency support local causes in Sacramento?

After you get good responses to your questions as well as a price you’re happy with, you may have found an insurer that can be trusted to adequately provide insurance. Just be aware that you have the power to terminate your policy for any reason so never feel that you’re stuck with a specific agent with no way out.

One last thing to lower rates

The cheapest Volkswagen Jetta insurance in Sacramento can be bought on the web and from local insurance agents, so you should compare both in order to have the best chance of saving money. Some companies don’t offer the ability to get a quote online and these smaller companies only sell coverage through local independent agencies.

In this article, we presented some good ideas how you can save on Volkswagen Jetta insurance in Sacramento. The key concept to understand is the more you quote Sacramento auto insurance, the better your comparison will be. Consumers could even find that the lowest prices come from a lesser-known regional company. These companies may often insure only within specific states and give better rates than their larger competitors like Allstate and Progressive.

More tips and info about auto insurance can be read in these articles:

• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Who Has Cheap Sacramento Car Insurance for a Toyota 4Runner? (FAQ)
• How Much is Sacramento Auto Insurance for Drivers Over Age 60? (FAQ)
• Who Has the Cheapest Auto Insurance for a Dodge Grand Caravan in Sacramento? (FAQ)
• Who Has Affordable Auto Insurance Rates for 4×4 Vehicles in Sacramento? (FAQ)
• A Tree Fell on Your Car: Now What? (Allstate)
• Avoiding Deer Collisions (Insurance Information Institute)
• Frontal Crash Tests (iihs.org)