Best Quotes for Volkswagen Jetta Insurance in Jersey City

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Volkswagen Jetta insurance
Volkswagen Jetta insurance image courtesy of QuoteInspector.com

Inconceivable but true, the vast majority of consumers renewed their policy with the same company for at least the last four years, and nearly half have never compared rate quotes at all. Consumers in America could save an average of 47% each year by just shopping around, but they underestimate the rate savings if they changed companies.

Insurance rates Volkswagen Jetta in Jersey CityThe easiest way to find affordable Volkswagen Jetta insurance in Jersey City is to start comparing prices regularly from insurers in New Jersey. Prices can be compared by following these steps.

  1. Take a few minutes and learn about the different coverages in a policy and the measures you can take to keep rates in check. Many rating criteria that are responsible for high rates like speeding tickets, accidents and a lousy credit rating can be rectified by making minor changes in your lifestyle.
  2. Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive or Allstate, while independent agents can provide price quotes from multiple companies.
  3. Compare the new rate quotes to your existing policy to determine if you can save on Jetta insurance in Jersey City. If you find a better price and switch companies, ensure there is no coverage lapse between policies.

One bit of advice is that you use the same coverage limits and deductibles on every price quote and and to get price quotes from as many carriers as you can. This enables an accurate price comparison and the best price quote selection.

Buying more affordable auto insurance coverage in Jersey City is not as confusing as people think. If you're already insured or are looking for a new policy, use these techniques to get lower rates and still get good coverage. Smart buyers just need to know the fastest way to shop over the internet.

The providers in the list below offer free quotes in New Jersey. In order to find the cheapest car insurance in New Jersey, we recommend you get rate quotes from several of them in order to find the lowest rates.

Analysis of coverages

The coverage information below outlines a range of insurance rates for Volkswagen Jetta models. Understanding how insurance premiums are calculated helps drivers make smart choices when purchasing an auto insurance policy.

Volkswagen Jetta Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $402 $732 $490 $30 $146 $1,800 $150
Jetta S 2.5 Station Wagon $402 $732 $416 $24 $124 $1,698 $142
Jetta LE 4-Dr Sedan $402 $732 $490 $30 $146 $1,800 $150
Jetta SE 4-Dr Sedan $452 $862 $490 $30 $146 $1,980 $165
Jetta SE 2.5 Station Wagon $452 $862 $416 $24 $124 $1,878 $157
Jetta 2.0T 4-Dr Sedan $452 $862 $490 $30 $146 $1,980 $165
Jetta SEL 4-Dr Sedan $452 $862 $490 $30 $146 $1,980 $165
Jetta 2.0T Station Wagon $452 $862 $416 $24 $124 $1,878 $157
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Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rates do not factor in specific garaging location which can increase or decrease premiums substantially.

Higher deductibles lower rates

One frequently asked question is how high should the physical damage deductibles be. The following tables show the rate difference between high and low physical damage deductibles. The first set of rates uses a $250 deductible for physical damage and the second rate table uses a $1,000 deductible.

Volkswagen Jetta insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $372 $626 $480 $28 $144 $1,675 $140
Jetta S 2.5 Station Wagon $372 $626 $408 $24 $122 $1,577 $131
Jetta LE 4-Dr Sedan $372 $626 $480 $28 $144 $1,675 $140
Jetta SE 4-Dr Sedan $420 $738 $480 $28 $144 $1,835 $153
Jetta SE 2.5 Station Wagon $420 $738 $408 $24 $122 $1,737 $145
Jetta 2.0T 4-Dr Sedan $420 $738 $480 $28 $144 $1,835 $153
Jetta SEL 4-Dr Sedan $420 $738 $480 $28 $144 $1,835 $153
Jetta 2.0T Station Wagon $420 $738 $408 $24 $122 $1,737 $145
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Volkswagen Jetta insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $230 $394 $480 $28 $144 $1,276 $106
Jetta S 2.5 Station Wagon $230 $394 $408 $24 $122 $1,178 $98
Jetta LE 4-Dr Sedan $230 $394 $480 $28 $144 $1,276 $106
Jetta SE 4-Dr Sedan $258 $464 $480 $28 $144 $1,374 $115
Jetta SE 2.5 Station Wagon $258 $464 $408 $24 $122 $1,276 $106
Jetta 2.0T 4-Dr Sedan $258 $464 $480 $28 $144 $1,374 $115
Jetta SEL 4-Dr Sedan $258 $464 $480 $28 $144 $1,374 $115
Jetta 2.0T Station Wagon $258 $464 $408 $24 $122 $1,276 $106
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in specific garaging location which can decrease or increase premiums noticeably.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $37 more each month or $444 a year averaged for all Jetta models than selecting the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 20 months between claim filings, you would probably save some money if you choose the higher deductible. The table below illustrates how you can perform this determination yourself.

Average monthly premium for $250 deductibles: $145
Average monthly premium for $1,000 deductibles (subtract): - $108
Monthly savings from raising deductible: $37
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $37
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

An important sidenote is that a higher deductible results in having to pay to pay more out-of-pocket at claim time. You need to have access to more funds in the event you have to pay more for the deductible.

The diagram below shows how choosing a deductible and can impact Volkswagen Jetta insurance costs for different age groups. The premium estimates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

Reckless driving habits raise insurance rates

The information below illustrates how speeding tickets and at-fault claims can impact Volkswagen Jetta insurance premiums for different age groups. The data assumes a married male driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

Full coverage rates compared to liability-only

The illustration below compares Volkswagen Jetta insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in New Jersey. The rates are based on a clean driving record, no claims, $100 deductibles, drivers are not married, and no other discounts are factored in.

Should you pay for full coverage or liability only?

There is no clear-cut rule of when to stop paying for physical damage insurance, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let's assume your Volkswagen Jetta settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after the policy deductible has been paid. If premium cost is more than $400 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some situations where dropping physical damage coverage is not financially feasible. If you haven't satisfied your loan, you have to maintain 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 remove full coverage.

Don't neglect these discounts on Volkswagen Jetta insurance in Jersey City

Car insurance is neither fun to buy or cheap, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be inquired about in order for you to get them.Save money with discounts

  • Senior Citizen Discount - If you qualify as a senior citizen, you may qualify for a slight reduction on a Jersey City auto insurance quote.
  • Multiple Vehicles - Buying insurance for multiple vehicles on the same car insurance policy qualifies for this discount.
  • Claim Free - Drivers with accident-free driving histories pay much less as compared to drivers with a long claim history.
  • Drivers Ed for Students - Teen drivers should successfully complete driver's ed class in high school.
  • Telematics Data Discounts - Drivers that enable companies to analyze driving patterns by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction as long as the data is positive.

One last thing about discounts, most discounts do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like it's possible to get free car insurance, car insurance companies aren't that generous.

The diagram below compares Volkswagen Jetta car insurance rates with and without discounts being applied to the rates. The prices are based on a male driver, no claims or driving violations, New Jersey state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, safe-driver, homeowner, and multi-policy discounts applied.

To view companies who offer online Volkswagen Jetta insurance quotes in New Jersey, click here.

Why you need auto insurance

Despite the potentially high cost of Volkswagen Jetta insurance, buying auto insurance may be mandatory for several reasons.

  • Most states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability in order to get the vehicle licensed. In New Jersey these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you have a loan on your Jetta, it's guaranteed your bank will require that you carry insurance to guarantee loan repayment. If you let the policy lapse, the bank may insure your Volkswagen at an extremely high rate and require you to pay a much higher amount than you were paying before.
  • Insurance protects both your car and your personal assets. It also can pay for many types of medical costs for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay attorney fees in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to have it repaired.

The benefits of having auto insurance outweigh the cost, particularly when you have a large claim. Today the average American driver is currently overpaying as much as $810 a year so you should quote your policy with other companies once a year at a minimum to be sure current rates are still competitive.

Local Jersey City car insurance agents

Certain consumers just prefer to get advice from a local agent and that is a smart decision Professional agents can answer important questions and help submit paperwork. One of the best bonuses of comparing rate quotes online is that you can find cheap insurance quotes and still choose a local agent. Supporting neighborhood insurance agencies is important especially in Jersey City.

Find insurance agent in Jersey CityUpon completion of this short form, the quote information is emailed to insurance agents in Jersey City who will give you bids to get your business. There is no reason to search for an agent due to the fact that quote results will go immediately to your email address. If you want to compare prices from a specific insurance company, just jump over to their website and submit a quote form there.

If you want to buy insurance from a good Jersey City insurance agent, it's helpful to know the different types of agents that differ in how they can insure your vehicles. Insurance agents in Jersey City can be classified as either independent agents or exclusive agents depending on their employer. Both types can sell affordable insurance policies, but it is important to understand how they are different because it can impact which agent you choose.

Independent Agencies or Brokers

Agents in the independent channel are appointed with more than one company and that gives them the ability to insure with many different companies and potentially find a lower price. If they find a lower price, they simply move the coverage in-house which is easy for the insured. If you are comparing insurance prices, you will want to contact several independent insurance agents in order to compare the most rates. Many write coverage with smaller companies which may provide better rates.

Featured below is a short list of independent agents in Jersey City that may be able to give free insurance quotes.

  • Exodus Insurance Services
    758 Ocean Ave - Jersey City, NJ 07304 - (201) 433-1015 - View Map
  • Dieugrand Insurance
    582 West Side Ave - Jersey City, NJ 07304 - (201) 209-1306 - View Map

  • 775 Newark Ave - Jersey City, NJ 07306 - (201) 217-1780 - View Map

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Exclusive Agents

Exclusive agencies can only place business with one company such as Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. Exclusive agents are usually quite knowledgeable on what they offer and that enables them to sell even at higher rates. Consumers often choose to use an exclusive agent mostly because of the prominence of the brand and the convenience of having all coverages with one company.

Listed below are Jersey City exclusive agencies willing to provide price quotes.

More insurance agents

Selecting an car insurance agent is decision based upon more than just the bottom line cost. Agents should be asked these questions:

  • Will the agent or a CSR service your policy?
  • Will your rates increase after a single accident?
  • Are they properly licensed to sell insurance in New Jersey?
  • If you raise deductibles, how much can you save?
  • Is the agent CPCU or CIC certified?
  • Will they make sure you get an adequate claim settlement?
  • How long has their agency been open in Jersey City?

After receiving positive feedback as well as an affordable premium quote, it's possible that you found an auto insurance agent that is a good match to adequately provide insurance. Just remember you can always cancel your policy at any point so don't feel that you are obligated to a policy with no way to switch.