Cheap Insurance for a Volkswagen Jetta in Orlando

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Feel like you're a prisoner to high-priced Volkswagen Jetta insurance in Orlando? Trust us when we tell you there are many people just like you.

Insurance quote for Volkswagen Jetta in OrlandoIt's well known that car insurance companies don't want you to look for a cheaper policy. Drivers who shop for lower rates will most likely move their business because there is a high probability of finding a more affordable policy. A survey found that consumers who routinely compared quotes saved approximately $3,450 over four years compared to drivers who don't make a habit of comparing rates.

If saving the most money on Volkswagen Jetta insurance is your intention, then learning a little about how to quote and compare auto insurance can make it easier to find better rates. There is such a variety of auto insurance companies to choose from, and though it is a good thing to have a selection, it can be more challenging to compare rates for Volkswagen Jetta insurance in Orlando.

You should make it a habit to compare rates before your next renewal because auto insurance prices change regularly. Just because you found the lowest rates on Volkswagen Jetta insurance in Orlando last year you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you're about to find out how to quote online to eliminate unnecessary coverages and save money on Volkswagen Jetta insurance in Orlando.

This article's intent is to help educate you on the best way to quote coverages. If you already have coverage, you will definitely be able to find better prices using the concepts you're about to learn. Shoppers just need to use the most time-saving way to compare insurance rates from many different companies.

Free Orlando Volkswagen Jetta insurance quotes

The following companies can provide comparison quotes in Orlando, FL. If you wish to find cheap auto insurance in Florida, we suggest you visit two to three different companies in order to find the cheapest rates.

Volkswagen Jetta coverage statistics

The rate information shown next highlights a range of insurance premium costs for Volkswagen Jetta models. Having a better understanding of how premiums are formulated can help guide drivers when making smart policy decisions.

Volkswagen Jetta Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $192 $386 $542 $32 $162 $1,314 $110
Jetta S 2.5 Station Wagon $192 $386 $460 $28 $138 $1,204 $100
Jetta LE 4-Dr Sedan $192 $386 $542 $32 $162 $1,314 $110
Jetta SE 4-Dr Sedan $216 $454 $542 $32 $162 $1,406 $117
Jetta SE 2.5 Station Wagon $216 $454 $460 $28 $138 $1,296 $108
Jetta 2.0T 4-Dr Sedan $216 $454 $542 $32 $162 $1,406 $117
Jetta SEL 4-Dr Sedan $216 $454 $542 $32 $162 $1,406 $117
Jetta 2.0T Station Wagon $216 $454 $460 $28 $138 $1,296 $108
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price information does not factor in specific location information which can influence price quotes significantly.

Higher deductibles save money

One frequently asked question is which deductibles should you choose. The rates shown below can help you visualize the difference in cost when you select higher and lower comp and collision deductibles. The first rate estimation uses a $100 deductible and the second price table uses a $500 deductible.

Volkswagen Jetta insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $358 $648 $418 $24 $124 $1,597 $133
Jetta S 2.5 Station Wagon $358 $648 $354 $20 $106 $1,511 $126
Jetta LE 4-Dr Sedan $358 $648 $418 $24 $124 $1,597 $133
Jetta SE 4-Dr Sedan $406 $764 $418 $24 $124 $1,761 $147
Jetta SE 2.5 Station Wagon $406 $764 $354 $20 $106 $1,675 $140
Jetta 2.0T 4-Dr Sedan $406 $764 $418 $24 $124 $1,761 $147
Jetta SEL 4-Dr Sedan $406 $764 $418 $24 $124 $1,761 $147
Jetta 2.0T Station Wagon $406 $764 $354 $20 $106 $1,675 $140
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Volkswagen Jetta insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $262 $438 $418 $24 $124 $1,266 $106
Jetta S 2.5 Station Wagon $262 $438 $354 $20 $106 $1,180 $98
Jetta LE 4-Dr Sedan $262 $438 $418 $24 $124 $1,266 $106
Jetta SE 4-Dr Sedan $296 $516 $418 $24 $124 $1,378 $115
Jetta SE 2.5 Station Wagon $296 $516 $354 $20 $106 $1,292 $108
Jetta 2.0T 4-Dr Sedan $296 $516 $418 $24 $124 $1,378 $115
Jetta SEL 4-Dr Sedan $296 $516 $418 $24 $124 $1,378 $115
Jetta 2.0T Station Wagon $296 $516 $354 $20 $106 $1,292 $108
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in specific garaging location which can alter coverage prices noticeably.

Based on these figures, using a $100 deductible will cost you roughly $30 more each month or $360 a year across all Volkswagen Jetta models than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 13 months between claims, you would come out ahead if you choose a higher deductible.

The diagram below demonstrates how choosing different deductibles and can impact Volkswagen Jetta premium costs for different ages of insureds. The data is based on a married female driver, full physical damage coverage, and no discounts are factored in.

Three main reasons to buy car insurance

Despite the potentially high cost of Volkswagen Jetta insurance, maintaining insurance is required in Florida but it also protects you in many ways.

  • Almost all states have compulsory liability insurance requirements which means the state requires specific limits of liability if you don't want to risk a ticket. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you took out a loan on your vehicle, it's guaranteed your bank will require that you have insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Volkswagen at a significantly higher premium and force you to pay the higher price.
  • Insurance protects both your assets and your Volkswagen. It will also pay for medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay attorney fees if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance greatly outweigh the cost, especially for larger claims. Despite what companies tell you, the average driver overpays as much as $800 each year so you should quote your policy with other companies at every policy renewal to ensure rates are inline.

Why You Might Pay Higher Rates in Orlando

When buying insurance it's important to understand the rating factors that help determine the level of your policy premiums. If you have a feel for what controls the rates you pay, this allows you to make educated decisions that can help you get big savings.

Shown below are some of the major factors that factor into your rates.

  • Which gender costs less? - Over the last 30 years, statistics show that men are more aggressive behind the wheel. This data doesn't prove that females are better drivers. Males and females are responsible for fender benders at about the same rate, but the males have accidents that have higher claims. Not only that, but men also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 tend to get in the most accidents and therefore pay the highest rates.

    The example below shows the comparison of Volkswagen Jetta insurance rates for male and female drivers. The prices are based on no accidents, no driving violations, comp and collision included, $100 deductibles, marital status is single, and no policy discounts are applied.

  • Policy lapses lead to higher premiums - Allowing your coverage to lapse is a fast way to trigger a rate increase. Not only will you pay more, the inability to provide proof of insurance could result in a revoked license or a big fine. You may need to provide proof of insurance in the form of an SR-22 filing with the Florida motor vehicle department.
  • Bundle policies to earn discounts - Most major companies give a discount for people who consolidate policies with them, otherwise known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. If you currently are using one company, drivers will still want to check prices from other companies to help ensure you have the lowest rates.
  • Poor driving means higher premiums - Whether or not you get tickets can have a huge impact on auto insurance premiums. Careful drivers get better prices compared to bad drivers. Getting just one chargeable violation may increase your cost substantially. Drivers who have received dangerous violations such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with their state's licensing department in order to prevent a license revocation.

    The diagram below illustrates how violations and at-fault accidents can drive up Volkswagen Jetta insurance costs for each different age group. The rates are based on a married male driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

  • Prevent theft and save - Buying a car with advanced anti-theft systems can help lower your rates. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft and help bring rates down.
  • Amount of liability protection - Your policy's liability coverage will afford coverage in the event that you are responsible for physical damage or personal injury to other. Your liability coverage provides you with a defense in court which can cost a lot. It is affordable coverage compared to insuring for physical damage coverage, so do not skimp.
  • Volkswagen Jetta historical loss data - Insurance companies use past loss statistics for each vehicle to calculate a rate that offsets possible losses. Vehicles that are shown to have higher prevalence or dollar amount of losses will have increased rates. The next table illustrates the actual insurance loss data for Volkswagen Jetta vehicles.

    For each insurance policy coverage type, the claim amount for all vehicles, as a total average, is set at 100. Percentages below 100 are indicative of better than average losses, while values that are above 100 indicate a higher chance of having a claim or tendency to have larger claims.

    Auto Insurance Loss Data for Volkswagen Jetta Models
    Specific Volkswagen 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Quote often and quote early

We covered a lot of tips how to find cheap Volkswagen Jetta insurance in Orlando. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a lesser-known regional company. Smaller companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as State Farm or Progressive.

Some insurance companies may not have online rate quotes and these smaller companies only sell coverage through independent agents. Low-cost Volkswagen Jetta insurance in Orlando is available from both online companies in addition to many Orlando insurance agents, so you should compare both to have the best chance of lowering rates.

How to find cheaper rates for Volkswagen Jetta insurance in Orlando

If you want to save the most money, the best way to get affordable Volkswagen Jetta insurance is to start doing a yearly price comparison from providers that sell auto insurance in Orlando.

First, spend a few minutes and learn about what is in your policy and the things you can control to lower rates. Many factors that cause high rates like inattentive driving and a less-than-favorable credit rating can be controlled by making minor driving habit or lifestyle changes.

Second, request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from a single company like Progressive or State Farm, while independent agencies can provide price quotes for many different companies.

Third, compare the quotes to the price on your current policy to see if you can save by switching companies. If you can save money, verify that coverage does not lapse between policies.

The key thing to remember is to try to compare the same deductibles and limits on every quote request and and to get rate quotes from as many different companies as possible. This provides a fair price comparison and the best price selection.

Additional insurance information can be found on the following sites: