Cheapest Volkswagen Jetta Insurance in Los Angeles

How many times have you told yourself it’s time to shop around for the cheapest Volkswagen Jetta insurance in Los Angeles? No one in their right mind rejoices having to buy auto insurance, especially when they could find lower prices if they just compared rates.

It’s an obvious conclusion that car insurance companies don’t want you to look for cheaper rates. Consumers who shop around for cheaper price quotes are likely to switch to a new company because they have a good chance of finding a cheaper policy. Surprisingly, a recent survey revealed that consumers who compared prices once a year saved on average $72 a month as compared to drivers who didn’t regularly shop around.

If finding the cheapest price on Volkswagen Jetta insurance is your ultimate objective, then having an understanding of how to find companies and compare coverages can help simplify the process. Companies like Allstate, Liberty Mutual and State Farm continually hit you with advertising and it is difficult to ignore the flashy ads and take the time to shop coverage around.

Smart consumers take time to check auto insurance prices every six months because prices trend upward over time. Despite the fact that you may have had the best price on Volkswagen Jetta insurance in Los Angeles at your last renewal there may be better deals available now. Ignore everything you know about auto insurance because you’re about to find out the things you must know in order to find the best coverage while lowering your premiums.

The companies shown below are ready to provide quotes in Los Angeles, CA. If the list has multiple companies, we recommend you get prices from several of them to get the best price comparison.

Rates and detailed analysis

The rate table displayed next outlines estimates of rate quotes for Volkswagen Jetta models. Having a better understanding of how car insurance premiums are established helps drivers make decisions when choosing a new policy provider.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in specific zip code location which can lower or raise premium rates greatly.

Rate comparison for different deductibles

One common question asked by Los Angeles drivers is where to set your physical damage deductibles. The following tables outline the difference in cost when you choose different physical damage deductibles. The first set of rates uses a $250 deductible and the second set of prices uses a $1,000 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 multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Information does not factor in Los Angeles location which can modify auto insurance rates greatly.

Based on the figures above, using a $250 deductible costs about $34 more each month or $408 every year across all Volkswagen Jetta models than selecting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 22 months between claim filings, you would probably save some money if you elect the higher deductible.

Age-based car insurance rates by gender

The illustration below illustrates the difference between Volkswagen Jetta insurance costs for male and female drivers. The premiums assume no violations or accidents, comprehensive and collision coverage, $1,000 deductibles, single status, and no other discounts are factored in.

Should you buy full coverage?

The chart below illustrates the difference between Volkswagen Jetta insurance prices with liability coverage only compared to full coverage. The information is based on no claims or driving violations, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

Should you pay for full coverage?

There is no set guideline to stop buying physical damage coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let’s assume your Volkswagen Jetta claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $2,000 after paying your deductible. If you are paying in excess of $200 a year for comprehensive and collision coverage, then you might consider buying liability only.

There are some scenarios where removing full coverage is not a good idea. If you haven’t paid off your loan, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Buying the right vehicle insurance in California is an important decision

Even though Los Angeles Jetta insurance rates can get expensive, paying for insurance may not be optional for several reasons.

• The majority of states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability in order to get the vehicle licensed. In California 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 your vehicle has a loan, most lenders will require that you have insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank will be required to insure your Volkswagen at a more expensive rate and require you to fork over the higher premium.
• Insurance protects both your Volkswagen Jetta and your assets. It will also cover hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance also pays expenses related to your legal defense if you are sued as the result of your driving. If you have damage to your Volkswagen as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of insuring your car are without a doubt worth the cost, particularly when you have a large claim. Unknowingly, the average driver overpays as much as $855 a year so it’s recommended you shop around each time the policy renews to help ensure money is not being wasted.

Earn discounts to get lower-cost Los Angeles auto insurance rates

Not too many consumers would say auto insurance is affordable, but there are discounts available that can help lower your rates. Many of these discounts will be applied automatically at the time of quoting, but some need to be requested specifically before they will apply. If you check and find you aren’t receiving every discount available, you are not getting the best rate possible.

• Paper-free Discount – A few larger online companies may give you up to $50 for buying your policy on their website.
• Defensive Driver Discounts – Taking part in a driver safety class could earn you a small percentage discount if your company offers it.
• Save with More Vehicles Insured – Buying a policy with multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
• 55 and Retired – Drivers over the age of 55 may receive a small discount on rates.
• Life Insurance – Select auto insurance companies reward you with a break if you buy some life insurance too.
• Discount for Passive Restraints – Factory options such as air bags or automatic seat belts may earn rate discounts of 20% or more.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle up can save a little off the medical payments premium.

Policy discounts save money, but most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. Even though it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

The diagram below compares Volkswagen Jetta auto insurance costs with and without discounts applied. The rates are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, safe-driver, claim-free, and marriage discounts applied.

If you would like to see a list of insurance companies that offer many of these discounts in Los Angeles, click here.

Independent and exclusive auto insurance agents

A small number of people would rather talk to a local agent and there is nothing wrong with that. Insurance agents are highly skilled in risk management and help file insurance claims. A good thing about comparing insurance prices online is the fact that drivers can get lower rates and still choose a local agent. Buying from and supporting local insurance agencies is especially important in Los Angeles.

To help locate an agent, after submitting this simple form, your information is emailed to participating agents in Los Angeles that provide free Los Angeles auto insurance quotes for your insurance coverage. It makes it easy because there is no need to find an agent on your own since price quotes are sent directly to your email. If you want to compare rates from a particular provider, you can always visit that company’s website and give them your coverage information.

Deciding on an company is decision based upon more than just the bottom line cost. Here are some questions you might want to ask.

• Will the agent or a CSR service your policy?
• Is the coverage adequate for your vehicle?
• Who are their largest clients?
• In the event of vehicle damage, can you pick the collision repair facility?
• Is assistance available after office hours?
• Do they have any clout with companies to ensure a fair claim settlement?
• How long have they worked with personal auto insurance coverage?

Coverages available on your policy

Understanding the coverages of a car insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by car insurance companies.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Jetta.

Since a lot of drivers have only the minimum liability required by law (15/30/5 in California), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Coverage for collisions

This coverage will pay to fix damage to your Jetta from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as damaging your car on a curb, scraping a guard rail, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible on your Jetta to save money on collision insurance.

Liability auto insurance

This coverage will cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 15/30/5 which means a $15,000 limit per person for injuries, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims like repair costs for stationary objects, legal defense fees, loss of income, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford. California state law requires minimum liability limits of 15/30/5 but drivers should carry more liability than the minimum.

The illustration below demonstrates why low liability limits may not provide you with enough coverage.

Comprehensive car insurance

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, fire damage, damage from a tornado or hurricane and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills for X-ray expenses, chiropractic care and doctor visits. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Be persistent to save money

We just covered some good ideas how you can save on Volkswagen Jetta insurance in Los Angeles. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even discover the lowest rates are with a smaller regional carrier. These companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as Progressive and GEICO.

Lower-priced auto insurance in Los Angeles can be bought from both online companies as well as from insurance agents, so you should compare both to have the best rate selection. Some insurance companies may not provide rates over the internet and usually these small insurance companies prefer to sell through independent agencies.

For more information, feel free to visit these articles:

• Medical Payments Coverage (Liberty Mutual)
• What is the Cheapest Car Insurance in Los Angeles, CA? (FAQ)
• Who Has the Cheapest Los Angeles Auto Insurance for Uninsured Drivers? (FAQ)
• Who Has the Cheapest Los Angeles Auto Insurance for Handicapped Drivers? (FAQ)
• How Much is Los Angeles Auto Insurance for Drivers with Good Credit? (FAQ)
• Auto Insurance Learning Center (State Farm)
• Auto Crash Statistics (Insurance Information Institute)
• How Much Auto Coverage do I Need? (Insurance Information Institute)