Best Insurance for a Volkswagen Jetta in Columbus

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Volkswagen Jetta insurance rates
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If saving money is your primary concern, then the best way to get discount Volkswagen Jetta insurance is to compare prices annually from different companies who sell insurance in Columbus. You can shop around by following these guidelines.

Step 1: Learn about how auto insurance works and the things you can control to prevent rate increases. Many things that drive up the price such as traffic citations, accidents, and a not-so-good credit score can be remedied by making minor driving habit or lifestyle changes.

Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like Progressive or State Farm, while independent agents can quote prices from multiple companies.

Step 3: Compare the new rate quotes to your existing policy and see if you can save money. If you find a better price and change companies, make sure there is no lapse in coverage.

One thing to point out is to make sure you enter identical coverages on every price quote and and to get quotes from as many companies as possible. This enables a fair price comparison and the best price selection.

Insurance for Volkswagen JettaUnthinkable but true, the vast majority of consumers kept their coverage with the same insurance company for a minimum of four years, and almost 40% of drivers have never compared rates from other carriers. With the average premium in Ohio being $1,300, drivers could save about 55% a year, but they don't know how much they could save if they just switched companies.

Buying the cheapest insurance in Columbus is actually not that difficult if you follow our advice. In essence, each driver who requires lower cost insurance will probably find a lower price. But Ohio car owners should learn how the larger insurance companies sell online and use this information to your advantage.

Buy Columbus Volkswagen Jetta insurance online

To find the best car insurance quotes, there are several ways to obtain and compare prices from different companies. The recommended way to find competitive Volkswagen Jetta insurance rates is to get quotes online. When comparison shopping, comparing a large number of companies will increase your chances of finding more affordable rates. Not every company provides Columbus Jetta insurance quotes over the internet, so it's important to also get prices from the smaller companies as well.

The companies shown below have been selected to offer price comparisons in Ohio. If multiple companies are listed, we suggest you visit several of them to get the best price comparison.

Discounts mean cheaper rates for Volkswagen Jetta insurance in Columbus

Some insurers don't always publicize every discount in a way that's easy to find, so we break down some of the best known as well as the least known credits that may apply to you. If you do not double check each discount you qualify for, you are just wasting money.Auto insurance discounts

  • Drive Less and Save - Maintaining low annual mileage may allow you to get better prices on cars that stay parked.
  • Include Life Insurance and Save - Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase auto and life insurance together.
  • Waiver for an Accident - Not necessarily a discount, but some companies like GEICO, State Farm, and Progressive permit an accident before they charge you more for coverage if your claims history is clear for a set time period.
  • Good Students Pay Less - Getting good grades can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
  • Discount for Passive Restraints - Factory options such as air bags or automatic seat belts may get savings of up to 25% or more.
  • Theft Prevention System - Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Driver's Ed - Have your child successfully complete driver's ed class in school or through a local driver safety program.
  • Multi-policy Discount - When you have multiple policies and insure them both with the same insurance company you may save up to 20% and get you affordable Volkswagen Jetta insurance rates in Columbus.
  • Senior Discount - If you qualify as a senior citizen, you can get better auto insurance rates.

Policy discounts save money, but most credits do not apply to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like you could get a free auto insurance policy, auto insurance companies aren't that generous.

The diagram below shows the difference between Volkswagen Jetta car insurance costs with and without discounts applied to the policy rates. The price estimates are based on a female driver, no accidents, no driving violations, Ohio 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 claim-free, multi-car, multi-policy, safe-driver, homeowner, and marriage discounts applied.

A few of the larger companies and some of their more popular discounts are detailed below.

  • State Farm offers discounts including good driver, anti-theft, Drive Safe & Save, good student, and multiple policy.
  • Liberty Mutual may offer discounts for new vehicle discount, teen driver discount, preferred payment discount, exclusive group savings, new move discount, and multi-car.
  • American Family includes discounts for TimeAway discount, mySafetyValet, air bags, defensive driver, bundled insurance, accident-free, and good student.
  • Progressive has discounts for online signing, multi-vehicle, multi-policy, good student, and continuous coverage.
  • Farmers Insurance may have discounts that include electronic funds transfer, teen driver, youthful driver, multi-car, distant student, good student, and business and professional.
  • Auto-Owners Insurance offers discounts for student away at school, mature driver, multi-policy, anti-lock brakes, anti-theft, group or association, and safe driver.
  • SAFECO may include discounts for safe driver, anti-theft, anti-lock brakes, teen safe driver, teen safety rewards, multi-car, and accident prevention training.

When comparing rates, check with each company or agent which discounts you qualify for. Depending on the company, some discounts might not be offered in Columbus. To locate providers with the best discounts in Columbus, click this link.

Volkswagen Jetta insurance rates and statistics

The premium information shown below showcases different insurance rates for Volkswagen Jetta models. Having a good understanding how rates are established is important for drivers to make smart choices when comparing insurance rates.

Volkswagen Jetta Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $124 $186 $298 $18 $88 $714 $60
Jetta S 2.5 Station Wagon $124 $186 $252 $14 $76 $652 $54
Jetta LE 4-Dr Sedan $124 $186 $298 $18 $88 $714 $60
Jetta SE 4-Dr Sedan $140 $220 $298 $18 $88 $764 $64
Jetta SE 2.5 Station Wagon $140 $220 $252 $14 $76 $702 $59
Jetta 2.0T 4-Dr Sedan $140 $220 $298 $18 $88 $764 $64
Jetta SEL 4-Dr Sedan $140 $220 $298 $18 $88 $764 $64
Jetta 2.0T Station Wagon $140 $220 $252 $14 $76 $702 $59
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in specific Columbus garaging location which can increase or decrease premium rates noticeably.

Higher deductibles lower rates

A question often asked by Columbus drivers is which comprehensive and collision deductibles to buy. The following insurance rates may help you to understand how much more you'll pay when you buy lower versus higher insurance deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

Volkswagen Jetta insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $176 $296 $226 $14 $68 $805 $67
Jetta S 2.5 Station Wagon $176 $296 $192 $12 $58 $759 $63
Jetta LE 4-Dr Sedan $176 $296 $226 $14 $68 $805 $67
Jetta SE 4-Dr Sedan $198 $348 $226 $14 $68 $879 $73
Jetta SE 2.5 Station Wagon $198 $348 $192 $12 $58 $833 $69
Jetta 2.0T 4-Dr Sedan $198 $348 $226 $14 $68 $879 $73
Jetta SEL 4-Dr Sedan $198 $348 $226 $14 $68 $879 $73
Jetta 2.0T Station Wagon $198 $348 $192 $12 $58 $833 $69
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Volkswagen Jetta insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $108 $186 $226 $14 $68 $602 $50
Jetta S 2.5 Station Wagon $108 $186 $192 $12 $58 $556 $46
Jetta LE 4-Dr Sedan $108 $186 $226 $14 $68 $602 $50
Jetta SE 4-Dr Sedan $122 $220 $226 $14 $68 $650 $54
Jetta SE 2.5 Station Wagon $122 $220 $192 $12 $58 $604 $50
Jetta 2.0T 4-Dr Sedan $122 $220 $226 $14 $68 $650 $54
Jetta SEL 4-Dr Sedan $122 $220 $226 $14 $68 $650 $54
Jetta 2.0T Station Wagon $122 $220 $192 $12 $58 $604 $50
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in specific zip code location which can decrease or increase price quotes significantly.

We can estimate from the data above that using a $250 deductible costs about $18 more each month or $216 every year across all Volkswagen Jetta models than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 42 months between claims, you would come out ahead if you choose a higher deductible.

How to determine when to raise deductibles

Average monthly premium for $250 deductibles: $69
Average monthly premium for $1,000 deductibles (subtract): - $51
Monthly savings from raising deductible: $18
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 42 months

One important caveat is that raising deductibles to get cheaper rates means you will have to pay more of your own money when you have a claim. That will require enough extra money in order to pay the deductible to have repairs made.

The illustration below illustrates how choosing a deductible and can raise or lower Volkswagen Jetta insurance premiums for different age groups. The rate quotes are based on a married male driver, full coverage, and no discounts are taken into consideration.

Gender-based car insurance rates

The example below visualizes the comparison of Volkswagen Jetta car insurance rates for male and female drivers. The rates are based on no accidents, no driving violations, full physical damage coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.

Difference between liability only and full coverage rates

The diagram below illustrates the difference between Volkswagen Jetta premium costs with and without physical damage coverage. The information is based on a clean driving record, no claims, $1,000 deductibles, single status, and no other discounts are factored in.

When to drop comp and collision

There is no clear-cut formula to stop buying comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of the vehicle's replacement cost less your deductible, then it might be time to buy liability only.

For example, let's pretend your Volkswagen Jetta claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $3,000 after the policy deductible has been paid. If you are currently paying more than $300 a year for your policy with full coverage, then you might consider buying liability only.

There are some cases where dropping full coverage is not financially feasible. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

How Your Jetta Insurance Prices are Determined

One of the most helpful ways to save on insurance is to to have a grasp of the rating factors that aid in calculating the rates you pay for insurance. When you understand what influences your rates, this allows you to make good choices that could result in lower insurance prices.

The itemized list below are most of the major factors used by companies to determine rates.

Responsible credit saves on insurance - Credit score will be a significant factor in your rate calculation. Drivers with very high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit scores. If your credit history is lower than you'd like, you could pay less to insure your Volkswagen Jetta if you improve your credit rating.

Liability insurance - The liability coverage on your policy is the coverage that protects you if ever you are responsible for damages from an accident. Liability provides for a legal defense up to the limits shown on your policy. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.

Compare rates if you bundle your policies - Some companies will award a discount to customers that have more than one policy, otherwise known as a multi-policy discount. The discount can add up to anywhere from five to ten percent in most cases. If you currently are using one company, it's always a smart idea to compare other company rates to confirm you are receiving the best rates possible.There is a chance you can find a better deal even if you insure with multiple companies

Performance affects costs - The performance level of the car, truck or SUV you are buying insurance for makes a significant difference in your auto insurance rates. The cheapest rates are generally reserved for economy passenger vehicles, but other factors influence the final cost greatly.

The following chart uses these variables: single male driver age 30, full coverage with $500 deductibles, and no discounts or violations. It compares Volkswagen Jetta insurance rates compared to other models of vehicles that have different performances.

Rates can be impacted by your vocation - Did you know your insurance rates can be affected by your occupation? Occupational choices like judges, police officers, and medical professionals tend to pay higher rates than average because of intense work requirements and lots of time spent at work. On the other hand, careers like farmers, engineers and retirees have lower than average premiums.

Careless drivers pay higher prices - How you drive impacts premiums far more than you think. Having just one driving citation could increase your next policy renewal by twenty percent. Good drivers pay lower auto insurance prices as compared to careless drivers. Drivers who have severe tickets such as reckless driving or DUI may need to complete a SR-22 with their state in order to continue driving.

The illustration below demonstrates how traffic citations and at-fault fender-benders can increase Volkswagen Jetta insurance rates for different age groups. Data assumes a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

Volkswagen Jetta insurance loss statistics - Insurance companies take into consideration insurance loss statistics for every vehicle when setting premium rates. Vehicles that the data determines to have higher claim frequency or loss amount will have higher rates.

The information below illustrates the historical loss data for Volkswagen Jetta vehicles. For each coverage type, the loss probability for all vehicles averaged together is considered to be 100. Values that are below 100 suggest a better than average loss history, while numbers that are greater than 100 point to more losses or tendency to have higher losses.

Car Insurance Loss Data for Volkswagen Jetta Models
Vehicle 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

Empty fields indicate not enough data collected
Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years