Insurance for Volkswagen JettaI doubt anyone likes having to buy car insurance, especially when they know their premiums are through the roof.

A recent study showed that the vast majority of Indiana car insurance customers kept their coverage with the same car insurance company for well over three years, and nearly the majority have never shopped around. U.S. drivers could save up to $860 a year just by getting comparison quotes, but they just don't want to compare rate quotes online. Big-name insurance companies like GEICO, Farmers Insurance and State Farm promote their brand names with TV and radio ads and it can be hard to ignore the promise of big savings and find the best price available.

Learn How to Lower Your Insurance Rates

Many different elements are used when quoting car insurance. Some of the criteria are obvious like your driving record, although some other factors are more obscure like your continuous coverage or how financially stable you are. The best way to find cheaper auto insurance is to take a look at the different types of things that help determine your policy premiums. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that could result in much lower annual insurance costs.

The following are some of the major factors utilized by car insurance companies to help set your prices.

Getting a cheaper price on insurance is actually easier than you may think. Just invest a little time to compare rates from some recommended companies.

It's so simple to compare insurance rates online takes the place of having to go to insurance agencies in your area. Shopping for insurance online has made agencies unnecessary unless you require the professional assistance that only a licensed agent can provide. If you prefer, some companies allow you to price shop your coverage online but buy from a local insurance agent.

The companies shown below are ready to provide price quotes in Evansville, IN. If multiple companies are listed, we recommend you click on several of them to find the most competitive car insurance rates.

Volkswagen Jetta Insurance Rates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $130 $226 $286 $16 $86 $744 $62
Jetta S 2.5 Station Wagon $136 $244 $224 $14 $68 $686 $57
Jetta LE 4-Dr Sedan $136 $244 $264 $16 $80 $740 $62
Jetta SE 4-Dr Sedan $234 $504 $294 $18 $88 $1,138 $95
Jetta SE 2.5 Station Wagon $210 $444 $270 $16 $80 $1,020 $85
Jetta 2.0T 4-Dr Sedan $154 $288 $264 $16 $80 $802 $67
Jetta SEL 4-Dr Sedan $146 $306 $364 $22 $110 $948 $79
Jetta 2.0T Station Wagon $116 $224 $224 $14 $68 $646 $54
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in vehicle garaging location which can lower or raise insurance rates greatly.

Should you raise deductibles?

When buying car insurance, a common question is where should you set your physical damage deductibles. The comparison tables below can help illustrate how much more rates are between low and high insurance deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

Volkswagen Jetta insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $216 $366 $280 $16 $84 $987 $82
Jetta S 2.5 Station Wagon $216 $366 $238 $14 $72 $931 $78
Jetta LE 4-Dr Sedan $216 $366 $280 $16 $84 $987 $82
Jetta SE 4-Dr Sedan $244 $430 $280 $16 $84 $1,079 $90
Jetta SE 2.5 Station Wagon $244 $430 $238 $14 $72 $1,023 $85
Jetta 2.0T 4-Dr Sedan $244 $430 $280 $16 $84 $1,079 $90
Jetta SEL 4-Dr Sedan $244 $430 $280 $16 $84 $1,079 $90
Jetta 2.0T Station Wagon $244 $430 $238 $14 $72 $1,023 $85
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Volkswagen Jetta insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $134 $230 $280 $16 $84 $744 $62
Jetta S 2.5 Station Wagon $134 $230 $238 $14 $72 $688 $57
Jetta LE 4-Dr Sedan $134 $230 $280 $16 $84 $744 $62
Jetta SE 4-Dr Sedan $152 $270 $280 $16 $84 $802 $67
Jetta SE 2.5 Station Wagon $152 $270 $238 $14 $72 $746 $62
Jetta 2.0T 4-Dr Sedan $152 $270 $280 $16 $84 $802 $67
Jetta SEL 4-Dr Sedan $152 $270 $280 $16 $84 $802 $67
Jetta 2.0T Station Wagon $152 $270 $238 $14 $72 $746 $62
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in your specific Evansville location which can lower or raise premium rates greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $22 more each month or $264 for a full year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 34 months between claim filings, you would save money if you choose a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $85
Average monthly premium for $1,000 deductibles (subtract): - $63
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 34 months

One thing to be aware of is that a higher deductible means you pay more out-of-pocket when you have a physical damage claim. You must have enough savings in the event you need to pay the higher deductible in order to repair your vehicle.

Careless Evansville drivers pay higher rates

The information below highlights how speeding tickets and accident claims can drive up Volkswagen Jetta annual premium costs for different age groups. The premium estimates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

Cost of full coverage in Evansville

The chart below shows the difference between Volkswagen Jetta yearly insurance costs when comparing full coverage to state minimum liability only. The rates are based on no violations or accidents, $1,000 deductibles, married female driver, and no discounts are factored in.

Should you buy full coverage or liability only?

There is no exact rule to eliminate comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let's pretend your Volkswagen Jetta replacement cost 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 you are paying over $400 a year to have full coverage, then it's probably a good time to buy liability coverage only.

There are some cases where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not buy liability only.

Auto insurance ads bend the truth

Indiana drivers get pounded daily by advertisements that claim the lowest premium rates from companies such as State Farm and Allstate. All the ads advertise the message that you'll save big just by moving to them.

It sounds good, but how can they all cost less than your current company? It's all in the words they use.

All the different companies quote their best rates for the driver that will not have excessive claims. An example of this type of insured could be between 25 and 40, carries full coverage, and drives less than 10,000 miles a year. Anyone who matches that profile will probably get cheap prices and will also save when they switch companies.

Potential customers who fall short of this ideal profile will probably have to pay a higher premium which usually ends up with the driver buying from a lower-cost company. If you listen closely, the ads state "customers who switch" not "all people who quote" can get the lowest rates when switching. That is how companies can truthfully lure you into getting a quote. Different companies use different criteria so it is so important to do a quote comparison often. It's just not possible to know which auto insurance company will have the best Volkswagen Jetta insurance in Evansville.

Three reasons to insure your Volkswagen vehicle

Even though Evansville Jetta insurance rates can get expensive, car insurance is required in Indiana but it also protects you in many ways.

First, most states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability coverage in order to license the vehicle. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your vehicle, almost every bank will make it a condition of the loan that you buy insurance to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank may insure your Volkswagen at an extremely high rate and require you to fork over the higher premium.

Third, insurance protects not only your Volkswagen Jetta but also your assets. It will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of carrying enough insurance are without a doubt worth the cost, particularly for liability claims. As of last year, the average driver in Indiana is overpaying over $855 a year so you should quote your policy with other companies at least once a year to save money.

Volkswagen Jetta insurance discounts in Evansville

Some insurance providers do not list every possible discount in a way that's easy to find, so we took the time to find a few of the more well known as well as some of the hidden discounts that you can inquire about if you buy Evansville car insurance online.Car insurance discounts

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most cut specific coverage prices like liability and collision coverage. Even though it appears you could get a free car insurance policy, insurance companies wouldn't stay in business.

If you would like to choose from a list of providers with discount rates in Indiana, click here to view.

Insurance agents can help

Some consumers just prefer to get advice from a local agent and that can be a great decision Good insurance agents are trained risk managers and help you file claims. A nice benefit of comparing rate quotes online is you can get the best rates and still choose a local agent.

Insurance agency in EvansvilleUpon completion of this simple form, your insurance data is sent to local insurance agents in Evansville that can provide free Evansville car insurance quotes for your insurance coverage. There is no reason to drive around since price quotes are sent immediately to you. If for some reason you want to quote rates from a specific company, you would need to go to their quote page and fill out the quote form the provide.

Picking the best provider should depend on more than just a cheap price. Get answers to these questions too.

When narrowing the list to find local Evansville agents, you should know the different types of agencies that you can select. Insurance agencies in Evansville may be either independent agents or exclusive agents depending on their employer. Both sell insurance policies, but it is important to understand how they differ since it could factor into buying decisions.

Exclusive Insurance Agencies

Agents of this type have only one company to place business with and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot compare rates from other companies so they are skilled at selling on more than just price. Exclusive insurance agents receive a lot of sales training on what they offer which helps them compete with independent agents.

Listed below are exclusive insurance agencies in Evansville who can help you get comparison quotes.

999 Kenmore Dr - Evansville, IN 47714 - (812) 476-2224 - View Map

2319 W Franklin St - Evansville, IN 47712 - (812) 425-4200 - View Map

1343 Tutor Ln b - Evansville, IN 47715 - (812) 437-4772 - View Map

More Evansville agents

Independent Agents (or Brokers)

Agents in the independent channel are normally appointed by many insurers so they can quote policies with a variety of different insurance companies and find you the best rates. If you are not satisfied with one company, they can switch companies in-house and you don't have to switch agencies. When comparing insurance rates, you definitely need to include rate quotes from multiple independent agents so that you have a good selection of quotes to compare.

The following are independent agents in Evansville who can help you get price quote information.

1919 W Franklin St - Evansville, IN 47712 - (812) 437-3933 - View Map

120 N Fulton Ave a - Evansville, IN 47710 - (812) 485-2800 - View Map

3200 N St Joseph Ave Ste D - Evansville, IN 47720 - (812) 425-2024 - View Map

More Evansville agents

Which policy gives me the best coverage?

When it comes to choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Your needs are unique to you and your insurance should unique, too.Insurance savings For instance, these questions may help you determine if your situation could use an agent's help.

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

What is YOUR best insurance company?

We just presented some good ideas how you can shop for Volkswagen Jetta insurance online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your prices. You may even be surprised to find that the lowest priced auto insurance comes from a small local company. Regional companies can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.

As you quote Evansville car insurance, don't be tempted to buy poor coverage just to save money. There are a lot of situations where someone dropped uninsured motorist or liability limits only to discover later that they should have had better coverage. Your strategy should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

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