Insurance for Volkswagen JettaSick and tired of not being able to afford each month for auto insurance? Your situation is no different than many other Indiana consumers.

Regrettably, nearly 70% of customers have purchased from the same company for at least the last four years, and almost half have never compared rate quotes at all. Fort Wayne drivers could save nearly $700 each year by just comparing rate quotes, but most just don't grasp the big savings they would realize if they switched to a cheaper policy. With so many options for buying cheap insurance for a Volkswagen Jetta in Fort Wayne, it's nearly impossible to locate a lower cost insurer.

Smart consumers take time to quote other rates once or twice a year since insurance prices change quite often. Even if you think you had the best deal on Volkswagen Jetta insurance in Fort Wayne a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because it's time to teach you one of the best ways to lower your annual insurance bill.

Finding affordable insurance coverage in Fort Wayne is really quite easy. If you're already insured, you will be able to buy cheaper insurance using these methods. Consumers just have to understand the proper methods to quote multiple rates online from multiple companies.

How to shop Volkswagen Jetta insurance online

The companies shown below are our best choices to provide free rate quotes in Indiana. If more than one company is shown, we recommend you visit two to three different companies to get a more complete price comparison.

Volkswagen Jetta Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $172 $288 $286 $16 $86 $848 $71
Jetta S 2.5 Station Wagon $188 $370 $230 $14 $68 $870 $73
Jetta LE 4-Dr Sedan $152 $304 $318 $18 $94 $886 $74
Jetta SE 4-Dr Sedan $192 $392 $364 $22 $110 $1,080 $90
Jetta SE 2.5 Station Wagon $146 $266 $244 $14 $72 $742 $62
Jetta 2.0T 4-Dr Sedan $130 $266 $318 $18 $94 $826 $69
Jetta SEL 4-Dr Sedan $210 $422 $318 $18 $94 $1,062 $89
Jetta 2.0T Station Wagon $210 $422 $250 $14 $76 $972 $81
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Table data does not factor in your specific Fort Wayne location which can raise or lower auto insurance rates significantly.

Higher deductibles save money

A question often asked by Fort Wayne drivers is the level to set your comp and collision deductibles. The comparison tables below lay out how much more you'll pay when you select higher and lower deductibles. The first pricing table uses a $250 deductible and the second set of prices uses a $1,000 deductible.

Volkswagen Jetta insurance prices 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 prices 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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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase auto insurance rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $22 more each month or $264 a year than opting for the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 34 months between claims, you would save more money by going with a higher deductible.

How to determine when to raise deductibles

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 raising deductibles to save money means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. That will require some available funds in the event you need to pay the deductible.

Does full coverage make sense?

The information below visualizes the comparison of Volkswagen Jetta annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Indiana. The prices are based on no claims, a clean driving record, $250 deductibles, married male driver, and no additional discounts are factored in.

When to switch to liability coverage only

There is no clear-cut formula of when to stop paying for physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let's say your Volkswagen Jetta replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after the policy deductible has been paid. If you are paying over $300 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where removing full coverage is not advised. If you haven't satisfied your loan, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not opt for liability only.

Get cheaper Volkswagen Jetta insurance in Fort Wayne with discounts

The price of auto insurance can be rather high, but you may qualify for discounts to cut the cost considerably. Some trigger automatically when you purchase, but a few must be requested specifically before being credited. If you do not double check each discount possible, you're paying more than you need to.Car insurance discounts

Remember that most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like it's possible to get free car insurance, companies wouldn't make money that way. Any amount of discount will bring down the cost of coverage.

Large car insurance companies and some of the discounts are outlined below.

Check with each insurance company which credits you are entitled to. Some of the discounts discussed earlier may not apply in Fort Wayne.

Insurance quotes from local neighborhood Fort Wayne car insurance agents

A lot of people would rather sit down with an agent and that can be a smart move Good agents are highly skilled in risk management and will help you if you have claims. A nice benefit of comparing rate quotes online is the fact that you can find cheap rate quotes but also keep your business local.

Fort Wayne insurance agentsBy using this quick form, your insurance coverage information is submitted to insurance agents in Fort Wayne who will give competitive quotes for your business. It makes it easy because there is no need to find an agent since rate quotes are delivered straight to your inbox. If you want to get a comparison quote from a specific company, don't hesitate to go to their quote page to submit a rate quote request.

Finding the right provider should depend on more than just a low price. Any agent in Fort Wayne should be willing to answer these questions.

If you're trying to find an insurance agent, there are two types of insurance agents and how they are slightly different. Insurance agents are considered either exclusive agents or independent agents. Either one can provide insurance policies, but it's a good idea to understand the difference between them since it may influence your selection of an agent.

Exclusive Insurance Agents

Agents of this type normally can only provide a single company's rates and examples are Farmers Insurance and State Farm. Exclusive agencies are unable to provide other company's prices so they really need to provide good service. Exclusive agencies receive a lot of sales training on their company's products which helps overcome the inability to quote other rates.

Below is a short list of exclusive insurance agencies in Fort Wayne that can give you comparison quotes.

5533 S Anthony Blvd - Fort Wayne, IN 46806 - (260) 447-1074 - View Map

2810 Beaver Ave - Fort Wayne, IN 46807 - (260) 744-9798 - View Map

6061 N Clinton St - Fort Wayne, IN 46825 - (260) 484-6199 - View Map

More Fort Wayne agents

Independent Agents (or Brokers)

Agents of this type are normally appointed by many insurers and that enables them to quote your coverage with a variety of different insurance companies and find the cheapest insurance rates. If your agent finds better pricing, your agent can switch companies which requires no work on your part.

If you are comparing rate quotes, you definitely need to contact several independent agencies to get the most accurate price comparison.

The following is a list of independent agents in Fort Wayne who can help you get comparison quotes.

7410 Bluffton Rd - Fort Wayne, IN 46809 - (260) 747-5373 - View Map

2855 E Dupont Rd - Fort Wayne, IN 46825 - (260) 482-7077 - View Map

4324 Flagstaff Cove - Fort Wayne, IN 46815 - (260) 702-0945 - View Map

More Fort Wayne agents

Don't assume everyone needs the same auto insurance coverage

When choosing proper insurance coverage, there isn't really a single plan that fits everyone. Everyone's situation is unique.Drive safe and save

These are some specific questions can aid in determining if you could use an agent's help.

If it's difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Insurance advertising tricks

Consumers in Indiana can't escape the ads that claim the lowest rates by State Farm, GEICO and Progressive. All the ads try to convey promises of big savings after switching your car insurance policy to them.

How does every company have lower policy pricing? This is the way they can do it.

Most companies have specific guidelines for the type of driver that is profitable for them. A good example of a preferred risk may need to be over the age of 35, carries high limits, and chooses high deductibles. A customer who fits that profile is entitled to the best price and will most likely save quite a bit of money when switching.

People who don't meet these stringent criteria will have to pay a higher premium which leads to the customer not purchasing. The trick companies use is to say "customers who switch" not "everybody who quotes" can save as much as they claim. That's the way insurance companies can confidently state the savings. This illustrates why you need to get price quotes at each policy renewal. It is impossible to predict which car insurance company will fit you best based on your risk profile.

Car insurance 101

Learning about specific coverages of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like dental work, funeral costs and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Volkswagen Jetta.

Because many people have only the minimum liability required by law (25/50/10), their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Auto collision coverage

This will pay to fix damage to your Jetta from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, crashing into a building, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to choose a higher deductible on your Jetta in order to get cheaper collision rates.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, damage from getting keyed and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Liability car insurance

This protects you from injuries or damage you cause to other people or property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/10 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $10,000 of coverage for damaged property.

Liability insurance covers things like court costs, bail bonds, attorney fees, medical expenses and repair bills for other people's vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it's cheap coverage so purchase higher limits if possible. Indiana requires drivers to carry at least 25/50/10 but drivers should carry higher limits.

Compare but don't skimp

Consumers leave their current company for a number of reasons such as denial of a claim, not issuing a premium refund, unfair underwriting practices or even high prices. It doesn't matter why you want to switch switching car insurance companies can be easier than you think.

Cheaper Volkswagen Jetta insurance in Fort Wayne is possible on the web as well as from independent agents in Fort Wayne, so you should compare both to have the best rate selection. Some insurance companies may not provide online quoting and these smaller providers prefer to sell through independent insurance agents.

We've covered a lot of techniques to find cheaper Volkswagen Jetta insurance in Fort Wayne. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may even discover the most savings is with a company that doesn't do a lot of advertising.

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