Discount Volkswagen Jetta insurancePricey Volkswagen Jetta insurance in Indianapolis can stress out your savings account and force you to make sacrifices.

Statistics show that most insurance policyholders have remained with the same insurance company for over three years, and virtually 40% of consumers have never taken the time to shop around. The average driver in Indianapolis could save themselves almost 55% a year, but they just assume it takes a lot of time to shop their coverage around. Numerous insurance companies battle for your insurance dollar, and it can be difficult to compare rates to get the lowest rate possible on Volkswagen Jetta insurance in Indianapolis.

Consumers should take time to do price comparisons quite often because prices are adjusted regularly by insurance companies. Just because you had the best quotes on Volkswagen Jetta insurance in Indianapolis on your last policy there is a good chance you can find better rates now. You can find a lot of information about Jetta insurance on the web, but we're going to give you a lot of great tips on how to find affordable insurance in Indianapolis.

Companies offering Volkswagen Jetta insurance in Indianapolis

The companies in the list below provide price comparisons in Indiana. If multiple companies are listed, we suggest you compare several of them to get a more complete price comparison.

Volkswagen Jetta Insurance Rates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $210 $358 $286 $16 $86 $956 $80
Jetta S 2.5 Station Wagon $210 $358 $244 $14 $72 $898 $75
Jetta LE 4-Dr Sedan $212 $420 $340 $20 $102 $1,094 $91
Jetta SE 4-Dr Sedan $172 $340 $318 $18 $94 $942 $79
Jetta SE 2.5 Station Wagon $226 $348 $312 $18 $94 $998 $83
Jetta 2.0T 4-Dr Sedan $116 $224 $264 $16 $80 $700 $58
Jetta SEL 4-Dr Sedan $272 $530 $380 $22 $114 $1,318 $110
Jetta 2.0T Station Wagon $222 $396 $246 $14 $74 $952 $79
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in specific Indianapolis garaging location which can impact insurance rates substantially.

Higher deductibles save money

One of the hardest decisions when shopping for car insurance is how high should the deductibles for physical damage be. The tables below may help to conceptualize the cost difference when you buy lower versus higher physical damage deductibles. The first set of rates uses a $100 physical damage deductible and the second rate table uses a $500 deductible.

Volkswagen Jetta insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $242 $436 $280 $16 $84 $1,083 $90
Jetta S 2.5 Station Wagon $242 $436 $238 $14 $72 $1,027 $86
Jetta LE 4-Dr Sedan $242 $436 $280 $16 $84 $1,083 $90
Jetta SE 4-Dr Sedan $272 $514 $280 $16 $84 $1,191 $99
Jetta SE 2.5 Station Wagon $272 $514 $238 $14 $72 $1,135 $95
Jetta 2.0T 4-Dr Sedan $272 $514 $280 $16 $84 $1,191 $99
Jetta SEL 4-Dr Sedan $272 $514 $280 $16 $84 $1,191 $99
Jetta 2.0T Station Wagon $272 $514 $238 $14 $72 $1,135 $95
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Volkswagen Jetta insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $176 $294 $280 $16 $84 $850 $71
Jetta S 2.5 Station Wagon $176 $294 $238 $14 $72 $794 $66
Jetta LE 4-Dr Sedan $176 $294 $280 $16 $84 $850 $71
Jetta SE 4-Dr Sedan $200 $348 $280 $16 $84 $928 $77
Jetta SE 2.5 Station Wagon $200 $348 $238 $14 $72 $872 $73
Jetta 2.0T 4-Dr Sedan $200 $348 $280 $16 $84 $928 $77
Jetta SEL 4-Dr Sedan $200 $348 $280 $16 $84 $928 $77
Jetta 2.0T Station Wagon $200 $348 $238 $14 $72 $872 $73
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Estimates do not factor in garaging location in Indianapolis which can alter insurance rates noticeably.

Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $21 more each month or $252 annually than choosing the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 19 months between claims, you would come out ahead by going with a higher deductible.

Discounts for cheaper car insurance quotes

Not many people think insurance is cheap, but you can get discounts to cut the cost considerably. Certain discounts will be applied at quote time, but a few must be specifically requested before you will receive the discount.Cheaper car insurance with discounts

A little note about advertised discounts, most credits do not apply to the entire policy premium. Some only apply to individual premiums such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, car insurance companies aren't that generous.

Some of the insurance companies that may offer most of these discounts may include but are not limited to:

If you need lower rates, check with every insurance company which discounts can lower your rates. A few discounts may not be available in your state. If you would like to choose from a list of providers who offer online Volkswagen Jetta insurance quotes in Indianapolis, click here.

How to Lower Your Insurance Premiums

Lots of factors are considered when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, but some are less obvious such as your marital status or your financial responsibility. Smart consumers have a good feel for some of the factors that go into determining your auto insurance rates. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with much lower annual insurance costs.

The following are a few of the things auto insurance companies consider when setting your rates.

How much liability - Your auto insurance policy's liability coverage will provide protection if ever you are found to be at fault for damages from an accident. Your policy's liability insurance provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to comp and collision, so drivers should make sure they buy enough to cover all assets.

Keep prices low by being claim-free - Auto insurance companies in Indiana give cheaper rates to policyholders who only file infrequent claims. If you file a lot of claims you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is designed for major claims that would cause financial hardship.

City traffic equals higher premiums - Having an address in areas with lower population can be a good thing when buying auto insurance. City drivers have to deal with congested traffic and higher rates of accident claims. Fewer people means less chance of accidents in addition to fewer liability claims.

The type of vehicle makes a difference - The performance of the car you own makes a substantial difference in your car insurance bill. Because the Volkswagen Jetta is a compact car, rates will be the same to a little lower as compared to the average rate in Indianapolis. Small economy passenger cars usually have the lowest rates, but your final cost has many other factors.

Infrequent drivers can save - Driving a lot of miles annually the higher your rate. A lot of companies charge to insure your cars based upon how much you drive. Cars and trucks used primarily for pleasure use qualify for better rates than those that get driven frequently. Having the wrong rating on your Jetta may be costing you. Ask your agent if your declarations sheet reflects the correct driver usage, because it can save money.

The higher your credit rating the lower your costs - Having a bad credit score will be a significant factor in determining your rates. So if your credit could use some work, you may save money insuring your Volkswagen Jetta if you clean up your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with poor credit.

Having a spouse can lower costs - Your spouse may cut your premiums on your auto insurance bill. Marriage means you're more mature and responsible and statistics prove married couples file fewer claims.

Gender and insurance coverage - Statistics demonstrate that females tend to be a little less risky than males. Now that doesn't mean females are better drivers. Males and females get in at-fault accidents in similar percentages, but the males get into accidents with more damage. Not only that, but men also get ticketed for serious violations such as DWI and reckless driving. Males from age 16 to 21 are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.

Loss statistics for a Volkswagen Jetta - Insurers use historical loss data as a tool for profitable underwriting. Vehicles that the data determines to have higher number or severity of losses will be charged more to insure.

The next table shows the historical loss data for Volkswagen Jetta vehicles. For each policy coverage, the loss probability for all vehicles compiled together is a value of 100. Numbers under 100 are indicative of better than average losses, while numbers that are greater than 100 point to more frequent losses 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

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

Get rate quotes but buy from a local neighborhood Indianapolis car insurance agent

Many drivers would prefer to have an agent's advice and that can be a smart move Good insurance agents can help you choose the best coverages and give you someone to call. One of the best bonuses of comparing auto insurance online is the fact that you can find the lowest rates and still have a local agent.

Insurance agents in IndianapolisFor easy comparison, once you complete this quick form, your insurance data is instantly submitted to participating agents in Indianapolis who will give competitive quotes for your auto insurance coverage. It's much easier because you don't need to do any legwork since rate quotes are delivered to you instantly. In the event you want to get a price quote from a particular provider, you would need to visit that company's website and submit a quote form there.

Finding the right provider shouldn't rely on just the premium amount. Agents should be asked these questions:

If you need to find a local insurance agency, it's important to understand the types of agencies and how they can write your policy. Agents in Indianapolis may be either exclusive or independent (non-exclusive). Both types of agents can provide auto insurance policies, but we need to point out how they differ because it may have an impact on your selection of an agent.

Exclusive Insurance Agencies

These type of agents can only write with one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot place coverage with different providers so they really need to provide good service. Exclusive agents are very knowledgeable on the products they sell which can be an advantage.

Shown below are exclusive agencies in Indianapolis that are able to give price quote information.

Charlotte Adams-Jones - State Farm Insurance Agent
5034 E 56th St - Indianapolis, IN 46226 - (317) 252-5933 - View Map

6120 E Thompson Rd Ste B - Indianapolis, IN 46237 - (317) 802-1550 - View Map

4475 W 71st St - Indianapolis, IN 46268 - (317) 328-0882 - View Map

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Independent Agencies or Brokers

Agents that elect to be independent often have many company appointments so they can quote policies with any number of different companies and help determine which has the cheapest rates. If your premiums go up, your agent can just switch to a different company and the insured can keep the same agent.

When searching for an agent, you should always get insurance quotes from multiple independent agents in order to compare the most rates.

Below are independent insurance agencies in Indianapolis that are able to give price quotes.

9302 N Meridian St #297 - Indianapolis, IN 46260 - (317) 844-4701 - View Map

2929 E 96th St Suite A. - Indianapolis, IN 46240 - (317) 844-3049 - View Map

4918 S Emerson Ave - Indianapolis, IN 46203 - (317) 780-2500 - View Map

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The car insurance bait and switch

Indiana consumers can't avoid all the ads that claim the cheapest premium rates by companies like State Farm, GEICO and Progressive. All the companies seem to make the promise that drivers will save a bundle if you switch your coverage.

It sounds good, but how can they all give you a lower rate on Volkswagen Jetta insurance in Indianapolis? This is the trick they use.

All companies have a preferred profile for the right customer that makes them money. For instance, this type of insured might have to be between 30 and 50, owns a home, and drives a lower-performance vehicle. A propective insured that hits that "sweet spot" will probably get the lowest prices and most likely will cut their Volkswagen Jetta insurance rates if they switch.

Insureds who do not match this ideal profile must pay higher prices and ends up with the customer not buying. The trick companies use is to say "drivers who switch" but not "everyone who gets a quote" save money. That is how insurance companies can advertise the savings. Because of this risk profiling, you really should compare free Indianapolis car insurance quotes often. It's just not possible to know which insurance companies will give you lower auto insurance rates than your current company.

How much can you save?

Lower-priced auto insurance in Indianapolis can be bought on the web in addition to local insurance agencies, and you should be comparing both to have the best rate selection. Some insurance providers may not provide online rate quotes and many times these regional insurance providers work with independent agencies.

We just covered a lot of information how to get a better price on Volkswagen Jetta insurance in Indianapolis. The key thing to remember is the more quotes you get, the better likelihood of getting affordable Volkswagen Jetta insurance quotes. You may even find the lowest priced auto insurance comes from a small local company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

When you buy Indianapolis car insurance online, never buy less coverage just to save a little money. In many instances, an accident victim reduced physical damage coverage and discovered at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

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