Are you sick and tired of wondering where the money will come from to make your auto insurance payment? You are no different than most other consumers in Arizona.
It’s easy to assume that insurance companies want to keep your business as long as possible. People who shop around for cheaper prices are highly likely to switch companies because there is a great chance of finding better rates. A recent auto insurance study revealed that consumers who regularly compared price quotes saved on average $3,500 over four years as compared to drivers who never compared other company’s rates.
If finding the cheapest rates on auto insurance is your ultimate objective, knowing how to compare car insurance can help you succeed in finding affordable rates. Due to the large number of different company options, it can be difficult for drivers to locate the best company.
You need to quote other rates yearly because auto insurance rates trend upward over time. If you had the best premium rates on Volkswagen Jetta insurance in Mesa last year you will most likely find a better price today. Block out anything you think you know about auto insurance because you’re about to learn the proper way to find better rates and still maintain coverage.
The goal of this article is to teach you a little about how car insurance quotes work and some tips to save money. If you are already insured, you will surely be able to get lower rates using this strategy. Comparison shoppers just need to learn the tricks to get comparison quotes on the web.
Don’t overlook these Volkswagen Jetta insurance discounts
Car insurance is not cheap, but you may qualify for discounts that many people don’t even know exist. A few discounts will automatically apply at the time of quoting, but a few must be specifically requested prior to receiving the credit.
- Auto/Home Discount – If you can bundle your auto and homeowners insurance with one insurance company they may give you a discount of at least 10 to 15 percent or more.
- Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy a life insurance policy as well.
- Defensive Driver – Participating in a defensive driver course could earn you a small percentage discount if you qualify.
- ABS and Traction Control Discounts – Cars that have steering control and anti-lock brakes have fewer accidents and will save you 10% or more on Jetta insurance in Mesa.
- Student Discount for Driver Training – Cut your cost by having your teen driver complete a driver education course in school or through a local driver safety program.
Policy discounts save money, but most of the big mark downs will not be given to the entire cost. The majority will only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.
The diagram below illustrates the difference between Volkswagen Jetta insurance costs with and without some available policy discounts. Data assumes a male driver, no accidents, no driving violations, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-policy, multi-car, and claim-free discounts applied.
Car insurance companies that may have many of the previously listed discounts may include but are not limited to:
When getting free Mesa car insurance quotes, it’s a good idea to every insurance company how you can save money. Some credits might not be offered everywhere. If you would like to choose from a list of auto insurance companies that offer the discounts shown above in Mesa, click here to view.
The quickest way to compare policy rates for Volkswagen Jetta insurance in Mesa is to know the trick most larger insurance companies pay for the opportunity to quote your coverage. To begin a comparison, all you need to do is give them rating details including an estimate of your credit level, how you use your vehicles, the type of vehicles you drive, and if you are currently licensed. Your information is instantly submitted to insurance companies and they provide comparison quotes very quickly.
To compare multiple company lower-cost Volkswagen Jetta insurance rates now, click here and enter your zip code.
The following companies are ready to provide free quotes in Mesa, AZ. If multiple companies are listed, it’s a good idea that you visit several of them to find the most affordable car insurance rates.
Rate information and statistics
The data table shown next covers detailed analysis of coverage costs for Volkswagen Jetta models. Knowing how prices are calculated can aid in making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $200 | $402 | $338 | $20 | $102 | $1,062 | $89 |
| Jetta S 2.5 Station Wagon | $200 | $402 | $288 | $18 | $86 | $994 | $83 |
| Jetta LE 4-Dr Sedan | $200 | $402 | $338 | $20 | $102 | $1,062 | $89 |
| Jetta SE 4-Dr Sedan | $224 | $474 | $338 | $20 | $102 | $1,158 | $97 |
| Jetta SE 2.5 Station Wagon | $224 | $474 | $288 | $18 | $86 | $1,090 | $91 |
| Jetta 2.0T 4-Dr Sedan | $224 | $474 | $338 | $20 | $102 | $1,158 | $97 |
| Jetta SEL 4-Dr Sedan | $224 | $474 | $338 | $20 | $102 | $1,158 | $97 |
| Jetta 2.0T Station Wagon | $224 | $474 | $288 | $18 | $86 | $1,090 | $91 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in Mesa location which can affect rates greatly.
Rate comparison for different deductibles
When comparing auto insurance rates, the most common question is which deductibles should you choose. The comparison tables below approximate the premium difference of buying low and high deductibles. The first set of rates uses a $100 deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Jetta S 2.5 Station Wagon | $258 | $466 | $254 | $16 | $76 | $1,095 | $91 |
| Jetta LE 4-Dr Sedan | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Jetta SE 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Jetta SE 2.5 Station Wagon | $292 | $548 | $254 | $16 | $76 | $1,211 | $101 |
| Jetta 2.0T 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Jetta SEL 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Jetta 2.0T Station Wagon | $292 | $548 | $254 | $16 | $76 | $1,211 | $101 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Jetta S 2.5 Station Wagon | $188 | $314 | $254 | $16 | $76 | $848 | $71 |
| Jetta LE 4-Dr Sedan | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Jetta SE 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Jetta SE 2.5 Station Wagon | $212 | $370 | $254 | $16 | $76 | $928 | $77 |
| Jetta 2.0T 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Jetta SEL 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Jetta 2.0T Station Wagon | $212 | $370 | $254 | $16 | $76 | $928 | $77 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Prices do not factor in specific garaging location which can increase or decrease auto insurance rates noticeably.
Based on these figures, using a $100 deductible will cost in the ballpark of $22 more each month or $264 a year across all Volkswagen Jetta models than quoting the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have more than 18 months between claim filings, you would probably come out ahead going with the higher deductible. The table below illustrates a better example of how this decision is made.
| Average monthly premium for $100 deductibles: | $100 |
| Average monthly premium for $500 deductibles (subtract): | – $78 |
| Monthly savings from raising deductible: | $22 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $22 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
One important issue to know is that a higher deductible means you will have to pay more of your own money when you have to file a claim. You will want to have enough extra money in the event you have to pay the higher deductible.
Full coverage versus liability-only
The example below illustrates the difference between Volkswagen Jetta insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The premiums assume a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
When to stop buying physical damage coverage
There isn’t a written rule of when to stop paying for physical damage insurance, but there is a general school of thought. If the annual cost of coverage is more than around 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s pretend your Volkswagen Jetta replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after the policy deductible has been paid. If you are paying in excess of $700 a year for physical damage coverage, then you may need to consider dropping full coverage.
There are some conditions where only buying liability is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not opt for liability only.
Everyone needs different auto insurance coverages
When selecting insurance from an agent or online for your vehicles, there really is not a “perfect” insurance plan. Your needs are unique to you.
For example, these questions can aid in determining if you may require specific advice.
- What is the difference between comprehensive and collision coverage?
- Do I have ACV or replacement cost coverage?
- Am I covered if I wreck a rental car?
- Is my camper covered for physical damage?
- What are the best liability limits?
- Do I need rental car coverage?
- Does my policy pay for OEM or aftermarket parts?
- Can I drive in Mexico and have coverage?
- Can I use my car for my catering business?
- Why are teen drivers so expensive to add on to my policy?
If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and may give you better protection.
Independent versus exclusive insurance agencies
Many drivers would rather go talk to an agent and that is a smart decision Licensed agents can help you choose the best coverages and help submit paperwork. One of the benefits of price shopping on the web is the fact that drivers can get cheap auto insurance quotes and still buy from a local agent. Buying insurance from local agents is important especially in Mesa.
To help locate an agent, after submitting this quick form, your coverage information is transmitted to participating agents in Mesa that can provide free Mesa car insurance quotes for your auto insurance coverage. It’s much easier because you don’t need to search for an agent since price quotes are sent to you instantly. If you have a need to compare rates from a specific company, don’t hesitate to go to their quote page and fill out their quote form.
The following is a list of auto insurance companies in Mesa that may be willing to give price quote information for Volkswagen Jetta insurance in Mesa.
Gilbert Insurance Group
350 N Gilbert Rd #202 – Gilbert, AZ 85234 – (480) 926-9030 – View Map
Jenn Attar – State Farm Insurance Agent
1660 S Alma School Rd #218 – Mesa, AZ 85210 – (480) 345-4206 – View Map
ABI Insurance LLC
7165 E University Dr #170 – Mesa, AZ 85207 – (480) 921-3400 – View Map
Jon Eisenbraun – State Farm Insurance Agent
1837 W Guadalupe Rd #114 – Mesa, AZ 85202 – (480) 833-0724 – View Map
Picking the best insurer needs to be determined by more than just the quoted price. Here are some questions you might want to ask.
- When do they do policy reviews?
- Is the agent and/or agency licensed to do business in Arizona?
- Will a damage claim use OEM or aftermarket replacement parts?
- Is the agent CPCU or CIC certified?
- Does the agency provide any after hours assistance?
Shop around and save
In this article, we presented a lot of techniques to lower your Volkswagen Jetta insurance rates in Mesa. It’s most important to understand that the more you quote Mesa car insurance, the more likely it is that you will get a better rate. Drivers may even discover the biggest savings come from some of the lesser-known companies.
Cheap Volkswagen Jetta insurance in Mesa is available on the web in addition to many Mesa insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some car insurance companies don’t offer rate quotes online and most of the time these small insurance companies work with local independent agencies.
As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced liability coverage limits only to find out that they should have had better coverage. The goal is to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.
Steps to finding more affordable Volkswagen Jetta insurance in Mesa
It takes a little time, but the best way to get the cheapest auto insurance rates in Mesa is to start comparing prices regularly from providers who sell insurance in Arizona. Prices can be compared by completing these steps.
Step 1: Take a few minutes and learn about how your policy works and the factors you can control to prevent expensive coverage. Many things that increase rates such as careless driving and a less-than-favorable credit rating can be eliminated by being financially responsible and driving safely.
Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from one company like GEICO or Allstate, while agents who are independent can provide rate quotes for a wide range of companies. Click to view companies
Step 3: Compare the quotes to the price on your current policy to see if you can save by switching companies. If you can save money and decide to switch, make sure coverage does not lapse between policies.
One bit of advice is that you use the same physical damage deductibles and liability limits on every price quote and and to look at every insurance company. Doing this helps ensure an apples-to-apples comparison and maximum price selection.
More resources
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Drivers Over Age 60 in Mesa? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Drivers with Good Credit in Mesa? (FAQ)
- What Car Insurance is Cheapest for a Jeep Grand Cherokee in Mesa? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Keeping Children Safe in Crashes Video (iihs.org)
- Top Signs Your Brakes are Giving Out (State Farm)